The Best Business Checking Accounts in 2025
These providers partner with FDIC-insured banks to deliver modern business banking services. See individual pages for banking details.
- FDIC insured up to $250,000 per depositor, per bank, per category
- All-in one business account for global success
- Fast international transfers from 0.5% above interbank rates
- Seamless integration with major e-commerce and accounting platforms
- Deposits are FDIC-insured up to $250,000
- Access industry-leading transfer limits for ACH and wires
- Over $29,000 in savings on tools and services for new customers
- Up to $250,000 in business loans
- Enhanced FDIC insurance through Grasshopper Bank up to $125M
- Earn 3.30% APY savings and 1.80% APY checking
- Get 1% cash back and unlimited transactions with no monthly fees
- Earn 25X higher rates than standard business checking
- Get up to $3 million in FDIC insurance—that’s up to 12x the national average
- Earn up to 3.7% APY on your business checking balance
- Send and receive unlimited ACH transfers at no cost
- Access business credit lines up to $250,000
- Deposits are FDIC-insured up to $3M
- Earn 3.00% APY across two high-yield business accounts
- Organize finances with 20 dedicated sub-accounts for projects and teams
- Send international transfers with no foreign fees and low-cost wires
- Deposits up to $250k are insured by Chase Bank; Member FDIC
- Convenient tools to help manage time and cash flow
- ATMs available at 15,000 locations, without fees
- Support and consulting services to fit your needs
How we help you choose
We review and compare key features of business checking accounts from leading providers. We analyze monthly fees, transaction limits, minimum balances, and additional services — you focus on finding the account that best fits your business needs.
Our Top 3 Business Checking Accounts
Airwallex unifies global business banking with integrated payment tools. Their platform combines international transfers, expense management, and accounting integrations into one unified solution for businesses operating globally.
NorthOne combines free business banking with industry-leading transfer limits and extensive integrations. Their platform offers unlimited transactions and powerful tools, with a premium tier for enhanced features and support.
Grasshopper combines high-yield business banking with cash back rewards and free transactions. Their digital platform offers competitive APY rates, unlimited transfers, and 24/7 mobile banking with no monthly fees.
Business Banking Essentials
Everything you need to know about business checking accounts — from choosing the right provider to understanding security requirements
How to choose a business checking provider
Selecting the right business banking provider starts with comparing the product features that align with your specific needs. Consider the fee structures and minimum balance requirements to ensure they fit within your financial expectations. It’s also important to evaluate how well the provider’s offerings integrate with your existing tools, such as accounting or payroll software. Keep your business’s cash flow needs in mind by examining the deposit and transfer limits, and don’t forget to look at potential earnings from APY rates or cash back rewards.
Types of business checking accounts
There are several types of business checking accounts available, each catering to different needs. Free accounts typically offer basic features but may come with transaction limits. For businesses seeking enhanced services, premium accounts provide advanced features and higher transaction limits. If your business operates in the e-commerce or digital space, specialized accounts may offer tailored benefits. High-yield accounts provide the opportunity to earn interest on your deposits, while cash management accounts offer multiple sub-accounts to help streamline your financial organization.
Common business banking features
Business banking providers often include essential features designed to support your financial operations. These typically include ACH and wire transfer capabilities, as well as mobile check deposits and bill pay options for added convenience. Sub-accounts can be used for effective expense management, while integrations with third-party tools like accounting and payroll software help automate your workflows. Most providers offer robust mobile and online banking access, complemented by debit cards and payment processing options to simplify your day-to-day transactions.
Business banking security & compliance
Business checking providers must maintain strict security standards and regulatory compliance to protect your finances. Look for providers offering FDIC insurance (typically up to $250,000), multi-factor authentication, and fraud monitoring. Digital security features like account alerts, IP address tracking, and encrypted transactions are essential. Many providers also include tools for maintaining audit trails, managing user permissions, and generating compliance reports. Understanding these security features helps ensure your business transactions remain protected and compliant with financial regulations.