5 Best Banks for QuickBooks Integration

There are many business bank accounts out there, but not all of them sync with the software that you use daily. Intuit QuickBooks is one of the most well-known accounting software programs out there, with tools for invoicing, expense tracking, payroll, tax preparation and much more.

We’ve compared dozens of the best business checking and savings accounts and narrowed down the best banks for QuickBooks integration. We also compared monthly fees, management tools and other software integrations.

5 best business accounts that work with QuickBooks

• Best overall: Bluevine
• Best for large teams: Relay
• Best for most software integrations: North One
• Best for startups: Mercury
• Best for rewards: Primis Unlimited

Best overall

Bluevine Business Checking

9 Excellent

You can earn $500 when you open a new Bluevine Business Checking account and meet eligibility requirements. Apply with referral code CA500. T&Cs apply.

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Bluevine is no stranger to our best business account lists. With three plans to choose from and one with no service fees, it's a solid choice for many business owners. Bluevine can sync with QuickBooks and eight other popular software options, such as Square, Wave and Xero. You also earn APY on your balance, ranging from 1.3% to 3% APY, depending on your plan. Protect your deposits with high FDIC insurance up to $3 million, enjoy unlimited transactions, deposit cash at Allpoint and Green Dot locations (for a fee) and use MoneyPass ATMs for no-fee withdrawals.

APY	Up to 3.00%
Fee	From $0 per month

• Why we like it

  Bluevine is no stranger to our best business account lists. With three plans to choose from and one with no service fees, it's a solid choice for many business owners. Bluevine can sync with QuickBooks and eight other popular software options, such as Square, Wave and Xero. You also earn APY on your balance, ranging from 1.3% to 3% APY, depending on your plan. Protect your deposits with high FDIC insurance up to $3 million, enjoy unlimited transactions, deposit cash at Allpoint and Green Dot locations (for a fee) and use MoneyPass ATMs for no-fee withdrawals.

• Pros and cons

  Pros

  • Supports QuickBooks and other software
  • Few fees and no minimum deposit
  • Earn 1.3% to 3% APY, depending on plan
  • Unlimited transactions
  • High FDIC insurance

  Cons

  • 2.90% transaction fee when you pay bills with your credit card
  • Allpoint and Green Dot cash deposit fees

• More details

  Annual Percentage Yield (APY)	3.00% on balances of $0+ 1.75% on balances of $0 to $250,000 1.30% on balances of $0 to $250,000
  Intro or bonus offer	You can earn $500 when you open a new Bluevine Business Checking account and meet eligibility requirements. Apply with referral code CA500.
  Fee	From $0 per month
  Nonsufficient funds fee	$0
  ATM transaction fee	$0
  Overdraft fee	$0
  Foreign transaction fee	0%

APY	Up to 3.00%
Fee	From $0 per month

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Best for large teams

Relay

9.6 Excellent

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Relay is a business checking account with no minimum opening deposit, foreign transaction fees or ATM fees. It can sync with a lot of popular software programs, including QuickBooks, Gusto, Plaid, Xero and Yodlee. Its standout feature, though, is its team tools. Create up to 20 checking accounts and assign up to 50 debit cards to employees while setting spending and ATM limits. Relay also offers up to two savings accounts with APYs from 1.19% to 3.21%, though you'll need at least $50,000 to earn the highest rate. The basic Relay plan doesn't have service fees, and the Relay Pro plan costs $30 per month, offering extra perks like free outgoing wires, a bill pay dashboard, accounts payable and more.

APY	Up to 3.21%
Fee	$0 per month

• Why we like it

  Relay is a business checking account with no minimum opening deposit, foreign transaction fees or ATM fees. It can sync with a lot of popular software programs, including QuickBooks, Gusto, Plaid, Xero and Yodlee. Its standout feature, though, is its team tools. Create up to 20 checking accounts and assign up to 50 debit cards to employees while setting spending and ATM limits. Relay also offers up to two savings accounts with APYs from 1.19% to 3.21%, though you'll need at least $50,000 to earn the highest rate. The basic Relay plan doesn't have service fees, and the Relay Pro plan costs $30 per month, offering extra perks like free outgoing wires, a bill pay dashboard, accounts payable and more.

