Last updatedNovember 2026
Our Best Online Business Checking Accounts November 2026
Set up your business for success
Benefit from top-tier protection, simplified tax prep, and a smooth scale strategy.
Savings Accounts
Checking Accounts
Business Checking
1
Our Top Choice
Relay
Trusted by 15K+ Businesses NationwideBusiness banking built for better cash flow
- Earn up to 3.21% APY¹ with an automated savings account
- No hidden fees, no minimum balance requirements
- Open up to 20 checking accounts and 50 virtual or physical debit cards
- Supports ACH, wires, and cash + invoice creation & tracking
5
Airwallex Business Account
End-to-end global solution for invoices, subscriptions, and more
- Unlimited 2% cashback on eligible USD transactions. No tiers, monthly minimum or cap.
- Multi-currency company and employee cards in 60+ markets
- 0% international transaction fees on corporate card spend
8.9
BestMoneyscore
9
Wells Fargo Business Checking
Switch to a Wells Fargo Business Checking account and access a range of services
- Earn up to an $825 bonus when you open a new Wells Fargo Initiate Business Checking® account and complete qualifying activities¹
- $25 minimum opening deposit
- Wells Fargo Bank, N.A. Member FDIC
8.2
BestMoneyscore
223,638 users
chose an account with BestMoney this month
Editorial Reviews
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Oct 26, 2025
Our Top Choice
Most Popular On BestMoney
Relay
Trusted by 15K+ Businesses NationwideBusiness banking built for better cash flow
- Earn up to 3.21% APY¹ with an automated savings account
- No hidden fees, no minimum balance requirements
- Open up to 20 checking accounts and 50 virtual or physical debit cards
- Supports ACH, wires, and cash + invoice creation & tracking
What is a Business Checking Account?
A business checking account is a bank account tailored for handling the financial operations of companies, offering features like higher transaction limits and multi-user access. Choosing the best business checking account is crucial as it helps manage cash flows, pay bills, and keep business finances separate from personal funds. These accounts are foundational for maintaining orderly finances and facilitating efficient business transactions.
Our Top Online Business Checking Account as of Nov 5th 2026
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What to Consider When Choosing a Business Checking Account
Before you sign up for a business checking account, it’s important to think carefully about what financial services your business needs. Business checking accounts differ widely, particularly when it comes to transaction limits, fees, interest, and balance requirements.
1. Transaction Limits
Many banks place limits on both deposits and withdrawals to your business checking account. For example, you may only be allowed to deposit a certain amount of cash into your account each month for free. If you exceed this cash deposit limit, you could face hefty fees that eat into your business’s revenue.
Just as frequently, banks place limits on the number of transactions your business can make for free. For example, you may only be allowed to make a certain number of check payments, electronic transfers, debit card payments, or cash withdrawals each month. If you exceed that, expect to pay more fees.
2. Fees
Fees are one of the most important things to look at when choosing a business checking account. Banks often advertise business checking accounts as “free,” but in reality the account is only free under certain - often very restrictive - conditions.
- Monthly Account Fees
To start, check whether a bank will charge a monthly account fee. This is a fee that you’ll pay every month, no matter how often you make transactions from your account. Small monthly fees may be worthwhile if the bank eliminates other fees, but in general it’s a good idea to stick with business checking accounts that come with $0 monthly charges.
You also need to watch out for “maintenance” fees. These are often listed separately from the primary monthly fee, and they can be as high as $50 per month at some banks. If a bank you like offers an account with a maintenance fee, ask them to waive it. If they won’t, you should reconsider whether that business checking account is worth it.
- Transaction Fees
For banks that offer “free” business checking accounts, transaction fees are the most common way to make money off of your business. Typically, business checking accounts come with anywhere between 200 and 500 transactions per month. While that sounds like a lot - and it may be for some businesses - it’s easy to run over that limit towards the end of the month if your business is processing dozens of transactions per day.
Transaction fees are often a flat fee per payment over your limit. So, for example, you might be charged $0.50 for every excess debit card transaction. That’s not much if you’re placing a supply order worth thousands of dollars, but it can be as much as a 25% surcharge if you’re using your business debit card to buy a $2 cup of coffee.
3. Interest
Another important factor that differs between banks is whether they offer interest on cash inside your business checking account. With interest rates low for the foreseeable future, this might not be a huge deal.
