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Best business bank accounts of 2021

Compare top business checking and savings accounts by fees, APY and features.

Our pick for small online businesses: Novo

$0

Monthly fee

  • Zero Liability
  • Accepted worldwide
  • No minimum balance
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This article was reviewed by Doug Noll, a member of the Finder Editorial Review Board and award-winning lawyer, mediator and author with over 40 years of experience in the legal field.

The best business bank accounts offer little to no fees, free transactions and built-in tools to help you manage your money. Contrary to popular belief, every self-employed person needs a separate business bank account because it makes filing your taxes easier, gives you a clear view of your business’s cash flow and may even protect your personal assets if you get sued.

We reviewed 50 of the most popular business bank accounts to bring you those with the best rates, monthly fees, opening deposit requirements and other special features. For checking accounts, we also looked at free monthly transactions and ATM accessibility.

What’s changed in 2021?
We removed Azlo because it’s closing on March 31, 2021. We added Axos Bank Basic Business Checking to our list because it’s free and integrates with Quickbooks. We added Lili because it’s a good choice for freelancers who need help setting aside money for taxes. We added TAB Bank Money Market because it has a $25 initial deposit, no monthly fee and a competitive interest rate.

What are the 15 best business bank accounts?

The best business checking and savings account offer the tools to help your business succeed. Here’s a list of our top 15 picks:

AccountTypeBest for…APYMore info
Radius Bank Tailored Checking accountBusiness checking accountBest for free ATM access0.1%Go to site
Novo Business Checking accountBusiness checking accountBest for small online businesses0%Go to site
NorthOne Business BankingBusiness checking accountBest for cash deposits0%Go to site
Axos Bank Basic Business CheckingBusiness checking accountBest for small businesses0%Go to site
LiliBusiness checking accountBest for new freelancers0%Go to site
Bluevine CheckingBusiness checking accountBest for high interest rates1%Read review
TIAA Bank Small Business Checking accountBusiness checking accountBest for large businesses0.12%Read review
Wave MoneyBusiness checking accountBest for established freelancers0%Read review
NBKC Business CheckingBusiness checking accountBest for low fees0%Learn more
Axos Bank Business Savings accountBusiness savings accountBest for low fees0.2%Go to site
First Internet Bank Money Market Savings accountBusiness savings accountBest for high interest rate0.5%Learn more
Live Oak Bank Online Savings accountBusiness savings accountBest for online businesses0.6%Learn more
First Internet Bank Regular Savings accountBusiness savings accountBest for small businesses0.7%Learn more
NBKC Bank Business Money Market AccountBusiness savings accountBest for no minimum deposit0.8%Learn more
TAB Bank Money Market AccountBusiness savings accountBest for low opening deposit0.5%Learn more

A closer look at the best business bank accounts

Best business checking accounts

Business checking accounts can help you manage expenses, pay bills and budget for the future. We’ve curated a list of some of the best business checking accounts with features that could make your banking experience more convenient.

Best for free ATM access

Radius Bank Tailored Checking

Radius Bank Tailored Checking logo
Finder Rating: 3.3 / 5

★★★★★

Apply now
at Radius Bank's secure site
Up to 0.1%
APY
$10 monthly
Fees
$100
Min. opening deposit
This checking account from Radius Bank comes with unlimited ATM reimbursements, making it an excellent choice for business owners who need a lot of access to cash. It earns more interest than most traditional savings accounts, but only if you keep a minimum $5,000 daily balance.
  • 0.1% APY. You earn 0.1% on your total balance as long as you have at least $5,000 in your account.
  • Unlimited free transactions. Unlike other banks that charge you a fee when your transactions exceed a certain limit, Radius Bank lets you make unlimited transactions.
  • Supports cannabis-related businesses. Regulations make it tough for cannabis-related businesses to find banking services. But Radius Bank serves this industry.
  • Minimum balance required for interest. Your account only earns interest if your balance is at least $5,000.
  • $10 monthly fee. If your balance dips below $5,000, you pay a $10 monthly fee and you don't earn any interest.
  • $100 opening deposit. You need at least $100 to open a Radius Bank Tailored Checking account.
APY 0.1%
Account fees $10 monthly
Can the fee be waived? Yes
No monthly maintenance fee with balances of $5,000 and up
ATM transaction fee $0