• Pros and cons

  Pros

  • $0 plan available
  • Syncs with QuickBooks, Xero and more
  • Issue 20 checking accounts and 50 debit cards
  • 1.19% to 3.21% APY, depending on balance

  Cons

  • Automatic bill pay requires paid plan
  • No paper checks
  • Best APY requires higher tier paid plan

• More details

  Annual Percentage Yield (APY)	3.21% on balances of $0+ 1.87% on balances of $0+ 1.19% on balances of $0+
  Fee	$0 per month
  Nonsufficient funds fee	$0
  ATM transaction fee	$0
  Overdraft fee	$0
  Foreign transaction fee	0%

• Partner terms and conditions

  Relay is a financial technology company, not an FDIC-insured bank. Banking services and FDIC insurance are provided through Thread Bank and Evolve Bank & Trust; Members FDIC.The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.

APY	Up to 3.21%
Fee	$0 per month

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verified_user FDIC Insured

Best for most software integrations

North One Business Banking

8 Great

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The North One Connected Bank Account is a digital business checking account with two plans, and the account can be linked to over 20 different software programs, including real-time sync with QuickBooks. Other integrations include Airbnb, BambooHR, Expensify, Gusto, PayPal, Quicken, Slack, Square and Venmo. There's the Standard plan for $0 per month and Plus for $20 per month. The Plus plan discounts services like same-day ACH, bill pay, domestic wires and cash deposits. But even the free plan includes interest on balances, bookkeeping and accounting tools, software integrations, transaction search and filters, envelope budgeting, savings goals, paper checks and cash deposits. However, North One doesn't currently support international wires or SWIFT payments, and to earn interest, you must have a monthly card spend of at least $500 and a balance of $0.01 to $250,000.

APY	Up to 3.00%
Fee	From $0 per month

• Why we like it

  The North One Connected Bank Account is a digital business checking account with two plans, and the account can be linked to over 20 different software programs, including real-time sync with QuickBooks. Other integrations include Airbnb, BambooHR, Expensify, Gusto, PayPal, Quicken, Slack, Square and Venmo. There's the Standard plan for $0 per month and Plus for $20 per month. The Plus plan discounts services like same-day ACH, bill pay, domestic wires and cash deposits. But even the free plan includes interest on balances, bookkeeping and accounting tools, software integrations, transaction search and filters, envelope budgeting, savings goals, paper checks and cash deposits. However, North One doesn't currently support international wires or SWIFT payments, and to earn interest, you must have a monthly card spend of at least $500 and a balance of $0.01 to $250,000.

• Pros and cons

  Pros

  • Supports over 20 integrations, including QuickBooks
  • $0 plan available
  • Earn up to 2.5% to 3% APY on balance
  • Cashback on select purchases
  • Tons of budgeting, accounting and management tools

  Cons

  • $50 opening deposit
  • Interest requires monthly card spend of $500
  • No international wires or SWIFT payments

• More details

  Annual Percentage Yield (APY)	3.00% on balances of $0 to $250,000 2.50% on balances of $0 to $250,000
  Fee	From $0 per month
  Nonsufficient funds fee	$0
  ATM transaction fee	$0
  Overdraft fee	$0
  Foreign transaction fee	0%

APY	Up to 3.00%
Fee	From $0 per month

Read review

verified_user FDIC Insured

Best for startups

Mercury

8.8 Great

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Mercury is an online business account built for startups and online businesses. It syncs with QuickBooks and charges no monthly, overdraft or ACH transfer fees. You'll also get free domestic wires and free outgoing international wires in USD. Through its sweep program, balances can be covered with up to $5 million in FDIC insurance. Other perks include the Mercury Treasury, a cash management tool that invests extra funds into mutual funds, and you can make mobile check deposits. However, you can't make cash deposits, and you don't earn interest on your balance.

