Small-business checking accounts, compared

Name: Small-business checking accounts, compared (data)
Creator: All Things Compared

Ten business checking accounts that US small businesses can open, compared by monthly fee and how to avoid it, opening deposit and minimums, interest on the checking balance, cash deposits, wire and other fees, who holds the deposits, how to open the account, cards and access, accounting and payroll links, and support. Every figure says which account or plan it covers and the date it was read, interest rates are variable, and statements about deposit insurance are the providers' own words, attributed to them. This page compares published terms and is not advice.

10 options compared · checked Nov 2, 2026 · Markdown · JSON

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Axos Bank

Online

Compare Axos Bank

Axos Bank offers two business checking accounts: Basic Business Checking with no monthly fee and no minimum deposit, and Business Interest Checking at up to 1.01% APY with a $100 opening deposit and a $10 monthly fee below a $5,000 average balance. Both are opened online.

Our read An online bank with a no-fee checking account and a separate interest-bearing checking account; the pages name no cash deposit method outside the account agreement's mention of ATMs.

A $0 monthly fee with no conditions
Interest on the checking balance
Depositing cash
Opening the account entirely online

Monthly fee and how to avoid it: Basic Business Checking: $0 per month ('No monthly maintenance fees'; the agreement lists Monthly Maintenance Fee: None). Business Interest Checking: $10 per month, waived with a $5,000 minimum average daily balance (the agreement says the fee is charged if the average daily balance falls below $5,000). USD. The Business Interest Checking terms are on https://www.axosbank.com/business/business-checking-accounts/business-interest-checking and in the Small Business Deposit Account Agreement and Schedule of Fees (effective September 28, 2026) at https://www.axos.com/documents/disclosure-and-agreements-for-small-business-accounts. Verified · Nov 2, 2026
Opening deposit and minimums: Basic Business Checking: no minimum deposit to open and no minimum balance requirement. Business Interest Checking: $100 minimum opening deposit and a $5,000 average daily balance to avoid the $10 monthly fee. Promotion (not part of the regular terms): a $200 welcome bonus offer on a new Basic Business Checking account with promo code START200 by January 31, 2027, which needs an average daily balance of $3,000 over the first few months, paying up to $50 cashback per calendar month. Opening deposits also in the agreement (effective September 28, 2026). Verified · Nov 2, 2026
Interest on the checking balance: Basic Business Checking is a non-interest-bearing account (per the agreement). Business Interest Checking: 1.01% APY on balances of $0 to $49,999.99, 0.20% from $50,000 to $249,999.99 and 0.10% on higher tiers up to $4,999,999.99; for $5,000,000 or more, call for rates. Axos says the APY is 'accurate as of 11/2/2026', that the rate is variable, tiered, set at its discretion, may change as often as daily without notice, and that fees may reduce earnings. Read 2026-11-02; the page date is the page's own footnote. The Basic account wording is from the agreement. Verified · Nov 2, 2026

What isn't clear from public sources

The product pages do not name where cash can be deposited or its cost. The account agreement mentions cash deposits at ATMs and branches in California and Nevada, while the business pages say there are no branches. The $200 welcome bonus on the pages is a promotion that ends January 31, 2027.

Bank of America

Bank of America financial centers, ATMs and online

Compare Bank of America

Bank of America Business Advantage Fundamentals Banking lists a $16 monthly fee that is not charged until the 13th statement cycle closes, then $0 in any cycle that meets one of three conditions. The fee schedule calls the account non-interest-bearing, and cash is taken at ATMs and financial centers. Bank of America says business checking accounts can be opened online, though some business types may need an in-person visit.

Our read A financial-center, ATM and online account for US-based sole proprietors, LLCs, corporations and other entity types, with a first-12-months fee holiday, a $16 monthly fee after that unless a balance, card-spend or Preferred Rewards condition is met, and no interest on the balance.

Depositing cash

Monthly fee and how to avoid it: Business Advantage Fundamentals Banking (base account; Bank of America describes it as for new and smaller businesses with simple banking needs): $16.00 per month. Introductory period: the monthly fee is not assessed until the thirteenth statement cycle closes (the checking page says no monthly fee for the first 12 months). After that the $16 fee is $0 in any statement cycle in which ONE of these is met: a $5,000 combined average monthly balance in eligible linked business deposit accounts (Business Economy Checking, Business Interest Checking, Business Advantage Savings, a Business Investment Account and Business CDs can be linked); at least $500 in new net qualified purchases on a linked Bank of America business debit card (employee card purchases count; ATM transactions, refunds, cash-like items, account funding and pending items do not; purchases must be on one debit account); or membership in Preferred Rewards for Business for the first 4 checking accounts per enrolled business (enrollment needs a qualifying balance of at least $20,000 for the Gold tier, $50,000 for Platinum or $100,000 for Platinum Honors across qualifying Bank of America business deposit accounts and/or Merrill business investment accounts). The other tier, Business Advantage Relationship Banking, is $29.95 per month (not assessed until the third statement cycle closes), $0 with a $15,000 combined average monthly balance or Preferred Rewards for Business membership. Business Schedule of Fees PDF, 'Effective February 20, 2026, Applies in all states' (Banking Solutions, printed pages 2 to 3, and Other Account Information, printed page 10). The checking page https://business.bankofamerica.com/en/deposits/checking-accounts shows '$0 or $16 monthly fee' and the same three conditions after 12 months, and the Fees at a Glance page shows 'No fee for 12 months, then $16/month'. Verified · Nov 2, 2026
Opening deposit and minimums: Opening deposit: the web FAQ says business checking accounts need no minimum deposit and can be opened without depositing funds, while the Clarity Statement for the account lists an opening deposit of $100 or more and the fee schedule says most banking and savings accounts can be opened with a deposit of $100 or more. An account that is not funded within 45 business days of opening is closed (365 business days if the client is enrolled in a Business Banking Solution and/or keeps a primary or linked business checking account). Minimum balance: none is stated for the account itself; the $5,000 combined average monthly balance is one of three ways to avoid the $16 fee after the introductory period. Required activity: none stated beyond those fee conditions; the first 20 checks paid, other debits and deposited items per statement cycle have no charge. Promotion on the checking page: up to a $2,500 cash bonus for new business checking clients who make and maintain New Money Deposits (terms are on a separate offer page). Web FAQ on the checking page (undated). The $100 wording is from the Fundamentals Clarity Statement https://www.bankofamerica.com/smallbusiness/deposits/business-advantage-banking/Business_Advantage_Fundamentals_Banking_Clarity_Statement_ADA.pdf ('current as of 05/2025') and the Business Schedule of Fees PDF effective February 20, 2026. Verified · Nov 2, 2026
Interest on the checking balance: Bank of America's fee schedule describes Business Advantage Fundamentals Banking as a non-interest-bearing account, and no rate or APY is listed for it. (Interest-bearing business accounts, such as Business Advantage Savings, are separate products.) Business Schedule of Fees PDF, Effective February 20, 2026, page 2. The Business Advantage Savings account is described there as interest bearing with a variable rate. Verified · Nov 2, 2026

What isn't clear from public sources

The pages read give no count or list of Bank of America financial centers or the states served, no ACH fee line in the fee schedule, no prices for check orders, and hours for the 888.BUSINESS line are not stated. The web FAQ says no minimum deposit is needed to open an account while the Clarity Statement and fee schedule say a $100 opening deposit; the Fees at a Glance web page says wire fees vary while the PDF fee schedule lists amounts. The terms of the up to $2,500 new-client bonus sit on a separate offer page that was not read.

Bluevine

Online

Compare Bluevine

Bluevine Business Checking has a $0 Standard plan with no minimum balance, paying 1.3% APY on balances up to $250,000 when a monthly activity goal is met. Paid Plus ($30) and Premier ($95) plans raise the APY. Cash can be deposited at Allpoint+ ATMs and Green Dot retailers for a fee.

Our read An online account for sole proprietorships, LLCs, corporations and partnerships with a $0 Standard plan, interest on checking balances and cash deposits through partner ATMs and retailers for a fee.

A $0 monthly fee with no conditions
Interest on the checking balance
Depositing cash
Opening the account entirely online

Monthly fee and how to avoid it: Standard: $0 per month, with no monthly fee, no overdraft fees and no minimum balance (the page names no condition for the $0 fee). Plus: $30 per month, waived with an average daily balance of at least $20,000 across checking and sub-accounts plus at least $2,000 of Bluevine Business Debit Mastercard spending each billing period. Premier: $95 per month, waived with at least $100,000 average daily balance and at least $5,000 of card spending each billing period. Plus and Premier have a one-month trial without the fee. USD per month, US site. The page is undated and shows a 2026 copyright. Verified · Nov 2, 2026
Opening deposit and minimums: No minimum balance requirement on Standard and no minimum opening deposit is stated on the pages read. Fee waivers on Plus and Premier need minimum balances and card spend. Treasury services need a $50,000 minimum balance on Standard and Plus and have no minimum on Premier. Standard's APY needs monthly activity (see Interest). The no-minimum-balance wording is also on https://www.bluevine.com/business-checking. Verified · Nov 2, 2026
Interest on the checking balance: Checking APY by plan: Standard 1.3% APY on balances up to $250,000, earned when you spend $500 or more a month with the Bluevine Business Debit Mastercard or receive or deposit $2,500 or more a month in customer payments; Plus 1.75% APY on balances up to $250,000, with no requirements to earn it; Premier 3.0% APY on all balances, with no requirements to earn it. Bluevine says rates and terms are subject to change. Read 2026-11-02 from the page, whose calculator note says Standard earns its rate only if monthly activity goals are met. The page does not use the word variable in the text read, and shows no 'as of' date. Verified · Nov 2, 2026

What isn't clear from public sources

The pages read give no phone hours, no opening deposit and no branch. The Standard plan's 1.3% APY needs $500 of monthly debit card spending or $2,500 of monthly customer payments received. Plus and Premier monthly fees are waived only with balance and spending minimums.

Chase

Chase branches and ATMs (it states 5,000 branches and more than 14,000 ATMs) and online

Compare Chase

Chase Business Complete Banking has a $15 monthly service fee that is $0 in a statement period when one of five conditions is met, such as a $2,000 minimum daily ending balance. Chase's fee schedule says the account earns no interest. Cash is taken at Chase ATMs and branches, and sole proprietorships, single-member LLCs and privately held corporations can apply online while other structures apply at a branch.

Our read A branch-and-ATM account for sole proprietorships, LLCs and corporations, with a $15 monthly fee that has five published ways to reach $0, per-item fees on teller activity and wires, and no interest on the balance.