Still, if you have a $100,000 balance in your business checking account, earning interest at even a modest 0.1% APY adds up to an extra $100 per year. Although that’s not much, it’s enough to throw a small office party for your employees.
So, be sure to check whether a bank offers interest payments to business account holders and how the interest rates compare to competitors.
4. Balance Requirements
Many banks require that you keep a minimum balance inside your business checking account. If you fall below this minimum balance, you could be subject to more fees.
On the other hand, some banks reward you rather than punish you for keeping a higher balance with them. For example, if you have more than a threshold amount of cash in your business checking account, you may qualify for higher transaction limits or higher interest rates.
This reward structure can make some business checking accounts that initially seem too expensive much more appealing.
5. Physical vs. Digital Banking
Another thing to consider when choosing a bank for your business checking account is whether it has a physical footprint or whether it’s an online-only institution. Digital banks can often offer better account terms and higher interest rates since they have less overhead than traditional banks.
On the other hand, if you need access to physical infrastructure like ATMs or want the ability to talk to someone at your bank in person, then a physical bank might be better for your business.
Whichever option you prefer, take a look to see what other services your bank offers. If your business needs a loan down the road, the bank that runs your business checking account is a good place to start. Plus, banks frequently offer better terms to existing customers.
If you choose a small local bank or an online-only checking account, just keep in mind that you might have less financial flexibility in the future.
Relay Disclaimer:
1. Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
1 For Relay Subscription Plans with an interest-bearing deposit account, the interest rate and Annual Percentage Yield on your account are accurate as of 9/17/2026 and are variable and subject to change based on the target range of the Federal Funds rate. Fees may reduce earnings:
• When you are subscribed to the Starter Plan, the interest rate on your savings accounts is 1.18% with an APY of 1.19%.
• When you are subscribed to the Grow Plan, the interest rate on your savings accounts is 1.86% with an APY of 1.87%.
• When you are subscribed to the Scale Plan, the interest rate on your savings accounts is 3.16% with an APY of 3.21%.
Lili Disclaimer:
¹ Lili is a financial technology company, not a bank. Banking services provided by Sunrise Banks N.A., Member FDIC.
² The Lili Visa® Debit Card is issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc.
³ The Annual Percentage Yield (“APY”) for the Lili Savings Account is variable and may change at any time. The disclosed APY is effective as of January 13, 2026. Must have at least $0.01 in savings to earn interest. 2.25% APY applies to balances of up to and including $500,000. 4.00% APY applies to balances over $500,000 and up to and including $1,000,000. Any portions of a balance over $1,000,000 will not earn interest or have a yield. Available to Lili plans.
Mercury Disclaimer:
*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard®.
The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard®. To receive cash back, your Mercury accounts must be open and in good standing, meaning they cannot be suspended, restricted, past due, or otherwise in default.
Mercury Treasury is offered by Mercury Advisory, LLC, an SEC-registered investment adviser. This communication does not constitute an offer to sell or the solicitation of any offer to purchase any security. Funds in Mercury Treasury are subject to investment risks, including possible loss of the principal invested, and past performance is not indicative of future results. Please see full disclosures at mercury.com/treasury Mercury Advisory is a wholly-owned subsidiary of Mercury Technologies.
Mercury Treasury is not insured by the FDIC. Funds in Mercury Treasury are not deposits or other obligations of Choice Financial Group or Column N.A., and are not guaranteed by Choice Financial Group or Column N.A.
Eligible Mercury Business users who apply for and maintain a Mercury Personal account may have their Mercury Personal subscription fee waived provided they remain a user on an active Mercury Business account in good standing. Standard Mercury Platform Subscription fees will apply if they no longer meet eligibility requirements, including but not limited to no longer being associated with an eligible Mercury Business account, or if the program is modified or terminated. Mercury may modify or discontinue this offering at any time and will provide notice as required by law. See Subscription Terms for full details.
Bluevine Disclaimer:
¹ You can earn $500 when you open a new Bluevine Business Checking account and meet eligibility requirements.
