Best Business Checking Accounts of 2025

Earn up to 5.38% APY in Mercury Treasury¹

• Unlimited payments & transfers including ACH and wires
• No monthly fees or minimum opening deposit
• Insured by the FDIC up to $250,000

• Banking services provided by Choice Financial Group & Evolve Bank & Trust

1. Rate as of 04/15/2024. Terms Apply.

$0 monthly maintenance fee

• Integrations with Amazon, Stripe, Quickbooks, Xero & others
• Up to $7 per month of ATM fee refunds
• No minimum deposit
• Free transfers, mailed checks, and incoming wires
• Top rated mobile app

Earn up to 1.01% APY with Small Business Interest

• Business owners get up to $400 welcome bonus¹
• Open a Business Interest Checking account with $100
• Unlimited domestic ATM reimbursements
• Up to 50 free non-deposit transactions p/mo

1. Offer ends 06/30/2024. Use code NEW400

No account fees & no minimum balance 

• Free cash deposits, transfers, checks, & payouts from PayPal & others

• Create up to 20 checking accounts per small business or llc

• Issue up to 50 physical or virtual debit cards with spending limits

• FDIC Insured 

Best Banking App for Small Businesses

• No overdraft fees, maintenance fees, or minimum balance
• Built-in expense management and tax tools
• Customize and send invoices for free

_{Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC.}

Elevate your Savings with a Bonus Interest Rate of up to 3.50%

• Open an account with a minimum balance of $100
• Interest accrues interest daily and gets paid monthly
• Daily balance of $50,000 after your initial $50,000
• Member FDIC

Earn up to 3.55% APY and unlimited 1% cash back

• Unlimited transactions with no monthly fees
• Earn unlimited cash back on everyday debit card purchases
• Pay bills, deposit checks and manage cashflow via 24/7 online banking and app
• Member FDIC. Access to enhanced FDIC insurance up to $125M. 
• Apply in as little as 5 minutes

Earn Up To 3.55% APY with Innovator Savings

• Open in a little as 5 minutes
• Free incoming and outgoing ACH and incoming domestic wires
• Enjoy unrestricted access to your funds with unlimited fee-free transactions.
• 24/7 online and mobile banking
• FDIC-insured