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Independent comparisons of checking, savings, and banking packages. Fees, APY, features, and verdicts.

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Account Profiles

In-depth profiles with fees, APY, features, and independent verdicts.

Chase Business Complete Banking

Branch + ATM cash deposits, built-in invoicing & card acceptance; $15 fee waivable at $2,000 activity/balance

Monthly fee: $15 per statement period

Checking APY: None (does not earn interest)

Rating: 7.8/10

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Bluevine Business Checking

Online SMB checking with tiered APY, waivable paid plans, and $3M sweep FDIC — weak on cash, strong on ACH/invoicing

Monthly fee: Standard $0; Plus $30; Premier $95

Checking APY: Standard 1.3% (first $250k, monthly activity test); Plus 1.75% (to $250k); Premier 3.0% (no cap per interest terms)

Rating: 8.4/10

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American Express Business Checking

No monthly fee + 1.30% APY on first $500k + Membership Rewards, online-only, no cash deposits

Monthly fee: $0 — unconditional

Checking APY: 1.30% APY on first $500,000 per account (variable; no activity gate)

Rating: 8.2/10

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Bank of America Business Advantage

National branch + ATM bank with waivable monthly fees; cash and paper-item priced by tier; 0% APY on checking

Monthly fee: Fundamentals $16/mo (first 12 cycles free); Relationship $29.95/mo (first 2 cycles free)

Checking APY: None — non-interest-bearing on both Advantage checking tiers

Rating: 7.6/10

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Capital One Business Checking

Waivable monthly fee + unlimited digital transactions + 70,000+ ATMs; cash-friendly near Cap One/Allpoint or Enhanced's $40k/mo design limit

Monthly fee: Basic $15/mo; Enhanced $35/mo

Checking APY: None — non-interest-bearing on both Basic and Enhanced

Rating: 7.7/10

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Wells Fargo Business Checking

National branch + cash deposits; three-tier fee ladder; Navigate is interest-bearing mid-tier among big banks

Monthly fee: Initiate $15/mo; Navigate $25/mo; Optimize $75/mo (up to 5 linked accounts, +$30 each additional)

Checking APY: Initiate: none. Navigate: location-variable APY (not published nationally — ZIP rate sheet required). Optimize: earnings credit rate, not APY.

Rating: 7.7/10

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Axos Bank Business Checking

Basic = $0 monthly + unlimited items + unlimited domestic ATM rebates. Interest = waivable $10 + declining-tier APY.

Monthly fee: Basic: $0 unconditional. Interest: $10/mo waived if average daily balance ≥ $5,000

Checking APY: Basic: none. Interest: tiered variable — 1.01% ($0–$49,999.99), 0.20% ($50k–$249,999.99), 0.10% ($250k–$4,999,999.99), contact RM at $5M+

Rating: 8.1/10

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nbkc Business Checking

$0 monthly fee + unlimited cash deposits at partner ATMs; bank (not fintech)

Monthly fee: $0 unconditional

Checking APY: None — non-interest-bearing by design

Rating: 8.5/10

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Relay Business Checking

Startup / Profit First multi-account checking — $0 Starter, up to 20 checking buckets, QBO/Xero sync; no APY on checking

Monthly fee: Starter $0; Grow $30; Scale $90 limited-time (list $120). Paid plans billed from designated checking account.

Checking APY: None — non-interest-bearing checking

Rating: 8.3/10

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Mercury Business Banking

Startup / multi-user digital ops — $0 monthly fee, free USD wires & ACH, no cash deposits, 0% checking APY

Monthly fee: $0 on deposit accounts. Optional Plus ~$29.90–$35/mo; Pro $299/mo (software subscriptions, not DDA maintenance)

Checking APY: 0.00% — non-interest-bearing (Column Exhibit 1, Aug 14, 2026)

Rating: 8.6/10

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Grasshopper Innovator Business Checking

No monthly fee + tiered checking APY + 1% debit cash back (balance-gated); digital SMB; weak for cash-heavy retail

Monthly fee: $0 unconditional (complimentary)

Checking APY: Tiered variable: 1.00% APY ($0.01–$24,999.99); 1.35% APY ($25,000–$250,000); 1.00% APY (≥$250,000.01)

Rating: 8.2/10

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Rho Business Banking

Startup / growth-stage digital treasury + $0 wires/ACH + sweep FDIC on savings; no cash, no branches

Monthly fee: $0 unconditional on checking and savings — no paid banking subscription tiers

Checking APY: 0% — non-interest-bearing DDA. Do not treat card cashback or Treasury yield as checking APY.