To get your $500 bonus, apply for a Bluevine Business Checking account anytime between now and January 31, 2027 using referral code BM500. After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days, maintain a minimum daily balance of $5,000 while also completing at least one of the following eligibility requirements every 30 days for 90 days:
- Deposit at least $5,000 from eligible merchant services to your Bluevine account
- Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers
- Spend at least $2,000 on eligible transactions with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
⁴ No limit on number of transactions. However, checking accounts are subject to the deposit and withdrawal amount limits as set forth in the Bluevine Business Checking Account Agreement.
2UFi Disclaimer:
¹Annual Percentage Yield (APY) is effective for accounts opened on or after August 1, 2026. Rates are variable and subject to change without notice. APY is only applicable to funds up to $10,000, funds above $10,000 are non-interest bearing. All funds are automatically swept to your Savings Account each night, where interest is earned and credited daily, and all funds — including interest — are swept back to your Spending Account each morning.
Found Disclaimer:
Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. FDIC insurance only covers the failure of an FDIC-insured depository institution.
*To qualify for the $125 bonus, a user must (1) have a balance of $5,000 in their Found account within 30 days of account creation; and (2) must maintain a minimum balance of $5,000 for 30 days. Account must be opened by 11/30/26. Offer is valid for new customers only and expires 12/31/26. It is valid only when signing up using offer code BESTMONEY. Terms Apply.
**Optional subscriptions to Found Plus for $35/month or $315/year or Found Pro for $80/month or $720/year. Discount rates may apply. There are no monthly account maintenance fees, but other fees such as transactional fees for wires, instant transfers, and ATM apply. Read Found Fee Schedule
Grasshopper Disclaimer:
1. Innovator Business Checking Annual Percentage Yield (APY) is accurate as of 11/03/2025. The minimum amount to open an account is $100.00. Rate tiers are as follows: 1.00% APY applies to balances of $0.01—$24,999.99. 1.35% APY applies to balances of $25,000-$250,000.00. 1.00 APY applies to balances of $250,000.01 and above. Rates may change after the account is opened. Fees may reduce earnings. National average interest rate for interest checking is 0.07% APY – source: www.fdic.gov.
Innovator Money Marketing Savings Annual Percentage Yield (APY) is accurate as of 10/13/2026. The minimum amount to open an account is $100.00. Rate tiers are as follows: 1.55% APY applies to balances of $0.01—$24,999.99. 3.25% APY applies to balances of $25,000 and up. Rates may change after the account is opened. Fees may reduce earnings.
2. Eligible Participants: This promotion is non-transferrable and limited to one offer per new Grasshopper Bank client. (“New Client”) You are not eligible for this offer nor a New Client if you were an owner of an authorized signer on any Grasshopper Bank account within the last twelve (12) months. New Clients must be (i) at least 18 years old; and (ii) a legal resident of the 50 United States or Washington, DC. Employees of Grasshopper Bank as well as the immediate family members (spouse, parents, siblings, and children) and/or household members of each such person are not eligible. Only one Grasshopper Bank account bonus ($300) offer per business owner or authorized signer, regardless of the number of businesses owned or operated by the client. Conditions and Promotional Period: To receive the bonus associated with this promotion, New Clients must meet the eligibility criteria outlined in the preceding section and 1) apply for and open an Innovator Business Checking Account (“Account”) using a bonus offer code between 12:00:00 AM EST on December 1st, 2025 and 11:59:59 PM EST on October 31st, 2026; 2) fund their Account with $10,000 or more of New Money* within thirty (30) days of account opening; and 3) Maintain an average daily balance of $10,000 or greater during the Maintenance Period** into that new eligible Innovator Business Checking Account.
*New Money is new funds deposited into your Innovator Business Checking Account that are not transfers from other Grasshopper Bank accounts
**The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
Notification: If a New Client meets all of the eligibility requirements and conditions of the promotion, Grasshopper Bank will deposit the bonus into their Innovator Business Checking Account by the fifteenth day of the month that follows the month in which the last requirement was met, which is defined as the end of the Maintenance Period, provided that the account is not closed or locked. Limitation of Liability: Grasshopper Bank and its respective officers, directors, employees, representatives and agents shall have no liability and shall be held harmless by participants for any damage, loss or liability to persons or property, due in whole or part, directly or indirectly, because of the acceptance, possession, use or misuse of prize or participation in this promotion. Grasshopper Bank reserves the right in its sole discretion to modify or end the promotion at any time and exclude any participant for any reason, including suspected fraud, misuse, or other misconduct. It may also terminate any Grasshopper Bank accounts you may have with us. Grasshopper Bank also reserves the right to reverse the bonus if a New Client closes their Innovator Business Checking Account within 150 days of opening it. Miscellaneous: The bonus associated with this promotion is considered interest and will be reported on IRS Form 1099-INT. You are responsible for any federal or state taxes resulting from the promotion. Please consult your tax advisor if you have questions about tax treatment.