Best for small online businesses

Novo

Novo logo
Finder Rating: 4 / 5

★★★★★

Apply now
at Novo's secure site
N/A
APY
None
Fees
$50
Min. opening deposit
This online business checking account is designed for small businesses and entrepreneurs that want to save on fees. It doesn't have branches so you won't be able to deposit cash, but it's available to all types of businesses and can be opened online in minutes.
  • No fees. There are no monthly fees or service charges to eat into your balance.
  • No deposit requirements. Open this account with as little as $50.
  • Integration. Connect your account to Slack, Stripe, Zapier and Xero to make managing your business easier.
  • No cash deposits. As an online bank, Novo doesn't have any ATMs or branches that accept cash deposits.
  • No payroll providers. Novo doesn't currently integrate with any payroll providers, but it's working on a solution.
  • No recurring payments. This account doesn't support recurring monthly payments, so you'll need to do them manually each month.
APY 0%
Account fees $0 monthly
Can the fee be waived? Yes
Insufficient funds fee $27
ATM transaction fee $0
Paper statement fee $0
Foreign transaction fee 0%
Overdraft fee $0
Accout closure fee $0

Best for cash deposits

NorthOne Business Banking

NorthOne Business Banking logo
Finder Rating: 3.7 / 5

★★★★★

Apply now
at NorthOne's secure site
N/A
APY
$10 monthly
Fees
$50
Min. opening deposit
NorthOne Business Banking is designed to save you time and money with its unlimited transactions, free bookkeeping integrations and on-demand support. Unlike most digital bank accounts, this one actually accepts cash deposits.
  • Create subaccounts. Stay on top of your money by creating subaccounts for everything from taxes and payroll to emergencies and rent.
  • Deposit cash. Deposit cash or checks at any compatible ATM or Green Dot location nationwide.
  • No cap on transactions. Gone are the days of paying $0.50 for extra transactions. With NorthOne, make as many deposits, transfers and payments as you'd like for free.
  • Monthly fee. You'll pay $10 with NorthOne Business Banking, and unfortunately, there's no way to waive it.
  • No ATM reimbursements. NorthOne doesn't reimburse operator fees for non-network ATMs, so you'll want to make sure you're using an in-network machine to avoid a fee.
APY 0%
Account fees $10 monthly
Can the fee be waived? No
Insufficient funds fee $0
ATM transaction fee $0
Foreign transaction fee 0%
Overdraft fee $0

Best for small businesses

Axos Bank Basic Business Checking

Axos Bank Basic Business Checking logo
Finder Rating: 4.5 / 5

★★★★★

Apply now
at Axos Bank's secure site
N/A
APY
None
Fees
$1,000
Min. opening deposit
Axos Bank Basic Business Checking gives you a free way to manage your small business finances, but you'll need at least $1,000 to open an account.
  • Sign up bonus. Receive a $100 bonus when you open a new Axos Bank Basic Business Checking account and maintain a minimum $2,500 balance for the first two months.
  • ATM reimbursements. Axos Bank offers unlimited domestic ATM fee reimbursements for all non-network fees you incur.
  • Integrates with Quickbooks. Sync up your checking account to Quickbooks for seamless budgeting and cash flow management.
  • High opening deposit. You'll need at least $1,000 to open this account, which is higher than most business checking accounts.
  • Inconvenient cash deposits. Axos has few branches and you can't deposit cash at an ATM, which means you'll need to send a wire transfer to deposit cash.
APY 0%
Account fees $0 monthly
Can the fee be waived? Yes
Insufficient funds fee $25
ATM transaction fee $0

Best for new freelancers

Lili

Lili logo
Finder Rating: 4.7 / 5

★★★★★

Apply now
at Lili's secure site
N/A
APY
None
Fees
None
Min. opening deposit
Lili is a business checking account ideal for freelancers who want a way to automatically set aside money for taxes. You can also get paid up to two days early and run expense reports to stay on top of your business's finances.
  • No fees. You can open a Lili account with as little as $0. There are also no fees for monthly maintenance, overdrafts, card replacements, stop payment fees and more.
  • Tax and emergency buckets. With Lili, you can automatically have a portion of every paycheck set aside for taxes and emergencies.
  • Supports cash deposits. Unlike most digital banks, Lili lets you deposit cash at 90,000 Green Dot locations nationwide.
  • No EINs or joint accounts. You can't open this account with a business partner and you'll have to use your Social Security account when you set it up.
  • Automatic tip withholds. If you dine at a restaurant, Lili adds an extra 20% from the total bill to cover future tips. It then adjusts the total once the payment hits your account.
  • Low transfer limit. You can only transfer up to $1,000 a day to a linked account, which is lower than other banks and may be too low depending on how much you pay yourself.
APY 0%
Account fees $0 monthly
Can the fee be waived? Yes
ATM transaction fee $0
Foreign transaction fee 0%
Overdraft fee $0