Depositing cash

Monthly fee and how to avoid it: Chase Business Complete Banking (base account; the other tiers on Chase's checking page are Chase Performance Business Checking at $40 per month and Chase Platinum Business Checking at $95 per month, each with its own waiver rules): $15 per month. The $15 Monthly Service Fee is $0 in a statement period when any ONE of these is met: a minimum daily ending balance of at least $2,000 in the account each business day of the period (the last day of the period is excluded); at least $2,000 of eligible deposits into the account from Chase QuickAccept, InstaMed or other eligible Chase Payment Solutions products; at least $2,000 of eligible purchases on a Chase Ink or Chase Sapphire Reserve for Business card in the latest card billing cycle; a linked Chase Private Client Checking, JPMorgan Classic Checking or Private Client Checking Plus account (the owner of the personal account must be a direct owner of the business and a signer on the business account); or meeting Chase Military Banking requirements. New-account courtesy: the first two Monthly Service Fees on a new account are waived or refunded. The statement period ends on the last business day of each month. Fee schedule PDF 'Additional Banking Services and Fees for Business Accounts', Effective 06/14/2026 (business product information, pages 1 and 14). The product page https://www.chase.com/business/banking/checking/business-complete-banking is undated and shows the same $15 fee and five waiver routes; the $40 and $95 tiers are from the same PDF and https://www.chase.com/business/banking/checking. Verified · Nov 2, 2026
Opening deposit and minimums: No minimum deposit is required to open a Business Complete Banking account (Chase FAQ); a new customer is told to add funds within 60 days of opening. The account sets no minimum balance of its own: a $2,000 minimum daily ending balance is one of the five ways to waive the $15 monthly fee. No required activity is stated beyond the fee-waiver routes. Teller and paper-check activity is counted: the first 20 deposits and withdrawals made with a banker, and paper checks written on the account, per month have no charge, then $0.50 each from the 21st. FAQ on the product page (undated). The 60-day funding wording is also on https://www.chase.com/business/support/banking/new-business-account; the item counts are from the fee schedule PDF, Effective 06/14/2026. Verified · Nov 2, 2026
Interest on the checking balance: Chase's fee schedule states that Chase Business Complete Checking does not earn interest, and lists no rate or APY for it. (The schedule lists variable, interest-bearing versions only for other products, such as Chase Performance Business Checking with Interest.) Fee schedule PDF, Effective 06/14/2026, business product information page 2. No rate table for the base account was read on the product pages. Verified · Nov 2, 2026

What isn't clear from public sources

The pages read give no hours for the business customer service phone line, no list of the states where Chase has branches (the disclosures page says products and features may vary by location and asks for a ZIP code, which was not entered), no accounting software by name, and nothing on virtual debit cards or digital wallets. The fee schedule PDF was opened by its direct address, not through the ZIP-code form on the disclosures page; it names itself 'Additional Banking Services and Fees for Business Accounts' and shows an effective date of 06/14/2026. No opening bonus appeared on the pages read.

Found

Online

Compare Found

Found's business checking account has no monthly account fee and no minimum balance, and is opened online. Interest of 1.50% APY (up to $20,000) or 2.50% APY is stated only for the paid Found Plus ($35 per month) and Found Pro ($80 per month) plans. Cash is deposited at retail locations for $2.

Our read An online account for sole proprietors, LLCs, corporations and partnerships with no monthly fee on the free plan, a $2 cash deposit through retail locations and interest only on the paid plans.

A $0 monthly fee with no conditions
Interest on the checking balance
Depositing cash
Opening the account entirely online

Monthly fee and how to avoid it: Found (free plan): $0 per month; the pricing page says Found has no monthly account maintenance fees and no required minimum balance, and names no condition for that. Optional paid plans: Found Plus $35 per month or $315 per year; Found Pro $80 per month or $720 per year (each with a free 30-day trial, then charged from the Found balance). USD, US site. A $10 dormancy fee applies if the account is dormant for 12 consecutive months (fee schedule, last updated July 13, 2026). Verified · Nov 2, 2026
Opening deposit and minimums: No required minimum balance and no fees for opening the account (fee schedule). An opening deposit amount is not stated on the pages read. A $10 dormancy fee applies if the account is dormant for twelve consecutive months. Interest tiers: Found Plus earns on balances up to $20,000; Found Pro on all balances. Fee schedule 'Last Updated: July 13, 2026'. The no-minimum wording is also on https://found.com/pricing and https://found.com/faq. Verified · Nov 2, 2026
Interest on the checking balance: Interest is stated only for paid plans: Found Plus ($35 per month or $315 per year) earns 1.50% APY (variable) on balances up to $20,000; Found Pro ($80 per month or $720 per year) earns 2.50% APY (variable) on all balances with no cap. The free Found plan lists no APY. Found says it calculates the APY from the average of end-of-day balances for each day you were a paid member. Read 2026-11-02. The page says APY is variable and subject to change. The calculation wording is from https://found.com/faq. Verified · Nov 2, 2026

What isn't clear from public sources

The pages read do not name accounting-software integrations other than importing transactions on paid plans and Stripe for invoice payments. They do not give hours for human phone support or an opening deposit amount. A $10 dormancy fee applies after 12 months without activity.

Lili

Online

Compare Lili

Lili Core business checking has a $0 monthly fee with no minimum deposit and is opened online. Paid plans cost $15, $35 or $55 a month. Lili's account agreement says its checking accounts are non-interest-bearing; the 2.25% to 4.00% APY on its pages is for a savings account.

Our read An online account for sole proprietors, LLCs, corporations, partnerships and US non-profits with a $0 Core plan and cash deposits at Green Dot merchants, without interest on checking.

A $0 monthly fee with no conditions
Depositing cash
Opening the account entirely online

Monthly fee and how to avoid it: Lili Core: $0 per month (the plans page and fee schedule name no condition for the $0 fee). Paid plans, each with a 30-day free trial: Lili Pro $15 per month or $144 per year ($9 per month for the first 3 months promotion shown); Lili Smart $35 per month or $336 per year ($21 per month for 3 months promotion); Lili Premium $55 per month or $528 per year ($33 per month for 3 months promotion). BusinessBuild add-on: $30 per month after a promotional $18 per month for 3 months. Annual and monthly amounts are from the master fee schedule inside the account agreement, 'Effective as of July 2, 2025' (https://lili.co/legal-documents/sunrise-account-agreement). The plans page is undated and shows a 2026 copyright. Verified · Nov 2, 2026
Opening deposit and minimums: No minimum deposit ('No minimum deposit' on the plans page) and no minimum balance requirement to open an account (account agreement). The agreement reserves the right to close an account with a zero balance or no transaction activity for at least 180 days. Lili says it charges no card inactivity fee and the fee schedule lists a $0.00 dormant account fee. Sunrise Banks account agreement, section 3.3, and Appendix A (Master Fee Schedule, effective July 2, 2025). Verified · Nov 2, 2026
Interest on the checking balance: The account agreement says the Lili Core, Pro, Smart and Premium accounts 'feature non-interest-bearing checking accounts'. Interest is stated only for the separate Lili Savings Account: 2.25% APY on balances up to and including $500,000 and 4.00% APY on balances over $500,000 up to $1,000,000, variable and 'effective as of January 13, 2026' per the plans page footnote. Section 3.4. The savings APY is not an interest rate on checking. Verified · Nov 2, 2026

What isn't clear from public sources

The plans page has a footnote about a $1,000 limit and retailer fees of up to $4.95 that it does not tie to a named feature. The savings APY on the pages is disclosed as effective January 13, 2026. The master fee schedule is dated July 2, 2025.

Mercury

Online

Compare Mercury

Mercury business checking has a $0 monthly fee and no minimum balance, is opened online and has no branches. Its pages say it does not take cash deposits and list no interest rate for the checking account.

Our read An online account for US-registered LLCs, corporations and partnerships with no monthly fee, ACH and domestic wires at $0, and no cash deposits.

A $0 monthly fee with no conditions
Opening the account entirely online

Monthly fee and how to avoid it: Mercury (base account): $0 per month. The pricing page says banking services and essential tools are always $0 per month, and its FAQ says there are no required monthly fees, minimum balance requirements, overdraft fees or account opening fees. Optional paid plans: Mercury Plus $35 per month billed monthly ($29.90 per month on the page's annual view, labelled 'Annual Pricing (15% off)'); Mercury Pro $350 per month billed monthly ($299 per month on the annual view). Add-ons shown as waived until Dec 31, 2026 (promotion): Mercury Books $35 per month; Mercury Payroll $100 per month plus $50 per person paid per month. The monthly and annual prices were read by switching the page's billing switch, which only changes the displayed prices. The page is undated. Verified · Nov 2, 2026
Opening deposit and minimums: No minimum account balance requirement and no account opening fee (Mercury FAQ). No opening deposit amount is stated on the pages read; the help centre says to deposit funds to start using the account. Mercury Treasury, a separate investment product, is shown as unlocked with a $250K Mercury balance. FAQ wording on the same page; the Treasury threshold is in the page's footnote and FAQ. The help centre article on deposits is https://support.mercury.com/hc/en-us/articles/28770701024020-Depositing-money-overview. Verified · Nov 2, 2026
Interest on the checking balance: The pricing page states no APY or interest rate for the business checking account. It lists Mercury Treasury (offered by Mercury Advisory, LLC, an SEC-registered investment adviser; 'yield subject to investment risk') at 'Earn up to 4.10% yield' for eligible customers with a $250K Mercury balance, which is a separate product, not the checking account. Read on 2026-11-02. The yield is not labelled variable or fixed on the page. Verified · Nov 2, 2026

What isn't clear from public sources

The pages read give no APY for the checking account, state that cash cannot be deposited and list no phone line. Sole proprietorships are not supported. Mercury's paid plans and add-ons are optional; the add-on prices are shown as waived only until 2026-12-31.

NBKC Business

Online, with branches in the Kansas City area

Compare NBKC Business

The nbkc Business Account has no monthly fee, no minimum balance and no opening deposit, and is opened online in under 10 minutes. nbkc says cash deposits are unlimited and free in person or at eligible ATMs. Its fee schedule calls the checking account non-interest-bearing.

Our read An online bank account with no monthly fee, free cash deposits in person (branches in the Kansas City area) or at eligible ATMs, phone and chat support on weekdays and no interest on checking.

A $0 monthly fee with no conditions
Depositing cash
Opening the account entirely online

Monthly fee and how to avoid it: nbkc Business Account: $0 per month. The fee schedule lists a $0 monthly account service fee, $0 minimum balance fee, $0 overdraft fee and $0 inactivity fee, and the page names no condition for the $0 fee. USD, US site. The fee schedule is at https://www.nbkc.com/legal-notices/disclosures/BusinessFeeSchedule (it redirects to a PDF that says 'effective as of November 15th, 2024'). Verified · Nov 2, 2026
Opening deposit and minimums: $0 required to open and $0 minimum balance ('no minimum deposit, no funding requirement' for opening online). The fee schedule lists a $0 minimum balance fee. Fee schedule PDF: 'effective as of November 15th, 2024'. Verified · Nov 2, 2026
Interest on the checking balance: No interest on checking: the fee schedule describes the Business Checking Account as a 'non-interest-bearing account' and lists interest-bearing business money market and high yield savings accounts separately. The checking page states no APY. The URL redirects to the PDF 'effective as of November 15th, 2024'. Verified · Nov 2, 2026

What isn't clear from public sources

The pages read do not name the ATMs where cash can be deposited, and the fee schedule PDF is marked effective November 15, 2024. They name no accounting-software integration, and the pages show no coverage amount for deposits.

Novo

Online

Compare Novo

Novo's business checking account has no monthly fee, no minimum balance and no transaction limits, and is opened online. Its fee schedule lists a 0% APY, and its help centre says cash cannot be deposited.

Our read An online account for sole proprietors, LLCs, partnerships and corporations with no monthly fee, a monthly ATM-fee reimbursement of up to $7 and no cash deposits or interest.

A $0 monthly fee with no conditions
Opening the account entirely online

Monthly fee and how to avoid it: Novo Business Checking: $0 per month. The fee schedule lists a monthly service charge of $0.00 and a minimum balance of $0.00, and Novo's page says there is no monthly maintenance fee and no minimum balance requirement. The page names no condition for the $0 fee. USD, US site. The PDF fee schedule (https://cdn.sanity.io/files/qbkov2y8/production/0b3a32cb4c2895b05a427104d3b9360ef7ef90b8.pdf) says 'Last Revised: February 26, 2026'; the web page https://www.novo.co/legal/fee-schedule is dated September 13, 2026. Verified · Nov 2, 2026
Opening deposit and minimums: Minimum balance $0.00. The fee schedule lists an initial deposit of $1,000.00 under an advisory label; it does not state that an opening deposit is required. Early account closing fee $0.00. The Novo page says no transaction limits. Fee schedule 'Last Revised: February 26, 2026'. The no-minimum wording is also on https://www.novo.co/business-checking/no-fee-checking. Verified · Nov 2, 2026
Interest on the checking balance: The fee schedule lists an Annual Percentage Yield of 0%. The pages read state no interest rate above 0% for the checking account. Fee schedule 'Last Revised: February 26, 2026'. Verified · Nov 2, 2026

What isn't clear from public sources

The fee schedule shows a $1,000 initial deposit as an advisory amount but states a $0 minimum balance. Outgoing domestic wires are listed as 'up to $45.00'. The pages read give no phone line and no support hours.

