Best Business Checking Accounts for 2026

Relay Disclaimers:

*Relay is a financial technology company and is not a bank. Bank services provided by Thread Bank, Member FDIC. Relay’s Visa credit card is issued by Thread Bank, Member FDIC, pursuant a license from VISA U.S.A., Inc. and may be used anywhere Visa is accepted. Terms and conditions apply to the cash back rewards program. Monthly cash back rewards will be automatically deposited into your Relay checking account within 30 days of the end of the credit card billing cycle. ATM transactions, the purchase of money orders or cash equivalents made with your Relay Visa®️ Credit Card are not eligible for cash back. Please refer to the Visa®️Signature Rewards Program Terms & Conditions for more details.

¹For Relay Subscription Plans with an interest-bearing deposit account, the interest rate and Annual Percentage Yield on your account are accurate as of 10/30/2025 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 0.91% with an APY of 0.91%.
When you are subscribed to the Grow Plan, the interest rate on your savings accounts is 1.53% with an APY of 1.55%.
When you are subscribed to the Scale Plan, the interest rate on your savings accounts is 2.65% with an APY of 2.68%.

Mercury Disclaimers:
*Mercury is a financial technology company, not a bank. Banking services provided through Choice Financial Group, Column N.A., and Evolve Bank & Trust; Members FDIC. See Mercury’s Customer Referral Agreement for full terms and conditions of offer by visiting https://mercury.com/legal/referrals.
¹The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard®. Cashback is automatically credited to your linked checking account when your monthly repayment is processed. If you make an early payment (full or partial), you’ll receive cashback proportional to the amount paid. Your Mercury accounts must be open and in good standing to receive cashback. Cashback rewards may be forfeited if your account is closed or pending closure based on a violation of any applicable terms. Mercury may modify or terminate the cashback program at any time, and any promotional offers or other changes will be communicated by email or on our website. If you have questions about your cashback, please contact Mercury at help@mercury.com.
²Mercury Treasury, offered by Mercury Advisory, LLC, an SEC-registered investment adviser, seeks to earn net returns up to 4.09% annually on your idle cash. Net return or yield provided assumes total Mercury deposits of $20M+, is accurate as of 09/29/2025, and is subject to change. 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. Some of the data contained in this message was obtained from sources believed to be accurate but has not been independently verified. 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, Column N.A., or Evolve Bank & Trust, and are not guaranteed by Choice Financial Group, Column N.A., or Evolve Bank & Trust.

Grasshopper Bank Disclaimers:

¹Innovator Business Checking Annual Percentage Yield (APY) is accurate as of 9/26/2025. 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. 1.55% 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.
¹Innovator Money Marketing Savings Annual Percentage Yield (APY) is accurate as of 9/26/2025. The minimum amount to open an account is $100.00. Rate tiers are as follows: 1.80% APY applies to balances of $0.01—$24,999.99.  3.30% APY applies to balances of $25,000 and up. Rates may change after the account is opened. Fees may reduce earnings.
²Cash Back rewards offer 1.00% cash-back on all Qualified Purchases made by eligible Innovator Business Checking account holders. To qualify for the Cash Back reward of 1.00% cash-back in an Innovator Business Checking account, account holders must meet all requirements and a transaction must be deemed as a Qualified Purchase. Clients are required to maintain an average balance of $10,000 or more within the calendar month in their Innovator Business Checking account and the account must remain open, active, and in good standing to participate in the program, meaning: No NSF (non-sufficient funds) items during the preceding twelve calendar months. Grasshopper Bank reserves the right to modify the description of “good standing” at any time.
Qualified Purchases are signature-based purchases made with a Debit Card from an Innovator Business Checking Account. To make a signature-based purchase, select “credit” rather than debit at point-of-sale kiosks. The “credit” option is most often pre-selected when making purchases online using a debit card. Online subscription payments may not be considered signature-based purchases. The payment transaction type (signature-based or other) is ultimately decided by the merchant and how the transaction is transmitted to Grasshopper Bank at the time of processing. We reserve the right to determine if a transaction was a Qualified Purchase, and to establish additional types of Qualified Purchases that could be made available in a variety of ways. Any goods or services purchased with the Debit Card issued by Grasshopper Bank that are returned or otherwise credited to the account are not qualified purchases. Unlawful purchases and purchases of currency, cash or cash equivalents (including, without limitation, currency from the U.S. Mint, Travelers Cheques, gift cards, Cryptocurrency, Casino Chips, Peer to Peer Payments, prepaid debit cards, account openings, loan payments, or other cash equivalents) made with a Debit Card issued by Grasshopper Bank are not Qualified Purchases. We may require documentation to validate that certain purchases are Qualified Purchases. If you or the Bank closes the account for any reason before the end of the statement cycle, you will forfeit all rewards accrued through your linked Debit Card during that statement cycle.
Important Tax Information
The value of this reward may constitute taxable income and may be reported to the Internal Revenue Service as miscellaneous income to the first signer on the account, in the year received, as required by applicable law. Offer is limited to clients who are citizens of the United States that furnish or have a valid Form W-9 on file and the account must not be subject to backup withholding. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of such reward. Please consult your tax adviser, as Grasshopper Bank does not provide tax advice.

Found Disclaimers:

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

Lili Disclaimers:

¹The 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 1, 2025. Must have at least $0.01 in savings to earn interest. The APY applies to balances of 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 Pro, Lili Smart, and Lili Premium account holders only; applicable monthly account fees apply.

BlueVine Disclaimers:

¹Premier and Plus plan customers automatically earn annual percentage yield ("APY") on their available balances. Standard plan customers will earn interest on their available balances if they meet an eligibility requirement as detailed in the Terms of Interest Accrual which is incorporated as a part of the Bluevine Business Checking Account Agreement. 

US Bank Disclaimers:

Offer:
- Open, and be approved for, a new U.S. Bank Payment Solutions Merchant Account (MID) by March 31, 2026.
- Process $5,000 in transactions within 60 days of approval.
- Keep the approved account in an open status and be actively accepting and settling card payments at the time the statement credit is issued.
Disclosure:
Promotional offer is available with establishment of a new payment processing account by new or existing U.S. Bank customers, not currently using Elavon as their merchant processing services provider. Offer may not be combined with any other Merchant Services promotions or incentives. Association Partners, registered Payment Facilitators, and certain other business types with specialized pricing are not eligible for this offer. To qualify you must:
• Open, and be approved for, a new U.S. Bank Payment Solutions Merchant Account (MID) by March 31, 2026.
• Account must be open and actively accepting and settling payments at the time the monthly statement credits are being calculated and applied in order to receive the rebate. Merchant account must be in good standing with no outstanding recovery balance.
Open a new U.S. Bank Payment Solutions merchant account before March 31, 2026, process at least $5,000 in net settled transactions within 60 days of approval and receive a $400 statement credit. Credit is applied within 60 days after reaching $5,000, provided your account remains open, active, and in good standing with no outstanding recovery balance. Limit one credit per Merchant ID; offer valid for U.S. merchants only. Available to new payment processing accounts for customers not currently using U.S. Bank and/or Elavon (a U.S. Bank company) for merchant processing. Cannot be combined with other promotions. Certain business types, Association Partners, Business Essentials customers and registered Payment Facilitators are ineligible. U.S. Bank may modify or end this offer at any time; additional restrictions may apply.
Deposit products are offered by U.S. Bank National Association. Member FDIC. 2026 U.S. Bank