Home / Business banking / United States
Business banking
We compare monthly fees, transfer costs, interest, multi-currency features and how your money is protected, across challenger banks, fintech accounts and the big banks.
8 accounts in United States
Fintech account · Startups
Banking built for startups
A $0 base plan with free domestic wires and the Mercury IO card paying 1.5% cashback.
Base plan
$0
Monthly
Domestic wires
$0
On the free plan
Card cashback
1.5%
Mercury IO card
Fintech account · High yield
Earn interest on your operating cash
Free Standard plan with 1.3% APY (with activity), or 3.0% APY on Premier, plus FDIC coverage up to $3M and a line of credit.
APY
Up to 3.0%
On Premier ($95 a month)
Standard plan
$0
1.3% APY with activity
FDIC coverage
Up to $3M
Through partner banks
Fintech account · Cash management
Separate accounts for every purpose
Up to 20 checking accounts for budgeting, a free Starter plan, savings interest tiered by plan and FDIC coverage up to $3M.
Starter plan
$0
Grow plan $30 a month
Checking accounts
Up to 20
For budgeting
Savings APY
1.11%–3.00%
By plan
Fintech account · Free checking
Free checking with built-in invoicing
No monthly fee, no minimum balance and no transaction fees, with invoicing and ecommerce integrations built in.
Monthly fee
$0
No minimum balance
Transaction fees
$0
Unlimited
ATM refunds
Up to $7
A month
Licensed bank · Big bank
A big bank with branches nationwide
A traditional business checking account with nationwide branch access; the $15 monthly fee can be waived.
Monthly fee
$15
Can be waived
Branches
Nationwide
In-person service
Bank
Chase
Licensed US bank
Fintech account · For the self-employed
Banking, taxes and invoicing in one place
A free business checking account built for freelancers and the self-employed, with tax set-asides, bookkeeping and invoicing included. Paid plans add more features.
Monthly fee
$0
Standard plan
Built in
Taxes and invoicing
Plus bookkeeping
Paid plans
Plus and Pro
More features
Licensed bank · Online
A real bank, with no monthly fee
Axos is an online bank offering free business checking with no monthly fee, free cash deposits at compatible ATMs and automatic refunds of domestic ATM fees.
Monthly fee
$0
Basic Business Checking
ATM fees
Refunded
Domestic
Cash deposits
Free
At compatible ATMs
Licensed bank · Online
A small-business bank with strong savings
Live Oak is an online bank focused on small businesses, with business checking, high-yield business savings and CDs. The Essential checking fee is waived with a $1,000 average daily balance.
Monthly fee
$10
Waived at $1,000 average balance
Savings
High-yield
Separate business savings
Other plans
$25 and $100
More features
Who holds your money affects fees, features and how your deposits are protected.
Branches, cash services and lending under one roof, usually with higher monthly fees and FX costs.
Fully licensed banks that operate online, often with free plans and modern apps, and protected deposits.
Accounts that hold your money through partner banks or as e-money, often with multi-currency features and lower FX costs.
Every rating comes from the provider’s published terms, checked against official sources and dated. Partners and non-partners are rated the same way.