Relay

Online

Compare Relay

Relay's Starter plan has a $0 monthly fee with up to 20 checking accounts per business, opened online with no branches. Cash can be added at Allpoint+ ATMs and Green Dot Network retailers. The 1.19% APY on its pricing page is for savings accounts, not checking.

Our read An online account for LLCs, corporations, general partnerships and sole proprietors with no monthly fee on the Starter plan, up to 20 checking accounts and cash deposits at partner ATMs and retailers.

A $0 monthly fee with no conditions
Depositing cash
Opening the account entirely online

Monthly fee and how to avoid it: Relay Starter: $0 per month (the pricing page names no condition for it). Grow: $30 per month (14-day trial). Scale: $90 per month, shown as a limited-time discount from $120 per month (14-day trial). Per-plan differences are in savings APY, cash back on credit cards, number of checking accounts (20 on Starter and Grow, 50 on Scale) and transaction fees. Prices are USD per month as displayed; the page is undated and says its interest rates are accurate as of 9/17/2026. Verified · Nov 2, 2026
Opening deposit and minimums: The pricing page says 'No minimum balance. No hidden or overdraft fees.' An opening deposit amount is not stated on the pages read. Writing third-party paper checks requires funding the account with a minimum of $100 (FAQ). The $100 figure is from https://relayfi.com/faqs/. Verified · Nov 2, 2026
Interest on the checking balance: The pages read state no APY or interest rate for Relay's checking accounts. Interest is stated for the two savings accounts per business: 1.19% APY on Starter, 1.87% on Grow and 3.21% on Scale, which Relay says are accurate as of 9/17/2026 and variable, subject to change with the Federal Funds target range, and that fees may reduce earnings. The savings rates are not an interest rate on checking. Verified · Nov 2, 2026

What isn't clear from public sources

The pages read state an APY for Relay's savings accounts only, not for checking. They do not list a phone number for Starter, give hours for chat or support, or state an opening deposit. The $90 Scale price is shown as a limited-time discount from $120.