Best for high interest rates

BlueVine Business Checking

Up to 1%
APY
None
Fees
None
Min. opening deposit
Bluevine lures you in with an attractive 1% APY, but the perks don't stop there. This account has unlimited transactions, no monthly fees and live customer support. Deposit cash at over 90,000 Green Dot locations.
  • No hidden fees. Bluevine has no minimum deposit requirements and you'll never pay for non-sufficient funds, monthly maintenance or income wires.
  • Earns interest. Earn 1% APY on balances up to $100,000 — a rate higher than most savings accounts.
  • Large ATM network. Withdraw cash for free at over 38,000 MoneyMass ATMs nationwide.
  • No physical branches. Bluevine is fully online, so you won't be able to pop into a branch for extra assistance.
  • Fees for cash deposits. Green Dot charges up to $4.95 for cash deposits, which will eat into your profits.
APY 1%
Account fees $0 monthly
Can the fee be waived? Yes
Insufficient funds fee $0
ATM transaction fee $0
Overdraft fee $0

Best for large businesses

TIAA Bank Small Business Checking

Up to 0.12%
APY
None
Fees
$1,500
Min. opening deposit
If you're comfortable banking online, this account allows you to earn interest on your balance while you manage your expenses. While there are only four branches in Jacksonville, Florida, the account is available nationwide and the dedicated business team is there to help.
  • Earn interest. You'll earn 0.12% on your total account balance.
  • Low fees.There are no monthly, maintenance or overdraft transfer fees. Plus, you're reimbursed for all ATM charges if you have a balance over $5,000 or 15 charges if you don't.
  • ATM access. There are over 80,000 free ATMs across the country.
  • Cap on transactions. This account comes with 200 free transactions a month. You'll pay $0.25 per item if you go over this limit.
  • Few physical branches. If you need to deposit cash often, you'll need to visit one of its four branch locations in the Jacksonville, Florida area.
  • No live chat function. TIAA Bank doesn't have a live chat function, which is rare for a mostly-online bank.
APY 0.12%
Account fees $0 monthly
Can the fee be waived? Yes
Insufficient funds fee $30
ATM transaction fee $0
Overdraft fee $0

Best for established freelancers

Wave Money

N/A
APY
None
Fees
None
Min. opening deposit
If you already use Wave to send and receive invoices, then you'll love Wave Money. It handles all your accounting and banking in one place, giving you a 360-view of your finances. Plus, it has zero fees and it integrates with Square, Stripe, PayPal and other third-party platforms.
  • No fees. Wave Money doesn't charge any fees for monthly maintenance, transactions, ATM withdrawals and overdrafts. These fees are quite common at other banks.
  • Built-in bookkeeping. Wave Money is the first bank account to come with built-in accounting software, saving you up to $70 a month.
  • Free instant payouts. Get instant access to your money when customers pay you through Wave Payments. Other platforms charge around 1.5% for instant payouts.
  • No joint accounts. This account only supports single-owner businesses. But Wave is hoping to change this in the future.
  • Not available yet. This account is currently waitlisted, but you can reserve your spot and get early access in Summer 2020.
  • No other products. Wave Financial doesn't offer any other banking products, so you can't keep your savings and checking in one place.
APY 0%
Account fees $0 monthly
Can the fee be waived? Yes
ATM transaction fee $0
Overdraft fee $0