APY	N/A
Fee	$0 per month

• Why we like it

  Mercury is an online business account built for startups and online businesses. It syncs with QuickBooks and charges no monthly, overdraft or ACH transfer fees. You'll also get free domestic wires and free outgoing international wires in USD. Through its sweep program, balances can be covered with up to $5 million in FDIC insurance. Other perks include the Mercury Treasury, a cash management tool that invests extra funds into mutual funds, and you can make mobile check deposits. However, you can't make cash deposits, and you don't earn interest on your balance.

• Pros and cons

  Pros

  • $0 monthly maintenance and overdraft fees
  • No USD wire transfer fees
  • Various software integrations, including QuickBooks
  • High FDIC insurance
  • Cash management Mercury Treasury

  Cons

  • No cash deposit options
  • Not interest-bearing

• More details

  Annual Percentage Yield (APY)	N/A
  Fee	$0 per month
  ATM transaction fee	$0
  Overdraft fee	$0
  Foreign transaction fee	3%

APY	N/A
Fee	$0 per month

Read review

verified_user FDIC Insured

Best for rewards

Primis Unlimited

9 Excellent

Earn 1.00% cash back on every purchase T&Cs apply.

Offering transaction integration with QuickBooks, Quicken and Plaid, the Primis Unlimited business account stands out for much more than integrations. This account earns up to 1.00% cash back on every purchase, with no caps. There's a $1 opening deposit, no minimum balance requirements, no monthly fees, no overdraft fees, no ATM fees, and you get unlimited transactions and cash flow analytics included. There are also no fees for any incoming wires, and Primis will refund the fee if another bank charges you, plus give you $10 for fronting the cost. However, you won't have branch access unless you're in Virginia or Maryland.

Fee	$0 per month

• Why we like it

  Offering transaction integration with QuickBooks, Quicken and Plaid, the Primis Unlimited business account stands out for much more than integrations. This account earns up to 1.00% cash back on every purchase, with no caps. There's a $1 opening deposit, no minimum balance requirements, no monthly fees, no overdraft fees, no ATM fees, and you get unlimited transactions and cash flow analytics included. There are also no fees for any incoming wires, and Primis will refund the fee if another bank charges you, plus give you $10 for fronting the cost. However, you won't have branch access unless you're in Virginia or Maryland.

• Pros and cons

  Pros

  • Cash back on debit card purchases
  • $0 monthly fees and $1 to open
  • No ATM fees and unlimited ATM reimbursements
  • Cash flow analytics and unlimited transactions
  • Free incoming wires and extra cash once refunded

  Cons

  • Limited branch access

• More details

  Annual Percentage Yield (APY)	N/A
  Intro or bonus offer	Earn 1.00% cash back on every purchase
  Fee	$0 per month
  Nonsufficient funds fee	$0
  Overdraft fee	$0

Fee	$0 per month

verified_user FDIC Insured

Methodology: How we chose the best business accounts

Finder’s banking experts research and analyze over 40 business bank accounts to find the best ones that not only support QuickBooks integration but also stand out when it comes to fees, features and business management. We consider the number of software integrations, interest earnings, transaction limits, ATM access and extras like tax tools.

An account must meet these minimum criteria to earn a spot on our list:

• Must integrate with QuickBooks
• Offer a $0 monthly fee, or ways to waive the monthly fee
• Require a minimum opening deposit of $100 or less
• Provide nationwide access and an online account application

Other accounts that work with QuickBooks

We focused on the best business accounts that work with QuickBooks, but plenty of other options can sync with the software.

These options didn’t meet our requirements to be considered for our best list, usually due to a high monthly fee, but are still worth mentioning because of their popularity:

• Bank of America business accounts
• Chase business accounts
• Wells Fargo business accounts

How do I connect my bank to QuickBooks?

QuickBooks allows customers to send payments to any standard business or personal checking or savings account based in the US. When it comes to syncing QuickBooks to your business account for real-time tracking, the exact process will vary.

Here is Bluevine’s process as an example when it comes to syncing QuickBooks to your account:

1. Sign in to your business account via the app or online.
2. Select Payments and then Unpaid Bills in the menu.
3. Choose Connect to QuickBooks Online and then sign in to your Intuit account.
4. Follow the authentication process, allow access and then select Connect.
5. View QuickBooks integration by choosing External Account in your Bluevine app or dashboard.