Full comparison table

Small-business checking accounts, compared: every option, with each fact's status and checked date
Name	Monthly fee and how to avoid it	Opening deposit and minimums	Interest on the checking balance	Cash deposits	Wire, transfer and other fees	Who holds the deposits and what the provider says about FDIC insurance	Opening the account	Cards, checks and access	Accounting, payment and payroll links	Support and branches
Axos Bank	Basic Business Checking: $0 per month ('No monthly maintenance fees'; the agreement lists Monthly Maintenance Fee: None). Business Interest Checking: $10 per month, waived with a $5,000 minimum average daily balance (the agreement says the fee is charged if the average daily balance falls below $5,000). USD. The Business Interest Checking terms are on https://www.axosbank.com/business/business-checking-accounts/business-interest-checking and in the Small Business Deposit Account Agreement and Schedule of Fees (effective September 28, 2026) at https://www.axos.com/documents/disclosure-and-agreements-for-small-business-accounts. Verified · Nov 2, 2026	Basic Business Checking: no minimum deposit to open and no minimum balance requirement. Business Interest Checking: $100 minimum opening deposit and a $5,000 average daily balance to avoid the $10 monthly fee. Promotion (not part of the regular terms): a $200 welcome bonus offer on a new Basic Business Checking account with promo code START200 by January 31, 2027, which needs an average daily balance of $3,000 over the first few months, paying up to $50 cashback per calendar month. Opening deposits also in the agreement (effective September 28, 2026). Verified · Nov 2, 2026	Basic Business Checking is a non-interest-bearing account (per the agreement). Business Interest Checking: 1.01% APY on balances of $0 to $49,999.99, 0.20% from $50,000 to $249,999.99 and 0.10% on higher tiers up to $4,999,999.99; for $5,000,000 or more, call for rates. Axos says the APY is 'accurate as of 11/2/2026', that the rate is variable, tiered, set at its discretion, may change as often as daily without notice, and that fees may reduce earnings. Read 2026-11-02; the page date is the page's own footnote. The Basic account wording is from the agreement. Verified · Nov 2, 2026	The product pages and fee schedule name no cash deposit method and no cash deposit fee. The Small Business Deposit Account Agreement's funds-availability section says deposits at non-Axos ATMs 'by cash or check' are made available no later than the fifth business day, lists cutoff times for Axos Bank ATMs and for branch deposits in California and Nevada (stating Nevada 'does not accept cash transactions'), and asks customers not to mail cash. The business pages say Axos has no branches. Agreement effective September 28, 2026, Funds Availability section. The ATM locator link is on https://www.axosbank.com/business/business-checking-accounts. Not confirmed on a product page. Verified · Nov 2, 2026	Schedule of fees (effective September 28, 2026): incoming domestic and international wires free; outgoing domestic wire $15.00 and outgoing international wire $50.00 (Basic Business Checking reimburses two outgoing domestic wires a month); debit card and ATM transactions free (other institutions may charge) with unlimited domestic ATM fee reimbursements; Visa debit foreign currency conversion rate 1%; non-sufficient or uncollected funds item $25.00 (maximum $75.00 per day, no fee if the negative balance is less than the fee); stop payment $10.00 online or $35.00 with assistance; deposited item returned unpaid $10.00; paper statement $5.00; official check $10.00; check orders at cost; Basic Business Checking has unlimited transaction processing. Business Interest Checking charges $0.50 per item over 100 items a month. PDF 'Small Business Deposit Account Agreement and Schedule of Fees', effective September 28, 2026. Verified · Nov 2, 2026	Axos Bank states that all deposit accounts through Axos Bank brands are FDIC insured through Axos Bank (FDIC Certificate 35546), and that its business checking accounts are insured up to $250,000 for individual accounts and up to $500,000 for joint accounts, with expanded coverage of up to $265 MM available through the Axos Bank Insured Cash Sweep through IntraFi Network Deposits. Axos is the bank itself; no partner bank is named. FAQ and footer wording; certificate number from https://www.axosbank.com/customer-support. This page states no coverage amount in its own voice. Provider claim · Nov 2, 2026	Apply online; Axos says the entire process can be done online and 'there is no need to go to a brick-and-mortar location'. Needed: Employer Identification Number, Social Security number if a sole proprietor, ownership agreements, business license and articles of incorporation or organization. Basic Business Checking has no minimum opening deposit; Business Interest Checking needs $100. Wording from the FAQ on each page. Entity types are not listed beyond sole proprietors and incorporated or organized businesses. Verified · Nov 2, 2026	Business debit card (the first is free; Visa debit foreign currency conversion rate 1%), unlimited domestic ATM fee reimbursements, Axos All-In-One Mobile App (view business and personal accounts, wires, bill pay, transfers), online banking, Remote Deposit Anywhere for up to 60 items, image statements, bill pay (basic on Basic Business Checking) and check orders at cost. No branches are listed on the business pages. Card fee wording and remote deposit limit are from the agreement (effective September 28, 2026). Verified · Nov 2, 2026	Syncing with QuickBooks and Quicken accounting software; an accounting software integration in the app; merchant services, payroll, SBA loans and treasury management are listed as other business services. QuickBooks wording also on https://www.axosbank.com/business/business-checking-accounts/basic-business-checking. Verified · Nov 2, 2026	One phone number, 844-678-2726, answered 24/7 for business banking; Relationship Managers are reachable Monday to Friday, 6 a.m. to 6 p.m. PT, and after hours, weekends and holidays Axos says it is available for fraud alerts, card services and urgent assistance. No branches are listed on the business pages. Business Support page: https://www.axosbank.com/customer-support. Verified · Nov 2, 2026
Bank of America	Business Advantage Fundamentals Banking (base account; Bank of America describes it as for new and smaller businesses with simple banking needs): $16.00 per month. Introductory period: the monthly fee is not assessed until the thirteenth statement cycle closes (the checking page says no monthly fee for the first 12 months). After that the $16 fee is $0 in any statement cycle in which ONE of these is met: a $5,000 combined average monthly balance in eligible linked business deposit accounts (Business Economy Checking, Business Interest Checking, Business Advantage Savings, a Business Investment Account and Business CDs can be linked); at least $500 in new net qualified purchases on a linked Bank of America business debit card (employee card purchases count; ATM transactions, refunds, cash-like items, account funding and pending items do not; purchases must be on one debit account); or membership in Preferred Rewards for Business for the first 4 checking accounts per enrolled business (enrollment needs a qualifying balance of at least $20,000 for the Gold tier, $50,000 for Platinum or $100,000 for Platinum Honors across qualifying Bank of America business deposit accounts and/or Merrill business investment accounts). The other tier, Business Advantage Relationship Banking, is $29.95 per month (not assessed until the third statement cycle closes), $0 with a $15,000 combined average monthly balance or Preferred Rewards for Business membership. Business Schedule of Fees PDF, 'Effective February 20, 2026, Applies in all states' (Banking Solutions, printed pages 2 to 3, and Other Account Information, printed page 10). The checking page https://business.bankofamerica.com/en/deposits/checking-accounts shows '$0 or $16 monthly fee' and the same three conditions after 12 months, and the Fees at a Glance page shows 'No fee for 12 months, then $16/month'. Verified · Nov 2, 2026	Opening deposit: the web FAQ says business checking accounts need no minimum deposit and can be opened without depositing funds, while the Clarity Statement for the account lists an opening deposit of $100 or more and the fee schedule says most banking and savings accounts can be opened with a deposit of $100 or more. An account that is not funded within 45 business days of opening is closed (365 business days if the client is enrolled in a Business Banking Solution and/or keeps a primary or linked business checking account). Minimum balance: none is stated for the account itself; the $5,000 combined average monthly balance is one of three ways to avoid the $16 fee after the introductory period. Required activity: none stated beyond those fee conditions; the first 20 checks paid, other debits and deposited items per statement cycle have no charge. Promotion on the checking page: up to a $2,500 cash bonus for new business checking clients who make and maintain New Money Deposits (terms are on a separate offer page). Web FAQ on the checking page (undated). The $100 wording is from the Fundamentals Clarity Statement https://www.bankofamerica.com/smallbusiness/deposits/business-advantage-banking/Business_Advantage_Fundamentals_Banking_Clarity_Statement_ADA.pdf ('current as of 05/2025') and the Business Schedule of Fees PDF effective February 20, 2026. Verified · Nov 2, 2026	Bank of America's fee schedule describes Business Advantage Fundamentals Banking as a non-interest-bearing account, and no rate or APY is listed for it. (Interest-bearing business accounts, such as Business Advantage Savings, are separate products.) Business Schedule of Fees PDF, Effective February 20, 2026, page 2. The Business Advantage Savings account is described there as interest bearing with a variable rate. Verified · Nov 2, 2026	Yes. Cash can be deposited at a Bank of America ATM or at a financial center. Cash Deposit Processing Fee: no fee for the first $5,000 in cash deposited per statement cycle, then $0.30 per $100 deposited above that (amounts are rounded to the nearest $100: under $50 down, $50 or more up); the fee posts to the next statement or the one after. Bank of America says deposits and payments may not be available at some ATMs. A Business Deposit Card lets couriers, runners or employees make cash and check deposits at any Bank of America ATM 24/7 without withdrawing cash or seeing balances. The Clarity Statement says cash deposits are available on the day received. Business Schedule of Fees PDF, Effective February 20, 2026 (account table on page 2, ATM fees on page 6, About the Cash Deposit Processing Fee on page 10). The same fee wording is on https://www.bankofamerica.com/smallbusiness/deposits/resources/fees-at-a-glance/; the Business Deposit Card description is on https://business.bankofamerica.com/en/deposits/checking-accounts/debit-cards. Verified · Nov 2, 2026	Fee schedule, Business Advantage Fundamentals Banking: the first 20 checks paid, other debits and deposited items per statement cycle have no charge, then $0.45 per item; the excess-transaction fee does not apply to debit card transactions, electronic debits, or checks deposited through Mobile Check Deposit, a Bank of America ATM or Remote Deposit Online. The schedule lists no separate ACH fee line. Wires: domestic outgoing $30; domestic incoming $15; international outgoing in U.S. dollars $45; international outgoing in foreign currency no wire fee but exchange-rate markups apply; international incoming $15 (other banks' fees may also apply). Overdraft Item Fee $10 per item, at most 2 per day, not charged on ATM transactions, items or overdrafts of $1 or less, items authorized when funds were available, or accounts set to Decline All; when an item is declined or returned unpaid for insufficient funds Bank of America charges no fee, though the payee may. Stop payment $30 per request. Deposited Item Recleared (optional service) $14 per item. ATM: no fee at Bank of America ATMs; $2.50 at a non-Bank of America ATM in the U.S. and $5.00 outside the U.S. (the ATM operator's fee may also apply); non-Bank of America teller withdrawal fee the greater of $5.00 or 3%, up to $10.00; international transaction fee 3% of the U.S. dollar amount for purchases in a foreign currency, $0 for U.S. dollar transactions; rush card replacement $15, standard card replacement no fee. Statement and check copies no fee; check orders vary by style; check cashing for a payee who is not a Bank of America relationship customer $8.00 per check. Business Schedule of Fees PDF, Effective February 20, 2026 (pages 2 and 6 to 9). The Fees at a Glance web page https://www.bankofamerica.com/smallbusiness/deposits/resources/fees-at-a-glance/ shows 'Fee varies' for wires and the same other amounts; wire amounts here are from the PDF and the Clarity Statement. Verified · Nov 2, 2026	Bank of America states that deposit products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation; its fee schedule is marked 'Bank of America, N.A. Member FDIC'. Bank of America, N.A. is the bank named as providing the deposit products. No coverage amount is stated on the pages read. Product disclosure footnote 1 on the checking page (undated); the Member FDIC line is also on the Business Schedule of Fees PDF effective February 20, 2026. Provider claim · Nov 2, 2026	Online, by phone (866.283.4075, per the checking page) or at a financial center. Bank of America's FAQ says business checking accounts can be opened online without visiting a financial center, although more verification or documents may be needed and some complex business types may require an in-person visit; same-day opening is possible in many cases. Application pages are listed for limited liability companies, sole proprietorships, corporations, limited partnerships, general partnerships, unincorporated associations, professional associations and professional corporations. The business must be formed in and based in the U.S.; foreign business customers cannot apply, and applicants should be U.S. residents with at least 25% ownership. Asked at application: business name and address, country and state of formation, EIN or Social Security number, country and state of primary operation, date established, and SSN and date of birth for everyone on the application including owners of 25% or more and the controlling manager; applicants authorize a credit report and agree to electronic account servicing. If the business cannot be verified, Bank of America may request documents (LLC: Articles of Organization, Certificate of Organization or Certificate of Formation; sole proprietorship: a business license; a trade-name or DBA filing if the business uses another name, not required in KS, NM and SC), due within 11 days of applying or the application is declined. Eligibility and documents vary by ownership type and state. If a business address is in a state with no financial center, the fee schedule says the account may be opened as if in Florida. Checking page FAQ (undated). Requirements are from https://business.bankofamerica.com/en/deposits/checking-accounts/limited-liability-company-application-requirements and the matching sole-proprietorship and corporation pages; the Florida wording is from the Business Schedule of Fees PDF effective February 20, 2026. Verified · Nov 2, 2026	Business debit card (the page says it carries the Visa and Mastercard logo) with a $0 Liability Guarantee, delivered in about 5 to 7 business days; a Digital Card for Debit that can be used right away for online purchases and in person once added to a digital wallet (needs a physical card ordered; not all clients are eligible); business employee debit cards with spending and ATM limits set by the owner; a Business Deposit Card for deposits only. Up to 15 checking and savings accounts can be linked to one debit card. Checks can be ordered (price varies by style) and reordered in Online Banking. Business Advantage 360 online banking (no fee to enroll) with bill pay, account alerts, 24/7 account access and profile linking of personal and business accounts under one login; Mobile Banking app (select devices); mobile check deposit; Remote Deposit Online; Zelle for business. Bank of America ATMs for deposits, withdrawals and transfers. Checking page features and footnotes 8, 9 and 13 (undated). Card details are from https://business.bankofamerica.com/en/deposits/checking-accounts/debit-cards and the Fundamentals Clarity Statement (current as of 05/2025). Verified · Nov 2, 2026	QuickBooks: Bank of America lists an integration; Online Banking syncs transactions automatically with QuickBooks Online or downloads them to QuickBooks Desktop, and QuickBooks must be bought separately from Intuit. Connected Apps in Business Advantage 360 shows Bank of America and other-bank accounts together with QuickBooks Online and ADP Payroll; app categories listed are payments and eCommerce, social marketing, accounts and productivity, and customer engagement (individual apps are not named on the page read). Payroll options named by Bank of America: ADP (RUN Powered by ADP) and QuickBooks Online Payroll, both provided by those companies. Zelle for business. Connected Apps page (undated). QuickBooks sync wording is from https://www.bankofamerica.com/smallbusiness/online-banking/ and payroll partners from https://www.bankofamerica.com/smallbusiness/online-banking/payroll/. Verified · Nov 2, 2026	Account-opening phone line 866.283.4075, Mon-Fri 8 a.m. to 10 p.m. ET (application page); small business banking line 888.BUSINESS (888.287.4637) given in the fee schedule and Clarity Statement, hours not stated on the pages read; Small Business Specialists and appointments at financial centers; Business Advantage 360 for online account access. Bank of America's contact page lists social-media messaging (Facebook, Instagram, X @BofA_Help) with representatives available Mon-Fri 8 a.m. to 9 p.m. ET, Sat 9 a.m. to 6 p.m. ET and Sun 8 a.m. to 5 p.m. ET. The number of financial centers is not stated on the pages read. Application page (undated) for the 866.283.4075 hours. The social-media hours are from https://www.bankofamerica.com/customer-service/contact-us/ and 888.BUSINESS from the Business Schedule of Fees PDF effective February 20, 2026. Verified · Nov 2, 2026
