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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.

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.


Monthly fee




Monthly fee$0
ATMs55,000 Allpoint ATMs in its network
ATM transaction fee$0
Out-of-network ATM fee$0
Foreign transaction fee0%

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

Name Product APY ATMs Fee
16,000 Chase ATMs and nearly 5,000 branches
(can be waived)
If you’re new to Chase, get $200 when you open this account and complete qualifying activities. It boasts convenient features to help small and growing businesses reach their goals.
Free at more than 1,800 ATMs across the Midwest
(can be waived)
Earn a $400 bonus when you open an Unlimited Business Checking account if you live in Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania or West Virginia. Conditions apply.
Free at more than 1,800 ATMs across the Midwest
(can be waived)
Earn a $750 bonus when you open an Unlimited Plus Business Checking account if you live in Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania or West Virginia. Conditions apply.
Huntington Business Checking 100
Huntington Business Checking 100
Free at more than 1,800 ATMs across the Midwest
Earn a $200 bonus when you open a Huntington Business Checking 100 account if you live in Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania or West Virginia. Conditions apply.
0.61% on balances of $100,000 to $10,000,000
0.51% on balances of $50,000 to $99,999.99
0.41% on balances of $25,000 to $49,999.99
Over 80,000 fee-free ATMs
Account will boost your money’s productivity with a high yield, no monthly maintenance fee and the essential banking services your business needs.
0.80% on balances of $0 to $4,999,999.99
ATM fees reimbursed at any ATM nationwide
(can be waived)
Earn up to 0.80% 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 open a Business Checking account?

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

  1. Go to the official Azlo website. Click Get Started.
  2. Verify your email and enter personal information, including your name, citizenship, Social Security number, date of birth, address and phone number. Click Next.
  3. 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.
  4. Enter your physical business address and click Next.
  5. Enter information regarding your industry and estimated revenue. Click Next.
  6. Upload a photo of your government-issued photo ID and business registration. Click Next.
  7. 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

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

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