Best for low fees

NBKC Business Checking

N/A
APY
None
Fees
$5
Min. opening deposit
The NBKC Business Checking account doesn't have any of those pesky fees charged by other banks. You won't pay anything for transactions, overdrafts, stop payment requests, incoming wires and more. Plus, you get free access to over 34,000 MoneyPass ATMs in the US and Puerto Rico.
  • ATM reimbursements. Use a non-network ATM and get reimbursed for up to $12 in operator fees each month.
  • Only two fees. Unlike other banks that charge a laundry list of fees, you'll only pay for two things at NBKC: $5 for outgoing domestic wires and $45 for international wires.
  • Free add-ons. NBKC offers additional services for businesses that deposit checks regularly, need to accept card payments, are concerned about their safety and more.
  • Limited customer support. Customer service is only available during regular business hours, which means you may have to wait until the next business day to get help.
  • Few physical branches. NBKC has a few branches in the Kansas City area. If you live outside of this area, you'll need to be comfortable banking online.
APY 0%
Account fees $0 monthly
Can the fee be waived? Yes
Overdraft fee $0

Best business savings accounts

Any money that’s left over from your monthly operations can be stored in a savings account to create a passive income stream. And with the right business savings account, you could get access to extra perks that can benefit your business.

Best for low fees

Axos Bank Business Savings

Axos Bank Business Savings logo
Finder Rating: 3.7 / 5

★★★★★

Apply now
at Axos Bank's secure site
0.2%
APY
$5
Fees
$1,000
Min. opening deposit
This account is designed for businesses that don't make a lot of cash deposits. It comes with low fees and an APY that's respectable but not great.
  • Solid APY. While 0.2% APY isn't the highest we've seen, it's well above the current national average.
  • Avoidable fees. The $5 monthly fee is waived with a $2,500 minimum daily balance.
  • 60 remote deposits a month. Use the Axos mobile app to electronically deposit up to 60 checks for free each month.
  • High opening deposit. You need at least $1,000 to open this account.
  • Inconvenient cash deposits. The only way to deposit cash is to send a wire transfer to your account.
Interest compounding Daily

Best for high interest rate.

First Internet Bank Money Market Savings

First Internet Bank Money Market Savings logo
0.5%
APY
$5
Fees
$100
Min. opening deposit
While this is technically a money market account, this option pays one of the best interest rates available for business savings accounts. It can easily be opened online and there's an optional ATM card if you're a sole proprietor.
  • Avoidable fees. Avoid the $5 monthly maintenance fee by maintaining a daily balance of at least $4,000.
  • Low opening deposit. Start saving with as little as $100.
  • ATM card restrictions. Your account only comes with an ATM card if you're a sole proprietor.
  • Excessive transaction fee. If you make more than six outgoing transactions a month, you'll pay a $5 fee for each one.
Interest compounding Daily
Minimum to earn interest $0
Monthly transaction limit 6
Fee per transaction over limit $5

Best for online businesses

Live Oak Bank Business Savings account

0.6%
APY
None
Fees
None
Min. opening deposit
This account is best suited for businesses that don't need to make cash deposits or visit branches for their banking needs. Sign up online and start saving within minutes or explore Live Oak's other products like competitive-rate CDs.
  • No monthly fees. With this account, you don't have to worry about maintenance fees eating into your savings.
  • No minimum deposit. Open this account with as little as $0.
  • 0.6% APY. Earn interest on your savings at a rate higher than the current national average.
  • No cash deposits. Although this bank has one location in Wilmington, North Carolina, it doesn't accept cash deposits of any kind.
  • $10 excessive transaction fee. Live Oak charges a $10 fee each time you make more than six outgoing transactions a month.
Interest compounding Daily
Minimum to earn interest $0.01
Monthly transaction limit 6
Fee per transaction over limit $10

Best for small businesses

First Internet Bank Regular Savings

First Internet Bank Regular Savings logo
Up to 0.7%
APY
$2 monthly
Fees
$100
Min. opening deposit
First Internet Bank's Regular Savings account for businesses is online-only and available nationwide. You'll only need $100 to get started and you'll earn 0.7% APY as long as you keep less than $10 million in the account.
  • Competitive rate. You'll earn 0.7% APY as long as your daily balance is $10 million or less. You'll earn 0.4% APY if your balance is above this.
  • Low monthly fee. You'll pay $2 a month, but you can easily avoid it if you keep an average daily balance of $1,000.
  • ATM card. Most savings accounts don't come with an ATM card, but this one does. Plus, First Internet Bank refunds you $10 a month on ATM fees.
  • Online-only. First Internet Bank has no branches, so you'll have to do all your banking online.
  • Excessive withdrawal fee. Like all savings accounts, you're limited to six monthly transactions. With First Internet Bank, you'll pay $5 for every transaction that you go over that limit.
Interest compounding Daily
Minimum to earn interest $0
Monthly transaction limit 6
Fee per transaction over limit $5