Bluevine	Standard: $0 per month, with no monthly fee, no overdraft fees and no minimum balance (the page names no condition for the $0 fee). Plus: $30 per month, waived with an average daily balance of at least $20,000 across checking and sub-accounts plus at least $2,000 of Bluevine Business Debit Mastercard spending each billing period. Premier: $95 per month, waived with at least $100,000 average daily balance and at least $5,000 of card spending each billing period. Plus and Premier have a one-month trial without the fee. USD per month, US site. The page is undated and shows a 2026 copyright. Verified · Nov 2, 2026	No minimum balance requirement on Standard and no minimum opening deposit is stated on the pages read. Fee waivers on Plus and Premier need minimum balances and card spend. Treasury services need a $50,000 minimum balance on Standard and Plus and have no minimum on Premier. Standard's APY needs monthly activity (see Interest). The no-minimum-balance wording is also on https://www.bluevine.com/business-checking. Verified · Nov 2, 2026	Checking APY by plan: Standard 1.3% APY on balances up to $250,000, earned when you spend $500 or more a month with the Bluevine Business Debit Mastercard or receive or deposit $2,500 or more a month in customer payments; Plus 1.75% APY on balances up to $250,000, with no requirements to earn it; Premier 3.0% APY on all balances, with no requirements to earn it. Bluevine says rates and terms are subject to change. Read 2026-11-02 from the page, whose calculator note says Standard earns its rate only if monthly activity goals are met. The page does not use the word variable in the text read, and shows no 'as of' date. Verified · Nov 2, 2026	Cash can be deposited with the Bluevine Business Debit Mastercard at Allpoint+ Cash Deposit ATMs (about 1,500 ATMs) for $1 plus 0.5% of the deposit, and at Green Dot Network retailers for a $4.95 fee per deposit; Bluevine cites 120,000+ locations in all. No branches are listed. Fees are also in the plan comparison table on https://www.bluevine.com/business-checking/plans-and-pricing. Verified · Nov 2, 2026	Plan table, Standard / Plus / Premier: standard ACH $0; same-day ACH $10 / $8 / $5; domestic wires sent $15 / $12 / $7.50; incoming domestic wires $0; incoming ACH $0; incoming international wires $15 / $12 / $7.50; international wires sent in USD $25 / $20 / $12.50 (FX wires add 1.5% / 1.25% / 1.0%); printed and mailed checks $1.50 each on Standard, first 5 free a month on Plus, first 20 free on Premier; mobile check deposit $0; cash deposit fees as above; MoneyPass in-network ATM withdrawals $0. Online card payments received via Stripe 2.9% + $0.60; Tap to Pay 2.7% + $0.30; ACH direct debit received 1%. The page states no overdraft fees. Free checkbooks: 1 on Standard, 2 per year on Plus, 3 per year on Premier per the same table. Verified · Nov 2, 2026	Bluevine states it is 'a financial technology company, not a bank', that banking services are provided by Coastal Community Bank, Member FDIC, and that deposits are 'FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks', with pass-through insurance available if certain conditions have been met. Bluevine states FDIC insurance only covers the failure of an FDIC-insured bank. Provider's own statement, also in the footer of https://www.bluevine.com/business-checking/plans-and-pricing. This page states no coverage amount in its own voice. Provider claim · Nov 2, 2026	Apply online in minutes; the plan is chosen during account setup. Bluevine's guide covers sole proprietorships, corporations, LLCs, LLPs, partnerships and nonprofit corporations. Needed: trade or DBA name, business address and phone, EIN confirmation letter (required for corporations, LLCs and LLPs), annual revenue, entity type and industry; for each owner of 25% or more, home address, phone, date of birth, SSN and ownership percentage, and possibly a driver's license image. Formation documents are needed (for example Articles of Organization or Incorporation), or the DBA registration for a sole proprietorship. P.O. box and registered agent addresses are not accepted. Bluevine says the account is available to qualified US-registered businesses owned by those in select countries. Also https://www.bluevine.com/business-checking (FAQ on what is needed to apply). Verified · Nov 2, 2026	Bluevine Business Debit Mastercard (issued by Coastal Community Bank), physical and virtual cards for main and sub-accounts, up to 50 cards with spend controls; sub-accounts (up to 5 / 10 / 50 by plan); checks can be printed and mailed from the account; free checkbooks per the plan table; mobile check deposit; mobile app and web dashboard; team and accountant logins with role-based permissions; ACH debit block on all plans; MoneyPass in-network ATMs at $0. Mobile app is named in the help centre (Your Bluevine Mobile App) at https://www.bluevine.com/help-center/getting-started. Verified · Nov 2, 2026	Accounting sync with QuickBooks Online, Xero, Wave and FreshBooks on all plans (accounts payable bill capture and sync); Xero special offer of 3 months free on Standard and 6 months on Plus and Premier; Stripe for card payment processing; Plaid for connecting financial apps. Payroll providers are not named on the pages read. App connection details: https://www.bluevine.com/help-center/sending-payments/connecting-financial-apps. Verified · Nov 2, 2026	The plan table has a 'Live customer support via phone, email, and chat' row and a priority customer support row that is listed with the Premier plan. Hours are not stated on the pages read. Help center articles are at https://www.bluevine.com/help-center. No branches. The help center lists which holidays Bluevine observes. Verified · Nov 2, 2026
Chase	Chase Business Complete Banking (base account; the other tiers on Chase's checking page are Chase Performance Business Checking at $40 per month and Chase Platinum Business Checking at $95 per month, each with its own waiver rules): $15 per month. The $15 Monthly Service Fee is $0 in a statement period when any ONE of these is met: a minimum daily ending balance of at least $2,000 in the account each business day of the period (the last day of the period is excluded); at least $2,000 of eligible deposits into the account from Chase QuickAccept, InstaMed or other eligible Chase Payment Solutions products; at least $2,000 of eligible purchases on a Chase Ink or Chase Sapphire Reserve for Business card in the latest card billing cycle; a linked Chase Private Client Checking, JPMorgan Classic Checking or Private Client Checking Plus account (the owner of the personal account must be a direct owner of the business and a signer on the business account); or meeting Chase Military Banking requirements. New-account courtesy: the first two Monthly Service Fees on a new account are waived or refunded. The statement period ends on the last business day of each month. Fee schedule PDF 'Additional Banking Services and Fees for Business Accounts', Effective 06/14/2026 (business product information, pages 1 and 14). The product page https://www.chase.com/business/banking/checking/business-complete-banking is undated and shows the same $15 fee and five waiver routes; the $40 and $95 tiers are from the same PDF and https://www.chase.com/business/banking/checking. Verified · Nov 2, 2026	No minimum deposit is required to open a Business Complete Banking account (Chase FAQ); a new customer is told to add funds within 60 days of opening. The account sets no minimum balance of its own: a $2,000 minimum daily ending balance is one of the five ways to waive the $15 monthly fee. No required activity is stated beyond the fee-waiver routes. Teller and paper-check activity is counted: the first 20 deposits and withdrawals made with a banker, and paper checks written on the account, per month have no charge, then $0.50 each from the 21st. FAQ on the product page (undated). The 60-day funding wording is also on https://www.chase.com/business/support/banking/new-business-account; the item counts are from the fee schedule PDF, Effective 06/14/2026. Verified · Nov 2, 2026	Chase's fee schedule states that Chase Business Complete Checking does not earn interest, and lists no rate or APY for it. (The schedule lists variable, interest-bearing versions only for other products, such as Chase Performance Business Checking with Interest.) Fee schedule PDF, Effective 06/14/2026, business product information page 2. No rate table for the base account was read on the product pages. Verified · Nov 2, 2026	Yes. Cash can be deposited at a Chase ATM (the fee schedule marks ATM cash deposits 'unlimited' with no charge) and at a branch with a banker or through night deposit. For cash deposited outside ATMs (Immediate Verification, Post Verification and Night Deposit) there is no charge up to $5,000 per statement period; above that the fee is 0.30% of the amount over $5,000 (the schedule's example: $5,100 deposited in a period costs $0.30). The product page says $5,000 of in-branch cash deposits per statement cycle are included at no additional charge and that deposits at a Chase ATM carry no additional charge. Chase states more than 14,000 ATMs and 5,000 branches. Business Employee Deposit Cards let employees deposit at an ATM or a Chase branch. Fee schedule PDF, Effective 06/14/2026 (cash deposited fee, page 2; employee deposit card, page 13). Product page wording is at https://www.chase.com/business/banking/checking/business-complete-banking. Verified · Nov 2, 2026	Fee schedule, Business Complete Checking: ACH, ATM, Chase QuickDeposit, debit card purchases, internal transfers and electronic deposits carry no per-item charge. The optional online ACH Payments service costs $2.50 per item for the first 10 items per month then $0.15 per item, with a $2.50 return fee; ACH Collections $25 for the first 25 items per month then $0.25 per item; Same Day ACH and Real Time Payments 1% of the amount or $25, whichever is less. Wires in (domestic or international): $15 per transfer, or $0 if the wire was originally sent with the help of a Chase banker or through chase.com or Chase Mobile. Wires out: domestic $25 on chase.com or $35 at a branch; international in U.S. dollars $40 on chase.com; international in foreign currency on chase.com $5, or $0 if $5,000 USD or more; any international wire at a branch $50; the exchange rate includes a spread. Overdraft Fee $34 per transaction (maximum 6 per business day, $204), not charged when the transaction is $5 or less, when a check or ACH is returned unpaid, or under Overdraft Assist when the account is overdrawn by $50 or less at the end of the business day; the schedule lists no separate returned-item fee. Stop payment $30 per request with a banker (check or ACH) or $25 per request online or by automated phone (on a check; only some types are available), $4 per item per year to renew. ATM: Chase ATMs no fee; non-Chase ATM $3 in the U.S. and territories, $5 outside (the ATM owner's own surcharge can also apply); 3% foreign exchange adjustment on card purchases or ATM withdrawals in other currencies; rush card replacement $15. Other: counter checks $3 per page, money order $5, cashier's check $10, legal processing up to $100 per order; check supply prices vary. Daily debit card limits: $10,000 purchases; ATM withdrawals $3,000 in-branch ATM, $1,000 other Chase ATM, $500 non-Chase ATM ($1,000 for accounts opened in CT, NJ, NY and TX). Fee schedule PDF, Effective 06/14/2026 (pages 2, 15 to 19). ACH Payments pricing also appears on https://www.chase.com/business/banking/services/pay-and-transfer; overdraft rules on https://www.chase.com/business/banking/services/overdraft/services. Verified · Nov 2, 2026	Chase states that deposit products are provided by JPMorgan Chase Bank, N.A., Member FDIC, and JPMorgan Chase Bank, N.A. is the bank named as providing them. Chase's Deposit Account Agreement (effective 6/14/2026), in a section on pass-through accounts, describes the standard maximum FDIC deposit insurance amount as currently $250,000 per depositor in the same ownership capacity. Deposit Account Agreement effective 6/14/2026 (the Member FDIC line is on every page header). The product page https://www.chase.com/business/banking/checking/business-complete-banking carries 'Deposit and credit card products provided by JPMorgan Chase Bank, N.A. Member FDIC'. The agreement applies to Chase personal and business accounts. Provider claim · Nov 2, 2026	Online or at a branch. Online: Chase says only privately held businesses can apply online, limited to sole proprietorships with one owner, single-member or single-manager LLCs with one authorizing representative, and privately held S- and C-corporations with one authorizing representative; other structures (for example multi-member or multi-manager LLCs, LLCs owned by another business, non-profits, spousal sole proprietorships) open at a branch, and partnerships and unincorporated associations are listed under the branch requirements. Online applicants give, for each owner of 10% or more, legal name, address, date of birth, tax ID (SSN, TIN or EIN), country of citizenship and ownership percentage; Chase may ask for a digital scan of a government ID using a mobile device camera, details of business operations (locations, nature of business, annual sales, employees, expected transaction types and volumes) and a digital copy of the formation document and any DBA certificate. At a branch: two forms of ID (one government-issued), a tax ID (SSN, ITIN or EIN), the business's legal formation documents, and a DBA certificate if the business uses another name (not required in some states); the people who must be present depend on the entity type. Chase's disclosures page says products and features may vary by location; the pages read do not list the states where it can open accounts. Chase page 'Get ready to open your business checking account' (undated). Online-structure wording is also in the FAQ at https://www.chase.com/business/banking/checking/business-complete-banking and https://www.chase.com/business/banking/checking; the people-present list is at https://www.chase.com/business/knowledge-center/start/opening-a-business-checking-account. Verified · Nov 2, 2026	Chase business debit card with chip and contactless technology ($0 annual fee, one card per person per account, issued to owners and signers; Chase says Zero Liability Protection applies) and a Chase Business ATM Card option; Business Associate Debit Cards for employees (daily limits set by the account owner, up to $1,000 for ATM withdrawals and $5,000 for purchases) and Employee Deposit Cards (ATM or branch deposits only). Business checks can be ordered (price varies). Chase Business Online with Online Bill Pay; Chase Mobile app (download links for Apple and Android devices on the account pages); Chase QuickDeposit mobile check deposit (limits apply); Zelle in the Chase Mobile app (up to $7,500 in a single transaction from business checking); wires and ACH payments from Chase Business Online; invoicing and Chase QuickAccept card acceptance (2.6% + $0.10 for in-person swipe, dip or tap; 3.5% + $0.10 for manual entry or payment links; 2.9% + $0.25 for online checkout). Access to more than 14,000 Chase ATMs and 5,000 branches as Chase states. Virtual debit cards and digital wallets are not mentioned on the pages read. Feature list under 'Every Chase business checking account offers' on the checking page (undated). Card limits and QuickAccept rates are from the fee schedule PDF effective 06/14/2026; card details from https://www.chase.com/business/banking/services/account-management/business-debit-cards; the Zelle limit from https://www.chase.com/business/contact-us. Verified · Nov 2, 2026	No accounting software is named on the pages read; the new-account page says to connect the account to your business accounting software and other tools. Chase Payroll, built into Chase Business Online and powered by Gusto, is open to Chase business checking customers: $39 per month including the first employee, plus $5 per month for each additional employee and $5 for each contractor paid that month, billed after the first payroll; promotion: three months free when you onboard and process your first payroll between 11/1/2026 and 1/31/2027. Chase says Chase Payroll files W-2s and 1099s and can connect payroll and retirement contributions to Everyday 401(k) by J.P. Morgan. Also listed: Zelle and Chase Payment Solutions card acceptance (Chase QuickAccept, invoicing). Chase Payroll page (undated; shows a promotion window ending 1/31/2027). The accounting-software wording is on https://www.chase.com/business/banking/checking. Verified · Nov 2, 2026	Chase Business Customer Service by phone at 1-800-CHASE38 (1-800-242-7338); Secure Message Center inside Chase Business Online (Chase's FAQ describes it as a way to send and receive messages with Chase Online Customer Service 24/7); X (formerly Twitter) @ChaseSupport; in person at branches, where a banker meeting can be scheduled. Chase states 5,000 branches and more than 14,000 ATMs, accepts relay calls, and lists separate lines for Payment Solutions, ACH support, cash management and fraud prevention. Phone hours are not stated on the pages read. Chase for Business help and support page (undated). The Secure Message Center description is from https://www.chase.com/business/support/banking/online-banking. Verified · Nov 2, 2026