Wells Fargo:
¹How to qualify for this offer
To be Eligible: Offer is for new business checking customers only. Limit one business checking bonus per business and one per business owner within a 24-month period. Only one business checking bonus may be paid per business, regardless of the number of owners. A business owner is not eligible to receive more than one business checking bonus during this period, including across multiple businesses. Only a Wells Fargo Initiate Business Checking®, Navigate Business Checking®, or Optimize Business Checking® account is eligible for this offer. You are not eligible for this offer if you currently own a Wells Fargo business checking account, closed one within the past 90 days, or are an employee of Wells Fargo. Non-resident aliens or foreign entities signing Form W-8 are not eligible for the offer. If Wells Fargo suspects misuse or abuse of this promotional offer, it may close the account and may rescind or not pay the bonus.
To receive the cash bonus: You must use your bonus offer code by November 10, 2026 when opening a new eligible Wells Fargo business checking account, which is subject to approval, and complete the following requirements.
- Deposit: Bring $2,500 or more in deposits to your new eligible business checking account by day 30 from account opening. The account balance as of day 30 will determine the maximum cash bonus you may earn based on the below table. You may not deposit additional funds after the first 30 days to qualify for a higher cash bonus.
Deposit amountCash bonus$2,500 - $9,999$400$10,000 - $24,999$550$25,000 or more$825 - Maintain the account balance in your account through day 60 from account opening (the “qualification period”). If your balance drops to a lower tier amount in the above table during this period, your cash bonus will be reduced or your account will no longer qualify for this bonus if it falls below the lowest tier.
- Qualifying Transactions: Complete 5 or more qualifying posted transactions within the 60-day qualification period. A qualifying transaction is a completed transaction that has been fully processed and posted to your account. Transactions generally post within 1 to 3 days, however, timing of when a transaction will post can vary from the same day to weeks later.
The following count as qualifying transactions:
- Posted transactions from purchases using your Wells Fargo business debit card
- Eligible debit card purchases are limited to: one-time or recurring payments and purchases made using PIN, signature, online, by phone, or Digital wallet².
- Wells Fargo can’t post your debit card transaction until the merchant submits the transaction to us for payment. Transactions received from a merchant after the cutoff time or on a non-business day are posted on the next business day.
- Posted payments you initiated through Wells Fargo Bill Pay
- Posted deposits using the Wells Fargo Mobile® app, ATM, Branch Teller, ACH, or Wire transfers
- Sending or receiving money with Zelle®
- Withdrawals from ATM, Branch Teller, ACH, or Wire transfers
- Transfers or payments to or from other Wells Fargo accounts
- Transfers made through the RTP® network (real-time payments) or FedNow℠ Service
- Debit Card Original Credit Transactions (OCT): a credit to your card when your debit card number is used to receive funds
Other Terms: This offer may be discontinued or changed at any time without notice and cannot be combined with any other business checking offer. Offer cannot be reproduced, purchased, sold, transferred, or traded.
Talk with a banker or see the "Business Account Fee and Information Schedule” and “Deposit Account Agreement" for complete checking account details, including the applicable monthly service fee and options to avoid it. The actions required to earn this bonus are separate from the actions available to avoid the monthly service fee.
²Digital wallets may not be available on all devices. Your mobile carrier’s message and data rates may apply.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
U.S. Bank Disclaimer:
* Promo code Q4AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $25 minimum deposit is required to open one of the referenced accounts.
To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 9/28/2026 and 1/13/2027. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.
- Business Essentials: $400 bonus with $5,000 deposits and daily balance
- Platinum Business Checking: $1,200 bonus with $25,000 deposits and daily balance
New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.
Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open, has a positive balance, and remains the same checking product type.
Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.
All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
Additional deposit products and promotions may be available. Talk with a banker for details.