Best for no minimum deposit

NBKC Bank Business Money Market

NBKC Bank Business Money Market logo
0.8%
APY
None
Fees
None
Min. opening deposit
The NBKC Bank Business Money Market Account is a breath of fresh air with its simple fee structure and low opening deposit. You won't pay any fees for monthly maintenance, and NBKC reimburses up to $12 for third-party ATM fees.
  • No minimum deposit. Open this account with as little as $0, unlike other money market accounts that require you to have $1,000 or more.
  • Minimal fees. NBKC prides itself on low fees. It doesn't charge for overdrafts, transactions, ATM usage mobile deposits, bill pay or monthly maintenance.
  • Competitive interest rates. Stash away your company's excess cash and watch it grow with a competitive 0.8% APY.
  • Limited support hours. NBKC customer service is only available during business hours from 8 a.m. to 5 p.m. CT.
  • Not 100% fee-free. Expect to pay $10 for excessive withdrawals, paper statements and non-sufficient funds, as well as $25 for overnight delivery.
Interest compounding Daily
Minimum to earn interest $0.01
Monthly transaction limit 6
Fee per transaction over limit $10

Best for low opening deposit

TAB Bank Money Market

TAB Bank Money Market logo
0.5%
APY
None
Fees
$25
Min. opening deposit
While most money market accounts have monthly fees and minimum deposits of $1,000 or more, TAB Bank Money Market ditches all of these requirements. Plus, you'll get an ATM card and checks for easier access to your money.
  • No monthly fees. You won't have to worry about meeting certain deposit or balance requirements to waive the monthly fee because there isn't one.
  • Low opening deposit. All you need is $25 to open a TAB Bank Money Market account — a stark contrast from competitors that require initial deposits of $1,000 or more.
  • Competitive interest rate. You'll earn a competitive 0.5% APY on your total account balance.
  • Expensive excessive withdrawals. Almost all savings accounts restrict you from making more than six outgoing withdrawals a month. With TAB Bank, you'll pay a $20 fee each time you go over this limit, which is more expensive than competing banks.
  • Potential fee for customer service. You get three free calls with customer service each month. After that, you may pay $5 for each additional call. We don't know of any other banks that charge this fee.
Interest compounding Daily
Minimum to earn interest $1
Monthly transaction limit 6
Fee per transaction over limit $20

How to find the best bank account for your business

While searching for the best checking and savings accounts, keep these factors in mind to help you compare your options:

  • APY. Online business savings accounts and interest-bearing checking accounts often have higher rates and can help you save more sooner, but it’s not always worth sacrificing other factors to get the highest possible APY and keep your eye out for temporary APYs that expire after a certain period.
  • Fees. Monthly service charges can eat into your balance, but online accounts generally have fees that are low or easily avoidable.
  • Sign up bonus and rewards. Rewards programs and opening bonuses can give you a head start on saving — just make sure you meet the eligibility requirements.
  • Features. Features like cashflow management, mobile banking and budgeting tools can help you take control of your money and save more for the future.
  • ATM access. Choose an account that lets you withdraw cash for free from ATMs. Not all banks have branches or branded ATMs, but many online accounts will reimburse any fees you pay for using out-of-network machines.
  • Minimum opening deposit. Many business bank accounts require you to deposit a specific amount of money to open to account.
  • Monthly transactions. Some business bank accounts only allow you to make a certain number of transactions each month. If you plan on using your account frequently, look for an account that allows unlimited transactions.

Alternatives to business bank accounts

Business banks accounts can help you manage your company’s finances, but there are other options. For instance, some cash management accounts (CMAs), such as Brex Cash, have higher APYs with fewer fees. The downside is that CMAs can be less convenient than business bank accounts, and they’re not always FDIC insured.

Bottom line

Checking and savings accounts are often a core component of managing the cash flow of your business. Whether your requirements are cut and dry or you need an account to fit into a complex management system, there’s probably an account that fits. Dig deeper into one of these best business bank accounts or learn more about the other options that might be at your disposal.