Found	Found (free plan): $0 per month; the pricing page says Found has no monthly account maintenance fees and no required minimum balance, and names no condition for that. Optional paid plans: Found Plus $35 per month or $315 per year; Found Pro $80 per month or $720 per year (each with a free 30-day trial, then charged from the Found balance). USD, US site. A $10 dormancy fee applies if the account is dormant for 12 consecutive months (fee schedule, last updated July 13, 2026). Verified · Nov 2, 2026	No required minimum balance and no fees for opening the account (fee schedule). An opening deposit amount is not stated on the pages read. A $10 dormancy fee applies if the account is dormant for twelve consecutive months. Interest tiers: Found Plus earns on balances up to $20,000; Found Pro on all balances. Fee schedule 'Last Updated: July 13, 2026'. The no-minimum wording is also on https://found.com/pricing and https://found.com/faq. Verified · Nov 2, 2026	Interest is stated only for paid plans: Found Plus ($35 per month or $315 per year) earns 1.50% APY (variable) on balances up to $20,000; Found Pro ($80 per month or $720 per year) earns 2.50% APY (variable) on all balances with no cap. The free Found plan lists no APY. Found says it calculates the APY from the average of end-of-day balances for each day you were a paid member. Read 2026-11-02. The page says APY is variable and subject to change. The calculation wording is from https://found.com/faq. Verified · Nov 2, 2026	Yes: cash can be deposited at over 79,000 participating retail locations using a barcode in the Found app, arriving in seconds, for $2 per cash deposit. Found says ATM cash deposits aren't supported and no branches are listed. The pricing page marks cash deposits as subject to eligibility requirements and terms. Fee: https://found.com/legal/fee-schedule-lead (last updated July 13, 2026). Verified · Nov 2, 2026	Fee schedule: no fees to open or use the account for transfers, invoices and payments; no overdraft fees; outgoing domestic wire $15 ($10 on Found Pro); the fee schedule lists no fee for incoming wires; Instant Payment sent 1.75% ($0.50 minimum, $50 maximum), free to receive; Express transfer 1% ($0.50 minimum, $25 maximum); cash deposit $2; mailed check $1 (free on Found Pro); extra physical card $5 and card replacement $5 after three free in six months; $10 dormancy fee after 12 consecutive dormant months. ATMs: Found charges no ATM fee, operators may; up to $550 a day at Mastercard ATMs. No international transaction fee from Found, though the card network may charge a conversion fee. Zelle is not supported. Stripe fees apply to card invoice payments and Tap to Pay. Fee schedule 'Last Updated: July 13, 2026'. Card and replacement fees and the daily ATM limit are from https://found.com/faq. Verified · Nov 2, 2026	Found states it is 'a financial technology company, not a bank', that banking services are provided by Lead Bank, Member FDIC, and that 'the funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category', and that FDIC insurance only covers the failure of an FDIC-insured depository institution. Provider's own statement, repeated in the footer of https://found.com/pricing. This page states no coverage amount in its own voice. Provider claim · Nov 2, 2026	Online sign-up 'in as little as 5 minutes' with no credit check. Found says it supports sole proprietors, single- and multi-member LLCs, corporations (including S corporations) and partnerships; up to 4 additional beneficial owners can be added. Needed: legal name, US residential address, date of birth and Social Security number (ITINs are not accepted); LLCs, corporations and partnerships also need an EIN (sole proprietors without an EIN can use their SSN). Found verifies legal name, address, state registration and EIN. Available only in the US to customers with a valid US address and SSN. Businesses in restricted industries (such as drugs and cannabis, tobacco and e-cigarettes, weapons) are not accepted. No branch is listed; the account is opened in the app or online. Verified · Nov 2, 2026	Mastercard business debit card (issued by Lead Bank): a virtual card ready on activation, physical card in about 5-7 business days after shipping; up to 20 virtual and 10 physical cards, with team cards and spending limits; Apple Pay and Google Pay for virtual cards. No checkbook (checks can be mailed from the app for $1). Mobile app (iOS, Android) and desktop; up to 20 sub-accounts called Pockets. ATM withdrawals up to $550 a day at ATMs that accept Mastercard. The pricing page says Found is available on iOS, Android and desktop and lists 'up to 20 sub-accounts called Pockets' (the FAQ says up to 18 more beyond the Primary and Taxes pockets). Verified · Nov 2, 2026	The pages read name Stripe (invoice card and direct-debit payments and Tap to Pay), Square, Venmo, PayPal and Cash App (as sources of payments or transfers), and importing transactions from other banks, cards and apps on Found Plus and Found Pro. Found says it is not a payroll provider but pays 1099 contractors with no per-contractor fees and files 1099-NEC forms. Accountant access lets an accountant view, categorize and export data. No accounting-software integration (such as QuickBooks or Xero) is named on the pages read. Plan inclusions are from https://found.com/pricing. Verified · Nov 2, 2026	The pricing page lists 24/7 virtual assistance (Found Assistant), human support by phone and email, priority phone support (Found Plus and Found Pro) and a dedicated account manager (Found Pro only). A help center and the address help@found.com are listed. Hours for human support are not stated on the pages read. No branches. Footnote 6 on the pricing page limits priority support to Plus and Pro and the account manager to Pro. Verified · Nov 2, 2026
Lili	Lili Core: $0 per month (the plans page and fee schedule name no condition for the $0 fee). Paid plans, each with a 30-day free trial: Lili Pro $15 per month or $144 per year ($9 per month for the first 3 months promotion shown); Lili Smart $35 per month or $336 per year ($21 per month for 3 months promotion); Lili Premium $55 per month or $528 per year ($33 per month for 3 months promotion). BusinessBuild add-on: $30 per month after a promotional $18 per month for 3 months. Annual and monthly amounts are from the master fee schedule inside the account agreement, 'Effective as of July 2, 2025' (https://lili.co/legal-documents/sunrise-account-agreement). The plans page is undated and shows a 2026 copyright. Verified · Nov 2, 2026	No minimum deposit ('No minimum deposit' on the plans page) and no minimum balance requirement to open an account (account agreement). The agreement reserves the right to close an account with a zero balance or no transaction activity for at least 180 days. Lili says it charges no card inactivity fee and the fee schedule lists a $0.00 dormant account fee. Sunrise Banks account agreement, section 3.3, and Appendix A (Master Fee Schedule, effective July 2, 2025). Verified · Nov 2, 2026	The account agreement says the Lili Core, Pro, Smart and Premium accounts 'feature non-interest-bearing checking accounts'. Interest is stated only for the separate Lili Savings Account: 2.25% APY on balances up to and including $500,000 and 4.00% APY on balances over $500,000 up to $1,000,000, variable and 'effective as of January 13, 2026' per the plans page footnote. Section 3.4. The savings APY is not an interest rate on checking. Verified · Nov 2, 2026	Yes: the account agreement says Lili accepts cash deposits 'in conjunction with designated merchants through Green Dot Bank', with limits of $1,500 per cardholder per day, $3,500 per week and $5,000 per month; it says it does not accept in-person or mailed cash or check deposits. The master fee schedule lists no cash deposit fee line; a plans page footnote refers to 'retailer fees' of up to $4.95 without naming the feature it labels. Cash withdrawals at 40,000+ MoneyPass ATMs are $0. Sections 3.7 and 4.4 and Appendix A. The MoneyPass wording is from https://lili.co/business-banking. Verified · Nov 2, 2026	Master fee schedule (all accounts): standard ACH $0.00; express ACH 1.50% of the transaction (minimum $0.50, maximum $20.00); domestic wire incoming $0.00, outgoing $15.00; international wire incoming $15.00, outgoing $25.00 (plus a 1% commission on converted wires); mailed check $3.00 per check; overdraft fee $0.00; returned deposited item fee $0.00; stop payment $0.00; card replacement $0.00; MoneyPass ATM $0.00; out-of-network domestic ATM $2.50 and international ATM $5.00 (the ATM owner may add a surcharge); express mail $20.00; international debit transaction fee $0.00. International wires are only for LLCs, corporations and partnerships. Appendix A, 'Effective as of July 2, 2025'. Lili's pages say it may update fees with notice. Verified · Nov 2, 2026	Lili states it is 'a financial technology company, not a bank', with banking services provided by Sunrise Banks, N.A., Member FDIC. Lili states eligible deposits are insured up to $3,000,000 through Sunrise Banks' sweep network of program banks, that the standard FDIC limit is $250,000 per depositor per insured bank per ownership category, and that FDIC insurance only covers the failure of an insured bank. Provider's own statement, also in footnote 12 of https://lili.co/plans. This page states no coverage amount in its own voice. Provider claim · Nov 2, 2026	Online, from a phone or computer, 'no branch visit and no appointment'. Lili says it supports corporations, partnerships, single- and multi-member LLCs, US charitable non-profits and sole proprietors. Have ready: EIN, formation documents (Articles of Organization or Incorporation, or a DBA for sole proprietors), a government-issued photo ID, and an SSN (non-US founders can use a passport instead). Lili may ask for the IRS confirmation letter if it cannot verify a new EIN. Entity types are from the FAQ at https://lili.co/faq. Verified · Nov 2, 2026	Lili Visa debit card (issued by Sunrise Banks, N.A.); a metal debit card on Premium; mobile app and web; checks can be mailed from the account ($3.00 per check); mobile check deposit up to $50,000 per month; ATM withdrawals up to $1,000 per cardholder per day; card purchases up to $15,000 per cardholder per day; wires and ACH; a separate savings account. Limits are from section 3.7 of the account agreement; the plan card names are from https://lili.co/plans. Verified · Nov 2, 2026	Lili says it connects with 50+ business integrations across accounting, payroll and payments, naming QuickBooks, Xero and Gusto for syncing and Stripe, Square and Shopify for accepting payments. The Smart and Premium plans include accounting software, invoicing and bill pay. Plan inclusions are from https://lili.co/plans. Verified · Nov 2, 2026	The plans page lists 'Live support, 7 days a week' with a phone number, (855) 545-4380, and an email address; every plan lists '7-Day Customer Support' and the Premium plan lists 'Premier Priority Service' with a dedicated specialist available 7 days a week. Hours of the day are not stated on the pages read. No branches. A help center and customer-support page are linked from the site footer. Verified · Nov 2, 2026
Mercury	Mercury (base account): $0 per month. The pricing page says banking services and essential tools are always $0 per month, and its FAQ says there are no required monthly fees, minimum balance requirements, overdraft fees or account opening fees. Optional paid plans: Mercury Plus $35 per month billed monthly ($29.90 per month on the page's annual view, labelled 'Annual Pricing (15% off)'); Mercury Pro $350 per month billed monthly ($299 per month on the annual view). Add-ons shown as waived until Dec 31, 2026 (promotion): Mercury Books $35 per month; Mercury Payroll $100 per month plus $50 per person paid per month. The monthly and annual prices were read by switching the page's billing switch, which only changes the displayed prices. The page is undated. Verified · Nov 2, 2026	No minimum account balance requirement and no account opening fee (Mercury FAQ). No opening deposit amount is stated on the pages read; the help centre says to deposit funds to start using the account. Mercury Treasury, a separate investment product, is shown as unlocked with a $250K Mercury balance. FAQ wording on the same page; the Treasury threshold is in the page's footnote and FAQ. The help centre article on deposits is https://support.mercury.com/hc/en-us/articles/28770701024020-Depositing-money-overview. Verified · Nov 2, 2026	The pricing page states no APY or interest rate for the business checking account. It lists Mercury Treasury (offered by Mercury Advisory, LLC, an SEC-registered investment adviser; 'yield subject to investment risk') at 'Earn up to 4.10% yield' for eligible customers with a $250K Mercury balance, which is a separate product, not the checking account. Read on 2026-11-02. The yield is not labelled variable or fixed on the page. Verified · Nov 2, 2026	Mercury does not accept cash deposits. Its help centre says Mercury 'doesn't support cash deposits' and that its partner banks' branches can't accept cash deposits for Mercury accounts; it lists checks, ACH transfers and wires as ways to fund the account. Cash can be withdrawn at compatible ATMs with the physical debit card. The FAQ at https://mercury.com/faq also says cash deposits are not currently supported. Verified · Nov 2, 2026	Pricing page, all plans: ACH send and receive $0 (same-day and next-day); domestic wires send and receive $0; real-time payments $0 (the other provider may charge its own fee); USD international wires $0 (an optional flat $15 'OUR' option charges intermediary fees to Mercury); non-USD international wires carry a 1% currency exchange fee; mailed checks $0; checkbooks $0 (up to six complimentary checkbooks per year per the FAQ); non-USD card transactions carry a 3% currency exchange fee; no overdraft fees. Federal and state 1099-NEC and 1099-MISC filing is $5 per filing on the base account. ATMs: Mercury lists no fee for USD withdrawals but says operators may charge their own fees; limit $1,000 per card per business day and $3,000 across all cardholders. ATM limits are from https://support.mercury.com/hc/en-us/articles/28778896984596-Using-your-Mercury-debit-card-at-ATMs. Verified · Nov 2, 2026	Mercury states it is 'a fintech company, not an FDIC-insured bank' and that banking services are provided through Choice Financial Group and Column N.A., Members FDIC. Mercury states its checking and savings deposits are FDIC-insured through those banks and their sweep program network banks, describes 'up to $5M in FDIC insurance' through its partner banks and their use of sweep networks, and states that certain conditions must be satisfied for pass-through insurance to apply. Mercury also states it received conditional OCC approval in April 2026 to establish Mercury Bank, N.A., and that nothing changes for customers in the meantime. Provider's own statements from its business banking page FAQ and footer. The sweep program help article is https://support.mercury.com/hc/en-us/articles/28776806677908-Understanding-sweep-programs. This page states no coverage amount in its own voice. Provider claim · Nov 2, 2026	Online application ('Fast online application and onboarding'; 'Open your account in 10 minutes or less'). The business must be formed and registered in the US or a US territory with existing or planned US operations. Supported structures include single- and multi-member LLCs, C corporations, S corporations, partnerships and non-profits; sole proprietorships and trusts are not supported (Mercury says a sole proprietorship has no state formation document), and money services businesses, adult entertainment, cannabis and internet gambling cannot open accounts. Documents: state formation document, IRS EIN document (or Form SS-4 if the EIN is pending, with the EIN document due within 90 days), and government ID for at least one person with operating control and any owner of 25% or more. A physical business address is needed (residential is accepted; registered agent, P.O. box and UPS Store addresses are not). Combined from that article, https://support.mercury.com/hc/en-us/articles/28770467511060-Eligibility-and-requirements-for-opening-a-Mercury-account and the business banking page FAQ (https://mercury.com/business-banking). Verified · Nov 2, 2026	Virtual and physical debit cards (Mastercard, issued by the partner banks) and IO business credit cards (1.5% cashback; IO card issued by Patriot Bank, N.A.) per the pricing page; up to six complimentary checkbooks per year plus mailed checks sent from the dashboard; mobile app for iPhone and Android; web dashboard. ATM withdrawals only at Mastercard-network ATMs that support chip entry; virtual debit cards and IO cards are not supported at ATMs. Wire, ACH and real-time payments can be sent from the dashboard. ATM details are from the help article on using the debit card at ATMs; the app store link on the page is for the iPhone app and the footer lists iOS and Android. Verified · Nov 2, 2026	The pricing page lists bank feed import and sync for QuickBooks Online, Xero and NetSuite (enriched categorization features vary by plan), third-party integrations (HRIS, payroll, Stripe, Slack and more) and an API. Help centre articles cover connecting PayPal, Venmo and Slack, and connecting a third-party payroll provider. Mercury Payroll is listed as an add-on at $100 per month plus $50 per person paid per month (shown as waived until Dec 31, 2026). Mercury Books accounting software is an add-on at $35 per month (shown as waived until Dec 31, 2026). Help centre section: https://support.mercury.com/hc/en-us/sections/28737317207316-Integrations. Verified · Nov 2, 2026	Messaging with Mercury from the dashboard, which the help centre says is available 24/7 and typically answered within 5 minutes; email to help@mercury.com for people without an account or who cannot log in. Mercury Plus and Mercury Pro include priority support, and Mercury Pro includes a relationship manager. No branches and no phone line are listed on the pages read. Plan inclusions are from https://mercury.com/pricing; the contact page https://mercury.com/contact lists logging in to message support and an email option. Verified · Nov 2, 2026
