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Best Bank Accounts for Small Businesses in December 2025

Compare leading business bank accounts for startups, LLCs and small businesses with no hidden fees.

For international business

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

Best overall business account

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  • Earn 2.7% APY with $0 monthly fee
  • Earn 3.7% APY with Bluevine Premier
  • $95 monthly fee can be waived when certain requirements are met
  • Up to 5 subaccounts

Free unlimited invoices

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  • $0 monthly fees
  • Free ACH and wire transfers
  • 95% faster payments with Stripe
  • Third-party apps integration
  • Automated, recurring invoices

Best business accounts

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 CA300. T&Cs apply.
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Bluevine Business Checking is our top pick overall thanks to its free plan, strong APY options and robust features. The Standard plan has no monthly fees and earns up to 1.5% APY on balances up to $250,000 if you meet activity requirements. Paid plans — Plus ($30/mo) and Premier ($95/mo) — offer up to 2.7% APY and 3.7% APY respectively, with waivable fees and no activity requirements. All plans have no overdraft, foreign transaction fees or minimum deposit, and include up to $3 million in FDIC insurance via partner banks. You'll get unlimited invoicing (via Stripe), and integrations with QuickBooks, Venmo, Square and more. The main drawback: a 2.9% fee on credit card bill payments.
APY Up to 3.70%
Fee From $0 per month

Best for international business

Airwallex

8.8 Great

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Airwallex offers a borderless business account. It has no monthly fees, minimum transaction requirements, foreign transaction fees or opening deposit requirements. Airwallex accepts businesses registered in over 50 countries, including the US, UK and Canada. With your Airwallex account, you can open subaccounts with local bank details in over 60 countries, accept payments from over 180 countries, create multi-currency cards and sync your account with software like QuickBooks and WooCommerce.
Fee $0 per month

How to pick a top business account

There are a few things that every business owner should consider:

  • Fees. Compare monthly maintenance fees, overdraft fees and opening deposit requirements. Beyond these, look at fees attached to wire transfers and ATM withdrawals.
  • Interest. While not common, there are some interest-bearing business checking accounts. Though, they might come with a minimum balance requirement to start earning interest.
  • Rewards. If you plan on using your business debit card frequently, consider an account with a cashback rewards program for possible earnings.
  • Cash deposits. If you’re a cash-based business, you may want to consider a bank with physical branches to make cash deposits easier. For online-based businesses, cash deposits are usually not possible or come with a fee.
  • Software integrations. For taxes, expense reports, bank statements and more, having a bank with software integrations, such as Quickbooks or Xero, can make bookkeeping easier.

How to open a business account for your small business

It doesn’t take long to open a business bank account — especially if you’re going with an online bank. Most small businesses will need to provide the following documents when opening an account:

  • Government-issued ID or valid driver’s license
  • Employer Identification Number (EIN), SSN or Taxpayer Identification Number
  • Business license
  • LLC operating agreement
  • Articles of organization and amendments

Can I use my own bank account for my small business?

While you can use your personal bank account to run your small business, it’s generally not recommended since it can affect liability and make business bookkeeping a pain. Having a dedicated business bank account for your business helps protect your personal assets and any other owner’s assets.

A business account for your small business can help you keep track of expenses, tax deductions or credits, and keep your income separate from your personal assets. This separation ensures clear financial organization and minimizes any potential challenges with the IRS in the future.

Also, a business bank account can make applying for business loans for an LLC easier. Business loan providers almost always require business bank statements for evaluation. Keeping personal and business accounts separate avoids complications and makes it easier to provide the necessary financial documentation, increasing your chances of securing business loans.

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