Compare other business bank accounts

This table has two tabs: one for checking and one for savings. Click on whichever tab you’re interested in, then sort the table by minimum deposits, fees and more. If you want to compare multiple accounts at once, click the “Compare” box next to your top picks for an alternative view.

Name Product Fee Minimum deposit to open ATMs
Brex Cash account
$0
$0
Brex Cash is an innovative cash management account that lets business owners choose whether to save or invest funds.
Chase Business Complete Banking
$15 per month
(can be waived)
$0
over 16,000 in-network ATMs
This Chase business checking account has built-in card acceptance using a smartphone card reader. $300 bonus offer
Lili
$0
$0
32,000 fee-free ATMs nationwide
A checking account designed for freelancers with no account fees and no minimum balance.
Square
$0
$0
Anywhere Mastercard is accepted
Use your business debit card anywhere Mastercard® is accepted, with no monthly fees, sign-up fees, or annual fees.
Novo
$0
$50
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.
NorthOne Business Banking
$10 per month
$50
withdraw cash at any Cirrus branded ATM location (+1,000,000 locations accross the U.S + 2m worldwide), including MoneyPass ATMs

A digital bank account featuring free cash deposits, on-demand customer support and streamlined bookkeeping integrations.
Radius Bank Tailored Checking
$10 per month
(can be waived)
$100
More than 325,000 ATMs + unlimited ATM surcharge rebates
with Tailored Checking get free ATMs worldwide and unlimited penalty-free transactions.
Axos Bank Basic Business Checking
$0
$1,000
ATM fees reimbursed at any ATM nationwide
No monthly maintenance fees, a low minimum deposit requirement, unlimited domestic ATM fee reimbursements and $100 bonus
Axos Bank Business Interest Checking
$10 per month
(can be waived)
$100
ATM fees reimbursed at any ATM nationwide
Earn up to 0.81% APY and pay no monthly maintenance fee with an average daily balance of at least $5,000.
loading

Compare up to 4 providers

Name Product Annual percentage yield (APY) Fee Minimum deposit to open
Axos Bank Business Savings
Finder Rating: 3.7 / 5: ★★★★★
Axos Bank Business Savings
0.20%
$5 per month
(can be waived)
$1,000
A business savings account with a low minimum deposit.
Axos Bank Business Money Market
Finder Rating: 3.6 / 5: ★★★★★
Axos Bank Business Money Market
0.20%
$10 per month
(can be waived)
$1,000
This money market savings account comes with the added benefit of check writing privileges.
NBKC Bank Business Money Market
NBKC Bank Business Money Market
0.80%
$0
$0
The NBKC Bank Business Money Market Account is a breath of fresh air with its simple fee structure and low opening deposit.
First Internet Bank Regular Savings
First Internet Bank Regular Savings

0.70% on $0 to $10,000,000
0.40% on $10,000,000+
$2 per month
(can be waived)
$100
First Internet Bank's Regular Savings account for businesses is online-only and available nationwide.
Live Oak Bank Business Savings account
Finder Rating: 4.4 / 5: ★★★★★
Live Oak Bank Business Savings account
0.60%
$0
$0
No monthly maintenance fees. No minimum balance requirements. Interest compounded daily
Goldwater Bank Savings Plus Business
Goldwater Bank Savings Plus Business
0.45%
$25,000
Goldwater Business Savings offers to segregate business funds on deposit for different purposes and provides a convenient way to manage money based on your specific business needs
Axos Bank Business Premium Savings
Finder Rating: 3 / 5: ★★★★★
Axos Bank Business Premium Savings
0.20%
$0
$25,000
This digital savings account includes no monthly maintenance or average daily balance fee.
TIAA Bank Business Money Market
Finder Rating: 3 / 5: ★★★★★
TIAA Bank Business Money Market

0.45% on $1,000,000+
0.40% on $100,000 to $999,999.99
0.35% on $10,000 to $99,999.99
$14.95 per month
(can be waived)
$1,500
This business money market account allows you to add several authorized users to your account.
U.S. Bank Platinum Business Money Market
U.S. Bank Platinum Business Money Market

0.05% on $100,000+
0.10% on $24,999 to $99,999
$15 per month
(can be waived)
$100
Earn higher rates of interest on higher balances, plus pay no monthly maintenance fee as long as you maintain a minimum balance of $10,000.
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