Rating: 8.7/10

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Novo Business Checking

No monthly fee + invoicing/integrations; online-only; no cash deposits; 0% APY

Monthly fee: $0 unconditional

Checking APY: 0% — non-interest-bearing (fee schedule Annual Percentage Yield 0%)

Rating: 8.0/10

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Found Business Banking

$0 monthly fee + built-in taxes/bookkeeping for self-employed; APY only on paid plans or card-spend bonus

Monthly fee: Found Free $0. Optional Plus $35/mo or $315/yr; Pro $80/mo or $720/yr. No balance waiver required.

Checking APY: Free: 0% ongoing. Yield is monthly Balance bonus labeled APY — variable, paid 1st of following month.

Rating: 8.4/10

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First Internet Bank Do More Business Checking

$0 monthly fee + modest checking APY + unlimited items, online-only, weak cash rails

Monthly fee: $0 unconditional

Checking APY: 0.50% APY variable — requires $10,000 average daily balance to earn interest. Daily Balance method. Below $10k ADB, effectively 0%.

Rating: 7.9/10

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PNC Business Checking

Branch + cash deposits + analyzed treasury for higher-volume businesses; monthly fee waivable but not unconditionally free; no APY on standard checking

Monthly fee: BC $12; Plus $22; Analysis $25; TEP $50. First 3 statement cycles $0 on BC/Plus/TEP.

Checking APY: None on BC, Plus, TEP DDA. Non-interest checking.

Rating: 7.6/10

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U.S. Bank Business Checking

Branch + cash deposits + $0 entry checking; fee-heavy wires/ACH; weak checking APY

Monthly fee: Essentials $0 unconditional; Gold $20; Platinum $30; Premium $34; Nonprofit $0

Checking APY: Essentials and Platinum: none (non-interest). Gold with Interest and Nonprofit: variable ~0.01% APY in aggregators; official rate ZIP-dependent. Premium: ECR not APY.

Rating: 7.8/10

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Live Oak Bank Business Checking

Online U.S. bank checking with waivable monthly fees, unlimited items, Allpoint ATM cash-out, no cash deposits, no checking APY

Monthly fee: Essential $10/cycle if ADB <$1,000; Plus $25/cycle if ADB <$25,000; Analysis $100/mo (offset by earnings credit — rate unpublished)

Checking APY: None — non-interest-bearing on all three current tiers

Rating: 7.6/10

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Brex Business Account

Startup / mid-market treasury + multi-user spend platform; $0 banking fees; no cash/ATM

Monthly fee: $0 banking. Software: Essentials $0/user; Premium $12/user; Enterprise custom.

Checking APY: None — uninvested Checking cash earns no yield

Rating: 8.6/10

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Lili Business Account

Startup/SMB digital checking with $0 Core fee, team access, Green Dot cash, savings APY, and IntraFi sweep to $3M

Monthly fee: Core $0. Pro $15/mo or $144/yr. Smart $35/mo or $336/yr. Premium $55/mo or $528/yr. Subscription fees, not balance-waivable.

Checking APY: None — non-interest-bearing on all tiers

Rating: 8.4/10

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Primis Business Checking

$0 monthly + $1 open; pick 1% debit cash-back or 1.75% checking APY, plus 4.00% business savings — online nationwide, cash only in VA/MD footprint

Monthly fee: $0 unconditional on all three digital products

Checking APY: Unlimited: 0% APY (1% debit cash-back reward). Pro: 1.75% APY on all balances, no tiers, no earnings limit.

Rating: 8.4/10

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Chartway Premium Business Checking

Credit-union business checking with tiered dividends up to 4.00% APY and a $10 fee waived at $2,500 ADB

Monthly fee: $10.00/month

Checking APY: Tiered variable share dividends — progressive bands by balance (site Sep 2026)

Rating: 7.7/10

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Old National Bank Business Checking

Branch + cash deposits; low/no monthly fee with 500-item cap; Midwest/Southeast relationship bank (not high-APY checking)

Monthly fee: Access: $0 on current product page ($3/mo paper statements; eStatements free). Pro: $25/mo OR $0 with $20,000 avg ledger OR $50,000 combined checking+savings+MMA avg ledger.

Checking APY: 0.00% — noninterest-bearing on Access and Pro

Rating: 7.6/10

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North One Business Banking

$0 Standard checking + APY if you spend $500 on the debit card; envelopes + integrations; weak cash / no international wires

Monthly fee: Standard: $0. Plus: $30/month or $300/year. Not balance-waivable. Unpaid Plus cycle → downgrade to Standard.

Checking APY: Standard: 2.50% (rate 2.47%) on first $250,000 ADB. Plus: 3.00% (rate 2.96%) on first $250,000 ADB. Above $250k: 0.00%.

Rating: 8.2/10

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Meow Business Banking

Treasury + high coverage + free wires for startups/funds; not a cash or branch bank

Monthly fee: Marketed $0. CRB published fee schedule: no fees currently imposed (reserves right to add with notice).

Checking APY:

Rating: 8.5/10

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