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Azlo Business Checking account review

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Though it has no monthly fees or minimum balance, you can’t deposit cash.’s rating: 4.5 / 5.0


Azlo is a fee-free digital bank for entrepreneurs and small-business owners. Its Business Checking account has a $0 minimum balance, a real-time debit card blocking feature and no foreign ATM fees. But not all business types are eligible and checks aren’t included.

$0 per month





Minimum deposit to open


Fee$0 per month
Minimum deposit to open$0
ATMs55,000 Allpoint ATMs in its network
ATM transaction fee$0
Out-of-network ATM fee$0
Foreign transaction fee0%

How do I open a Azlo Business Checking account?

Sign up for an Azlo Business checking account online in minutes:

  1. Go to the provider’s site and follow the steps to apply.
  2. From the official Azlo website, click Get Started.
  3. Verify your email and enter personal information, including your name, citizenship, Social Security number, date of birth, address and phone number. Click Next.
  4. Verify your phone number and enter your business information, including your business type, ownership percentage, legal business name, date established and Tax Identification Number. Click Next.
  5. Enter your physical business address and click Next.
  6. Enter information regarding your industry and estimated revenue. Click Next.
  7. Upload a photo of your government-issued photo ID and business registration. Click Next.
  8. Verify Azlo‘s terms and policies and click Submit Application.


You must meet the following requirements to open an account with Azlo:

  • At least 18 years old
  • Business owner — sole proprietor, general partnership, LLC, corporation or nonprofit
  • At least 25% ownership in business
  • US resident with a Social Security number, US address and US phone number

Required information

Have the following information on hand when opening your Azlo Business Checking account:

  • Full name
  • Citizenship
  • Residential address
  • Date of birth
  • Taxpayer Identification Number, Social Security number or Employer Identification number
  • Government-issued ID
  • Certified copy of incorporation or government-issued business license

What are the benefits of a checking account with Azlo?

In addition to multi-user accounts and mobile banking, the Azlo Business Checking account includes:

  • No fees. There’s no minimum opening deposit and no foreign transaction, transfer, wire or monthly maintenance fees.
  • Unlimited transactions. You don’t have to worry about going over a set number of free transactions per month.
  • Digital features. Block and unblock your debit card and send digital invoices to customers directly from your account.
  • Credit card payment integrations. Azlo integrates with Square and Stripe, so you can make payments in person.

Azlo‘s ATM network and fees

Withdraw up to $1,000 per day for free at any of the 55,000 Allpoint ATMs in Azlo‘s network. The company doesn’t charge ATM fees, but account holders are subject to any out-of-network operator’s ATM fees.

What should I look out for?

Potential drawbacks of an Azlo Business Checking account include:

  • No checks. Your Azlo Business checking account doesn’t come with checks.
  • No branch locations. Azlo‘s lack of physical branches makes it impossible to deposit cash or bank in person.
  • Doesn’t support all business types. Businesses classified as a limited partnership or limited liability partnership don’t qualify for this account.

Compare with other business checking accounts

Data indicated here is updated regularly
Name Product Fee Minimum deposit to open ATMs
NorthOne Business Banking
$10 per month
More than 300,000 ATMs across America.

A digital bank account featuring free cash deposits, on-demand customer support and streamlined bookkeeping integrations.
Novo doesn't charge ATM fees and will reimburse any non-network fees you incur
A low-fee online checking account designed for small businesses and startups, but you won’t be able to deposit cash.
BlueVine Business Checking
38,000+ MoneyPass® locations nationally
A digital account that earns 1% APY, offers unlimited transactions and no monthly fees.
Chase Business Complete Banking
$15 per month
(can be waived)
over 16,000 in-network ATMs
This Chase business checking account has built-in card acceptance using a smartphone card reader. $300 bonus offer
Brex Cash account
Brex Cash is an innovative cash management account that lets business owners choose whether to save or invest funds.
Axos Bank Basic Business Checking
ATM fees reimbursed at any ATM nationwide
No monthly maintenance fees, a low minimum deposit requirement, unlimited domestic ATM fee reimbursements and $100 bonus
Radius Bank Tailored Checking
$10 per month
(can be waived)
More than 20,000 ATMs + unlimited ATM surcharge rebates
with Tailored Checking get free ATMs worldwide and unlimited penalty-free transactions.
Axos Bank Business Interest Checking
$10 per month
(can be waived)
ATM fees reimbursed at any ATM nationwide
Earn up to 0.50% APY and pay no monthly maintenance fee with an average daily balance of at least $5,000.

Compare up to 4 providers

How do I deposit or withdraw my money?


  • Azlo mobile app
  • Direct deposit
  • Transfer from another bank
  • Wire transfer
  • Endorsed check via US mail


  • ATM using your debit card
  • Wire transfer
  • Transfer to another bank
  • Cash back from merchants

What other checking options does Azlo offer?

Azlo only offers the Azlo Small Business Checking account.

Bottom line

If you’re a small-business owner looking for a fee-free business checking account, Azlo may be for you. But if you’re looking for an account that offers checks and accepts cash deposits, shop around for other options before you decide.

Frequently asked questions

Checking account ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.

Read the full methodology of how we rate checking accounts.

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