NBKC Business	nbkc Business Account: $0 per month. The fee schedule lists a $0 monthly account service fee, $0 minimum balance fee, $0 overdraft fee and $0 inactivity fee, and the page names no condition for the $0 fee. USD, US site. The fee schedule is at https://www.nbkc.com/legal-notices/disclosures/BusinessFeeSchedule (it redirects to a PDF that says 'effective as of November 15th, 2024'). Verified · Nov 2, 2026	$0 required to open and $0 minimum balance ('no minimum deposit, no funding requirement' for opening online). The fee schedule lists a $0 minimum balance fee. Fee schedule PDF: 'effective as of November 15th, 2024'. Verified · Nov 2, 2026	No interest on checking: the fee schedule describes the Business Checking Account as a 'non-interest-bearing account' and lists interest-bearing business money market and high yield savings accounts separately. The checking page states no APY. The URL redirects to the PDF 'effective as of November 15th, 2024'. Verified · Nov 2, 2026	Yes: nbkc says it offers unlimited cash deposits at no cost, deposited in person or at eligible ATMs. nbkc's local branches are in Kansas City, MO, Liberty, MO and Overland Park, KS; the pages read do not list which ATMs take cash deposits. Branch locations are from https://www.nbkc.com/locations, which says 'We're an online bank'. Verified · Nov 2, 2026	Fee schedule: monthly service, minimum balance, overdraft, inactivity, stop payment, returned item, insufficient funds and dormant account fees all $0; ATM withdrawal or balance inquiry $0 at nbkc-owned, MoneyPass and Allpoint ATMs, with up to $12 per month reimbursed for other ATMs; domestic wires $5 to send and $0 to receive; international wires $45 to send and $45 to receive; foreign transaction fee 1% of the transaction (charged by Mastercard). The checking page lists $0 for incoming domestic wires, bill pay, checks deposited at a branch or in the app, and eStatements. ACH fees are not listed on the pages read. PDF 'effective as of November 15th, 2024'. $0 items on the checking page: https://www.nbkc.com/business/checking. Verified · Nov 2, 2026	NBKC Business states the account is 'FDIC insured' (checking page description) and displays an FDIC icon; the pages read give no coverage amount, and nbkc presents itself as the bank rather than naming a partner bank. The page's own wording is 'FDIC insured. 90,000+ ATMs.' in its description. This page states no coverage amount. Provider claim · Nov 2, 2026	Apply online in under 10 minutes ('no branch visit, no appointment'). Needed: EIN (or SSN for a sole proprietor), business name and address, and a valid government-issued photo ID. nbkc lists small businesses, startups, nonprofits and 501(c)(3) organizations among those it serves. $0 required to open. Entity types accepted are not listed in full on the checking page. Verified · Nov 2, 2026	Free nbkc Business Debit Mastercard with access to 90,000+ ATMs globally and up to $12 per month in out-of-network ATM fee refunds; Apple Pay, Samsung Pay, Google Pay and Garmin Pay; mobile app with mobile check deposit; online banking on desktop or mobile 24/7; bill pay; wire requests in online banking; Mastercard Easy Savings rebates; Tap to Pay on iPhone; branches in Kansas City, Liberty (MO) and Overland Park (KS). Checkbooks are not described on the pages read. Card and ATM wording is from https://www.nbkc.com/business/checking. Verified · Nov 2, 2026	Autobooks invoicing integration at $10 per month as an add-on, Tap to Pay on iPhone, ACH credits for payroll or vendor payments, and a 'direct integration with payment platforms' that the pages read do not name. No accounting software or payroll provider is named on the pages read. Business solutions page: https://www.nbkc.com/business/business-solutions. Verified · Nov 2, 2026	Phone 866.931.0850, Monday to Friday 7am to 6pm CST; live chat Monday to Friday 7am to 6pm CST and Saturday 9am to 1pm CST; email; branches in Kansas City, MO, Liberty, MO and Overland Park, KS. The checking page says calls to your nbkc banker, email or in-person visits cost $0. The contact page lists these as deposit account customer support hours for personal and business accounts. Verified · Nov 2, 2026
Novo	Novo Business Checking: $0 per month. The fee schedule lists a monthly service charge of $0.00 and a minimum balance of $0.00, and Novo's page says there is no monthly maintenance fee and no minimum balance requirement. The page names no condition for the $0 fee. USD, US site. The PDF fee schedule (https://cdn.sanity.io/files/qbkov2y8/production/0b3a32cb4c2895b05a427104d3b9360ef7ef90b8.pdf) says 'Last Revised: February 26, 2026'; the web page https://www.novo.co/legal/fee-schedule is dated September 13, 2026. Verified · Nov 2, 2026	Minimum balance $0.00. The fee schedule lists an initial deposit of $1,000.00 under an advisory label; it does not state that an opening deposit is required. Early account closing fee $0.00. The Novo page says no transaction limits. Fee schedule 'Last Revised: February 26, 2026'. The no-minimum wording is also on https://www.novo.co/business-checking/no-fee-checking. Verified · Nov 2, 2026	The fee schedule lists an Annual Percentage Yield of 0%. The pages read state no interest rate above 0% for the checking account. Fee schedule 'Last Revised: February 26, 2026'. Verified · Nov 2, 2026	No. Novo's help centre says 'No, you can't deposit cash into your Novo account', and lists adding money by transfer from another bank, payment apps, check deposit in the app, payment processors and invoices instead. No branches are listed. Help article shows 'Updated October 20, 2026'. Verified · Nov 2, 2026	Fee schedule: incoming ACH $0.00; outgoing ACH $0.00; outgoing express ACH 1.5% of the transaction value (minimum $0.50, maximum $20.00); incoming domestic wire $0.00; incoming foreign wire $0.00; outgoing domestic wire up to $45.00; express check deposit up to 2% of the check amount (minimum $0.50); stop payments $0.00; insufficient funds charge $0.00; uncollected funds returned fee $0.00; debit card replacement $0.00; physical check bill payment $0.00; bank check $0.00; paper statement fee $0.00. ATM: Novo says it charges no ATM fees and reimburses third-party ATM fees up to $7.00 per month per customer. A third-party fee may be shown before some services such as wires. Fee schedule 'Last Revised: February 26, 2026'. The ATM reimbursement and third-party fee wording is from https://www.novo.co/business-checking and https://www.novo.co/business-checking/no-fee-checking. Verified · Nov 2, 2026	Novo states it is 'a fintech, not a bank' and that banking services are provided by Middlesex Federal Savings, F.A., Member FDIC. Novo's help centre states deposits at Middlesex are insured up to $250,000 per depositor per account ownership category, and that through a deposit network arrangement with Cambr Solutions, LLC deposits 'may become eligible for up to $5,000,000 in total FDIC deposit insurance', with the network's availability subject to change and coverage reverting to $250,000 if it becomes unavailable. Help article shows 'Updated October 20, 2026'. This page states no coverage amount in its own voice. Provider claim · Nov 2, 2026	Online application ('open in minutes'). Applicants must be 18 or older with a government-issued photo ID, a Social Security number, a US cell phone number (major carriers only) and a US address. Business documents vary by business type (sole proprietor, LLC, partnership, corporation) and by state; a business that is not registered can apply as a sole proprietor with an EIN and needs a DBA document if it uses a name other than the owner's legal name. Novo says it cannot support some business types (for example adult content, cryptocurrency, cannabis, firearms, money service businesses, online gambling, lending and gas stations) and may decline others under its risk guidelines. No phone support is offered during the application; chat and email are. Help article shows 'Updated October 20, 2026'. Restricted business types are from https://www.novo.co/help/are-there-any-business-types-that-cant-apply-for-a-novo-account and the phone-support wording from https://www.novo.co/help/can-i-get-phone-support-during-the-application-process. Verified · Nov 2, 2026	Virtual and physical Mastercard business debit cards (issued by Middlesex Federal Savings, F.A.), with help articles on Apple Pay, Google Pay and Samsung Pay; Novo Reserves, up to 20 separate buckets inside the checking account; mobile apps for iOS and Android; check deposit in the app; mailed checks can be sent; ACH, wires and FedNow instant payments. ATM fees are reimbursed up to $7 a month at domestic and international ATMs. Wallet and mailed-check articles are listed in the help centre index at https://www.novo.co/help. Verified · Nov 2, 2026	Novo says it natively integrates with over 40 business tools, naming Stripe, QuickBooks, Shopify, Square and Xero; its help centre also has articles on connecting PayPal, Wave, Gusto, Zapier, Zoho, Amazon Seller, Etsy, WooCommerce, Zelle and payroll tools. The help article list is at https://www.novo.co/help (article titles only were read for the extra apps). Verified · Nov 2, 2026	Customer support by creating a ticket in the app to chat with an agent; email to support@novo.co if you cannot log in; a Help Center. Novo says it offers no phone support during the application process. Hours are not stated on the pages read. No branches. Phone-support wording is from https://www.novo.co/help/can-i-get-phone-support-during-the-application-process. Verified · Nov 2, 2026
Relay	Relay Starter: $0 per month (the pricing page names no condition for it). Grow: $30 per month (14-day trial). Scale: $90 per month, shown as a limited-time discount from $120 per month (14-day trial). Per-plan differences are in savings APY, cash back on credit cards, number of checking accounts (20 on Starter and Grow, 50 on Scale) and transaction fees. Prices are USD per month as displayed; the page is undated and says its interest rates are accurate as of 9/17/2026. Verified · Nov 2, 2026	The pricing page says 'No minimum balance. No hidden or overdraft fees.' An opening deposit amount is not stated on the pages read. Writing third-party paper checks requires funding the account with a minimum of $100 (FAQ). The $100 figure is from https://relayfi.com/faqs/. Verified · Nov 2, 2026	The pages read state no APY or interest rate for Relay's checking accounts. Interest is stated for the two savings accounts per business: 1.19% APY on Starter, 1.87% on Grow and 3.21% on Scale, which Relay says are accurate as of 9/17/2026 and variable, subject to change with the Federal Funds target range, and that fees may reduce earnings. The savings rates are not an interest rate on checking. Verified · Nov 2, 2026	Cash can be added at any Allpoint+ ATM for free ($0 on the fee table) and at Green Dot Network participating retailers for a fee of up to $4.95 (limits apply). Mobile check deposits are $0 and can take up to 7 business days to settle. The fee table is on https://relayfi.com/pricing/ (the plan comparison, read after expanding it). The check-deposit timing is from the help article https://relayfi.com/hc/en-us/articles/11369994367124-How-to-Deposit-a-Check-Using-the-Relay-Mobile-App (updated August 11, 2026). Verified · Nov 2, 2026	Pricing page fee table, Starter / Grow / Scale: receiving ACH, domestic wires and international wires $0; standard ACH (1-2 day) $0; same-day ACH $1 / $0.50 / $0; domestic wires sent $8 / $5 / $5; Local Network international wires $5 / $3 / $1.50; Swift international wires $25 / $22 / $20; currency exchange for international wires as little as 1%; mailed check payments $0; third-party checkbooks 'vendor fees apply'; cash withdrawals at Allpoint ATMs $0. No overdraft fees are stated. Relay charges no ATM fee for other ATMs, but their owners may. The out-of-network ATM wording is from https://relayfi.com/faqs/. Daily and monthly transaction limits are set per account and shown in the dashboard (help article updated August 11, 2026). Verified · Nov 2, 2026	Relay states it is 'a financial technology company and is not an FDIC-insured bank' and that banking services are provided by Thread Bank, Member FDIC. Relay states that deposits qualify for up to $3,000,000 of FDIC insurance when Thread Bank places them at program banks in its deposit sweep program, that each program bank's coverage is up to $250,000 inclusive of other deposits held there in the same ownership capacity, and that certain conditions must be satisfied for pass-through coverage to apply. Provider's own footnote 2 and footer. This page states no coverage amount in its own voice. Provider claim · Nov 2, 2026	Online only ('All the essentials, online. No branch visits or paperwork'). Relay says it serves US corporations, LLCs, general partnerships and sole proprietors with an operating presence in the US; it also accepts US non-profits with 501(c)(3) or 501(c)(6) status. Documents by entity type: LLC - formation documents, EIN, physical US address and phone, and a signed operating agreement if there are several members; corporation - incorporation documents, EIN, address and phone; general partnership - signed partnership agreement, EIN and formation documents; sole proprietor - Social Security number, physical US address and a DBA name if used. Every beneficial owner (25% or more, or significant management responsibility) provides ID details. Not accepted: cryptocurrency, firearms, credit repair, privately owned ATMs, money services, unlawful internet gambling and cannabis businesses. Help article updated August 11, 2026. The 'who can bank' and industry wording is from https://relayfi.com/faqs/. Verified · Nov 2, 2026	Relay Visa debit cards (issued by Thread Bank), physical and virtual, up to 50 per cardholder per checking account; Relay Visa credit cards (1% / 1.25% / 1.5% cash back by plan); mobile app for iPhone and Android and web dashboard; checks written from the app and mailed for the user, plus third-party checkbooks printed with the Relay account and routing number; mobile check deposit; Allpoint ATM cash withdrawals at $0; role-based team access with two-factor authentication. Card counts and cash back are from https://relayfi.com/pricing/. Verified · Nov 2, 2026	Relay's integrations page names QuickBooks Online and Xero (transaction data and statements), Gusto (payroll), Plaid (to connect money apps such as Expensify), Yodlee (to connect tools such as FreshBooks, Stessa and PayPal) and Collective. The FAQ says payments from tools like Stripe, Square and Shopify can be collected into the account. The Stripe, Square and Shopify wording is from https://relayfi.com/faqs/. Verified · Nov 2, 2026	The FAQ lists personalized customer support by email, and the pricing page lists 'Faster customer support by phone and email' as a Scale plan feature. The help center at https://relayfi.com/hc/en-us/ has articles and a 'Chat Now' option. No branches (online only). Hours are not stated on the pages read. Also https://relayfi.com/faqs/ and the help center home page. Verified · Nov 2, 2026

