Top Online Banking Reviews

Opening a new bank account is an important choice that has to be made carefully. Delve into each online banking review to make the best choice.

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Our Top Pick

Jan. 21, 2025

3 min read

Relay

Founded in 2021, Relay is an online banking platform for small businesses, accountants, and bookkeepers to automate their bill pay and manage their cash flow and operating expenses. It charges no fees and makes it easy to send and receive ACH transfers, checks, or wires. You can sync transaction data directly in QuickBooks or Xero, and set up role-based permissions so there’s no need to share login information between staff.

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Jun. 17, 2025

3 min read

Bluevine

When it comes to small businesses, you want a business checking account that offers flexibility along with excellent customer support and low fees. Bluevine gives its small business owners peace of mind and an array of services with its online options. Bluevine is not a bank, its banking services are provided by Coastal Community Bank, and all accounts are insured up to $3M through Coastal Community Bank, Member FDIC and their program banks.³

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Mar. 19, 2025

3 min read

Found

Launched in 2019, Found allows freelancers and the self-employed to carry out their business banking, keep track of their bookkeeping, and manage their expenses through a single platform. As well as providing you with a Mastercard debit card for business spending, the company offers tax and invoicing tools, such as automatic invoice generation and the ability to pay taxes via the app if you file a Schedule C.

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Mar. 03, 2025

3 min read

Grasshopper

Headquartered in New York City and founded in 2019, Grasshopper is a digital banking solution for small businesses, startups, and venture capital & private equity firms. Checking accounts for start-ups and SMBs can be opened in less than 10 minutes, and there is no monthly maintenance fee or minimum balance required after funding. Account holders get access to a free Visa debit card, and the accounting software Autobooks.

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Oct. 27, 2024

4 min read

Lili

Lili Banking is ideal for small businesses looking to get a better hold on their finances. Lili makes it easy to set money aside for taxes, organize expenses, and even get early access to direct deposits. The Lili Smart account offers advanced expense management tools and a unlimited invoices and payments. Lili's Standard account is completely free, and their Smart account is just $35 per month.

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May. 08, 2025

6 min read

U.S. Bank; Member FDIC

US Bank offers 5 checking accounts along with savings and investment accounts, home loans, and credit cards. If you fund a new Business Essentials or Platinum Business Checking Account with five qualifying deposits totaling $25,000 within 30 days and maintain a balance until the 60th day after account opening, US Bank will credit you $900. Manage your spending and transfer funds with the US Bank mobile app, and customer support is available 24/7.

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Feb. 19, 2025

3 min read

Mercury

Mercury is a banking* services platform that offers high-tech business checking and savings accounts for startups and growing companies. Mercury charges zero account fees and doesn’t require a minimum deposit. You can request physical debit cards or create your own virtual cards for employees. Mercury also offers an API so you can integrate your bank account with the rest of your business software.

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Feb. 24, 2025

3 min read

North One

North One offers small business checking accounts with modern features. You can integrate your checking account with accounting software, eCommerce networks, and more, plus pay bills directly from your account. North One also enables you to create an unlimited number of Envelopes to set aside money for payroll, taxes, or savings goals.

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May. 26, 2025

7 min read

American Express® Business Checking

Founded in 1850, American Express is a U.S. financial services powerhouse whose products include bank accounts, credit cards, and loans. Its business checking account primarily targets small businesses and stands out for its zero monthly maintenance fee and a 1.30% annual percentage yield (APY)† on the first $500,000 of your account balance. Members also enjoy the convenience of 24/7 live support and access to a large network of fee-free ATMs.

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