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Best business checking accounts for May 2025

The right business checking account can help you manage and grow your small business.

Product
Finder Score
Fee
Minimum deposit to open
Annual Percentage Yield (APY)
Bonus offer
Finder score
9 Excellent
$0 per month
$0
Up to 3.80%
Get up to $300 cash bonus with qualifying direct deposit. Terms apply. This offer is available until January 31, 2026.
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Finder score
9.6 Excellent
$0 per month
$0
3.75% on balances of $5,000 to $250,000
1.00% on balances of $0 to $4,999
1.00% on balances of $250,001+
Earn 10% cash back at Walmart on your first purchase made within your first month, on up to $200 spent. Limited time offer. Earn 3% cash back at Walmart on up to $150 spent per month, with eligible deposits.
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Finder score
9.6 Excellent
$0 per month
$0
N/A
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Capital One 360 Checking
Capital One logo
Finder score
9.2 Excellent
$0 per month
$0
0.10% on balances of $0.01+
Earn a $250 bonus with 360 Checking. No fees, no minimums. Terms and eligibility requirements apply.
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HSBC Premier Checking
HSBC logo
Finder score
7 Great
$50 per month
(can be waived)
$0
0.01% on balances of $5+
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Cash App Card
Cash App logo
Finder score
8.8 Great
$0 per month
$0
4.00%
Go to siteView details
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What is the Finder Score?

The Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.

To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.

Read the full Finder Score breakdown

All-in-one business banking: North One Business Banking

Mobile Eyes
FINDER'S PICK

8 Great

  • $0 monthly fee with Standard plan
  • Unlimited transactions
  • Set up in as little as 3 minutes from your computer or phone
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on North One's secure site

For international business: Airwallex

8.8 Great

  • $0 monthly fees
  • Pay in 60+ currencies to 150+ countries
  • Expense management & software integration
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on Airwallex's secure site

Best for 1-person businesses: Found

9 Excellent

  • No hidden fees
  • $0 minimum balance
  • Invoicing and expense tracking
  • Simplified taxes
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on Found's secure site
Partner terms and conditions
Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The Found Mastercard®️ debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc. Found’s core features are free. Found also offers a paid product, Found Plus.

Best business checking accounts

Best overall

Bluevine Business Checking

9 Excellent

You can earn $300 when you open a new Bluevine Business Checking account and meet eligibility requirements. Apply with referral code CA300.
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With an attractive rate of up to 1.5% APY and no monthly fee, no opening deposit requirement and unlimited transactions, Bluevine's free Standard plan lands as our best overall business checking account. To earn its 2% APY, you'll need to spend $500 or earn $2,500 each month. For an even higher APY, you can opt for one of the paid plans Plus or Premier for a 2.7% to 3.7% APY with no activity requirements. Plus is $30 per month and Premier is $95 per month, but you can waive the fee by meeting balance or transaction requirements. In addition, Bluevine sports very high FDIC insurance up to $3 million thanks to its partner bank Coastal Community Bank and a network of program banks. It's partnered with Allpoint and Green Dot for cash deposits, and MoneyPass ATMs for fee-free cash withdrawls, but you'll pay fees for cash deposits.
APYUp to 3.70%
FeeFrom $0 per month
Minimum deposit to open$0

Best for freelancers

Found

9 Excellent

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on Found's secure site
Read review
Found is designed to serve freelancers and self-employed people. It comes standard with no monthly fees or balance requirements. It offers some great specialized features useful for freelancers, including the ability to create invoices, track expenses and income, create basic reports, and manage cash flow with custom pockets. A standout perk is the ability to calculate and save taxes in the Found savings account. You can also upgrade to Found Plus for $19.99 a month or $149.99 per year to get extras, such as 1.50% APY on balances up to $20,000 and custom expense categories.
APY1.50%
FeeFrom $0 per month
Minimum deposit to open$0

Best for accountants and bookkeepers

Novo Business

8.4 Great

Go to site Read review
Novo carries no monthly fees and has no minimum deposit requirement to open. Plus, there's no ATM fees, foreign transaction fees, incoming wire fees, or debit card replacement fees. But what makes it really shine is the number of software integrations supported. You can connect Novo to Quickbooks, Stripe, Square, Xero and more. This makes Novo an ideal choice for accountants, e-commerce and small businesses like restaurants or hair stylists that want to keep their business finances and information all in one place.
APYN/A
Fee$0 per month
Minimum deposit to open$0

Best for signup bonus

Chase Business Complete Banking®

7.6 Great

Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
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on Chase's secure site
Read review
The Chase Business Complete Banking® account keeps things simple. It offers free same-day deposits, unlimited transactions, free same-day deposits and an integrated system that allows for banking and payment processing from the same account. It's also one of the few business checking accounts on the market to offer a signup bonus: new customers earn a $300 or $500 bonus when they meet certain balance and transaction requirements.
Fee$15 per month
Minimum deposit to open$0

Methodology: How we choose the best accounts

Finder’s banking experts research and analyze over 41 business checking accounts to find the best ones that offer perks and features helpful to businesses, such as software integrations, tax tools, interest, transaction limits and ATM access. We weigh these features against the account’s fees and opening deposit requirements.

We also consider the following factors when choosing the best list:

  • Up to $15 monthly fees as long as there’s an easy way to avoid the fee such as
    • Balance requirements of no more than $2,000
  • Up to $100 minimum opening deposits
  • For interest-bearing business checking accounts, the APY must occur on high balances and at least $2,500 a month in deposit requirements

Read more on Checking Accounts

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