Questions

How were these accounts chosen?

Each sells a business checking account to US small businesses, shows the monthly fee and any conditions on its own site, can be opened online or in a branch by a US small business, and was on sale on the check date. The starting list was 16: Mercury, Relay, Bluevine, Novo, Found, Lili, NBKC Business, Axos Bank, Chase Business Complete Banking, Bank of America Business Advantage, Wells Fargo, U.S. Bank, Capital One, Huntington, Truist and Regions. All 16 met the rule. This page holds at most ten, so one extra rule was applied to every candidate in the same way: the ten that come first on the starting list are shown, and the other six (Wells Fargo, U.S. Bank, Capital One, Huntington, Truist and Regions) are not. The order of the starting list is not a ranking and says nothing about quality; the six were read and recorded in the same way as the ten, so they can be added later. For each provider the page shows its entry-level business checking account, meaning the tier with the lowest monthly fee that a small business can open, and names other tiers inside the Monthly fee row. This page lists the ten in alphabetical order and does not rank them, and it gives no advice on which account to open.

Where do the fees and rates come from?

Each provider's own product pages, fee schedules or account agreements, help centre and contact pages, in US dollars, read on 2026-11-02. Every figure says which account or plan it covers, any condition for it and the date of the document where the document shows one. Interest rates are variable and change, so the Interest row gives the rate, the balance tier and account it applies to and the date; a page that shows no 'as of' date is marked undated. Promotions are named as promotions with the regular terms beside them: Axos Bank's $200 welcome bonus offer, Bank of America's first-12-months fee holiday and its up-to-$2,500 new-client bonus, Lili's first-three-months plan prices, Mercury's add-on prices shown as waived until 2026-12-31 and Relay's limited-time Scale price. Several pages build prices or fees with scripts or in PDF documents, so some were read in a browser, and display switches were changed only to read other displayed prices. Fees and rates change often, so check the provider's own pages for today's terms.

Who holds the deposits, and what does FDIC insurance mean on this page?

Six of the ten (Bluevine, Found, Lili, Mercury, Novo and Relay) state that they are financial technology companies, not banks, and that banking services are provided by partner banks they name. The other four (Axos Bank, Bank of America, Chase and NBKC Business) present themselves as the bank. The 'Who holds the deposits' row records each provider's own words about its bank, about FDIC insurance and about any sweep or deposit-network arrangement, attributed to the provider and marked as the provider's claim. This page states no coverage amount in its own voice, does not compare these arrangements and does not judge them; deposit insurance applies to the failure of an insured bank, under the conditions each provider describes.

What does "Not publicly stated" mean?

The provider's pages did not say. It does not mean the answer is no.

Sources

Every fact above links to the page it came from. 49 pages, each with the date we checked it.

business.bankofamerica.com/en/deposits/checking-accounts · checked Nov 2, 2026
cdn.sanity.io/files/qbkov2y8/production/0b3a32cb4c2895b05a427104d3b9360ef7ef90b8.pdf · checked Nov 2, 2026
found.com/faq · checked Nov 2, 2026
found.com/legal/fee-schedule-lead · checked Nov 2, 2026
found.com/pricing · checked Nov 2, 2026
lili.co/business-banking · checked Nov 2, 2026
lili.co/faq · checked Nov 2, 2026
lili.co/legal-documents/sunrise-account-agreement · checked Nov 2, 2026
lili.co/open-small-business-bank-account · checked Nov 2, 2026
lili.co/plans · checked Nov 2, 2026
mercury.com/business-banking · checked Nov 2, 2026
mercury.com/pricing · checked Nov 2, 2026
promotions.bankofamerica.com/smallbusiness/connectedapps · checked Nov 2, 2026
relayfi.com/faqs/ · checked Nov 2, 2026
relayfi.com/hc/en-us/articles/38049251551636-Required-Documents-and-Organization-Details-to-Open-a-Relay-Account-by-Entity-Type · checked Nov 2, 2026
relayfi.com/integrations/ · checked Nov 2, 2026
relayfi.com/pricing/ · checked Nov 2, 2026
support.mercury.com/hc/en-us/articles/28778896984596-Using-your-Mercury-debit-card-at-ATMs · checked Nov 2, 2026
support.mercury.com/hc/en-us/articles/31501481890708-Contacting-our-Support-Team · checked Nov 2, 2026
support.mercury.com/hc/en-us/articles/53169863094164-Company-structures-Mercury-supports · checked Nov 2, 2026
axos.com/documents/disclosure-and-agreements-for-small-business-accounts · checked Nov 2, 2026
axosbank.com/business · checked Nov 2, 2026
axosbank.com/business/business-checking-accounts · checked Nov 2, 2026
axosbank.com/business/business-checking-accounts/basic-business-checking · checked Nov 2, 2026
axosbank.com/business/business-checking-accounts/business-interest-checking · checked Nov 2, 2026
bankofamerica.com/salesservices/smallbusiness/resources/business-schedule-fees/ · checked Nov 2, 2026
bankofamerica.com/smallbusiness/deposits/business-advantage-banking/business-advantage-fundamentals-application/ · checked Nov 2, 2026
bluevine.com/business-checking/fdic-protection · checked Nov 2, 2026
bluevine.com/business-checking/interest-rate · checked Nov 2, 2026
bluevine.com/business-checking/plans-and-pricing · checked Nov 2, 2026
bluevine.com/help-center/business-checking-account/add-funds · checked Nov 2, 2026
bluevine.com/help-center/getting-started/how-to-apply-business-checking-account · checked Nov 2, 2026
chase.com/business/banking/checking · checked Nov 2, 2026
chase.com/business/banking/checking/business-complete-banking · checked Nov 2, 2026
chase.com/business/banking/payroll · checked Nov 2, 2026
chase.com/business/contact-us · checked Nov 2, 2026
chase.com/business/resources/business-bank-account-information · checked Nov 2, 2026
chase.com/content/dam/chase-ux/documents/personal/checking/biz-how-your-transaction-will-work.pdf · checked Nov 2, 2026
chase.com/content/dam/chase-ux/documents/personal/checking/deposit-account-agreement.pdf · checked Nov 2, 2026
nbkc.com/business/checking · checked Nov 2, 2026
nbkc.com/business/digital-banking-online-mobile · checked Nov 2, 2026
nbkc.com/contact · checked Nov 2, 2026
nbkc.com/legal-notices/disclosures/BusinessFeeSchedule · checked Nov 2, 2026
novo.co/business-checking · checked Nov 2, 2026
novo.co/business-checking/no-fee-checking · checked Nov 2, 2026
novo.co/contact · checked Nov 2, 2026
novo.co/help/are-novo-accounts-fdic-insured · checked Nov 2, 2026
novo.co/help/can-i-deposit-cash-into-my-account · checked Nov 2, 2026
novo.co/help/what-business-documents-do-i-need-to-open-an-account · checked Nov 2, 2026

Cite this page: All Things Compared, "Small-business checking accounts, compared", facts checked Nov 2, 2026. https://allthingscompared.com/small-business-checking-accounts/

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