How to apply for a business bank account

Applying for a business bank account is very similar to applying for a personal account — you’ll just likely need some more documents.

Here are the three general steps to apply for a business account:

1. Choose your account. Compare business checking accounts, business savings and money market accounts.
2. Gather your documents. You’ll need basic documents such as your government-issued ID, residential address, date of birth and Social Security number. You may also need other business docs, such as an Employer Identification Number (EIN), a business license and a 501(c) Letter if you have a nonprofit.
3. Apply. With your documents and chosen account, you can apply for the business account, and most banks allow online applications. In many cases, you’ll hear an approval decision within a few business days.

For more details, see our guide on how to open a business account.

Bottom line

QuickBooks is one of the most popular accounting software programs in the world, and many business accounts support integration with it. The tricky part comes when you need to find the right bank account for your business, which starts by comparing fees, features and accessibility.

Compare more business checking accounts

Narrow down more top business bank accounts by fees, opening deposits and APYs. For a closer comparison, tick the Compare box to view options side by side.

• Business Checking
• Business Savings

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Finder Score	Fee	Annual Percentage Yield (APY)	FDIC Insured Amount	Software Integrations	Account management	Bank transfer fee
Promoted 8.8 Great Airwallex	8.8 Great	$0 per month	N/A	Up to $250,000	Amazon, Quickbooks, Zapier, Shopify, Xero, Hubspot and more	Online, App, Phone	$0	Go to site View details Compare product selection Compare	loading
Promoted 8.4 Great Novo Business	8.4 Great	$0 per month	N/A	Up to $250,000	Quickbooks, Stripe, Square, Xero, and more	Online, App, Phone	$0	Go to site View details Compare product selection Compare	loading
6.6 Standard Live Oak Business Essential Checking	6.6 Standard	$10 per month (can be waived)	N/A	Up to $250,000	QuickBooks	Online, App, Phone	$0	Go to site View details Compare product selection Compare	loading
7.6 Great Chase Business Complete Banking®	7.6 Great	$15 per month (can be waived)	N/A	Up to $250,000	N/A	Branch, Online, App, Phone	$0	Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities. T&Cs apply.	Go to site View details Compare product selection Compare	loading
9.4 Excellent Revolut Business	9.4 Excellent	From $10 per month	N/A	Up to $250,000	Xero, FreeAgent, Zapier, Slack, Google Workspace, QuickBooks, HR programs and more	Online, App, Phone	$0	Go to site View details Compare product selection Compare	loading

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How we picked these

How we calculate Business Checking Finder Scores

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What different scores mean

9+

Excellent

These are the best business checking accounts that are likely to have the lowest fees, smallest opening deposits, unlimited transactions and low wire transfer fees.

7+

Great

These accounts may have low service fees, a number of free transactions and low wire transfer fees, but may not offer the most perks.

5+

Standard

These business accounts are likely to charge a monthly fee, may have transaction fees or costly wire transfer fees, but are still typical business accounts.

0+

Basic

These business checking accounts are likely to have costly service fees, may not accept cash deposits, have costly wire transfer fees and lack extra perks the best accounts offer.

What is the Finder Score?

The Finder Score analyzes and evenly weighs business accounts against multiple factors, including monthly maintenance fees, opening deposits, overdraft fees, wire transfer fees and transaction limitations. We also award accounts that offer extra perks not normally offered, such as annual percentage yield (APY), without penalizing accounts that aren’t interest-bearing.

Read the full breakdown

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Finder Score	Account type	Annual Percentage Yield (APY)	FDIC or NCUA insured amount	Minimum balance to earn APY	Minimum deposit to open
7.6 Great Grasshopper Innovator Business Savings	7.6 Great	Money market	Up to 3.25%	Up to $125 million	$0	$100	Go to site View details Compare product selection Compare	loading

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How we picked these

To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.

Written by

Bethany Hickey

Banking editor

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Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

Bethany's expertise

Bethany has written 471 Finder guides across topics including:

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