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Business Checking Accounts

Compare monthly fees, APY, opening deposits, and branch access side by side. Deposit insurance is spelled out, not glossed over.

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Compare the account, fees and deposit structure together.

FundingRank distinguishes a bank that is itself FDIC insured from a fintech that places deposits at partner banks. Pass-through coverage depends on eligibility and recordkeeping and protects against failure of an insured bank, not failure of the fintech. APY filters use verified checking yield, exclude separate savings products, and do not rank unlike balance tiers. A missing fee does not qualify for the no-fee filter.

19 Accounts
American Express logo

American Express Business Checking

American Express · Bank
MONTHLY FEE
$0 monthly maintenance fee
APY
1.00% APY on balances up to $500,000; balances above that earn no interest. Variable rate.
$0 to open · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

2 recorded sources · Reviewed Oct 1, 2026
Axos Bank logo

Basic Business Checking

Axos Bank · Bank
MONTHLY FEE
$0 monthly maintenance fee
APY
Not verified in this review; confirm the exact offer.
$0 to open · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

2 recorded sources · Reviewed Oct 1, 2026
MONTHLY FEE
$10 monthly; waived with a $5,000 minimum average daily balance.
APY
Source date needs confirmation: retrieved table shows up to 1.01% but is dated October 2, 2026, after this review.
$100 to open · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

2 recorded sources · Reviewed Oct 1, 2026
MONTHLY FEE
$0 for the first 12 months on the advertised offer; then $16 unless waived.
APY
Not verified in this review; confirm the exact offer.
Opening deposit not verified · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

2 recorded sources · Reviewed Oct 1, 2026
MONTHLY FEE
$29.95 monthly, or $0 with a qualifying waiver.
APY
Not verified in this review; confirm the exact offer.
Opening deposit not verified · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

2 recorded sources · Reviewed Oct 1, 2026
MONTHLY FEE
$0 Standard monthly fee; transaction charges may apply.
APY
1.3% variable APY on up to $250,000 when a monthly activity requirement is met.
$0 to open · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

2 recorded sources · Reviewed Oct 1, 2026
Capital One logo

Basic Business Checking

Capital One · Bank
MONTHLY FEE
$15 monthly, waived with a qualifying balance.
APY
Not verified in this review; confirm the exact offer.
Opening deposit not verified · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

1 recorded source · Reviewed Oct 1, 2026
MONTHLY FEE
$15 monthly; $0 if the account's waiver conditions are met.
APY
Not verified in this review; confirm the exact offer.
Opening deposit not verified · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

1 recorded source · Reviewed Oct 1, 2026
MONTHLY FEE
$0 monthly maintenance fee
APY
Not verified in this review; confirm the exact offer.
Opening deposit not verified · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

1 recorded source · Reviewed Oct 1, 2026
First Internet Bank logo

Do More Business Checking

First Internet Bank · Bank
MONTHLY FEE
$0 monthly maintenance fee
APY
0.50% variable APY with a $10,000 average daily balance
Opening deposit not verified · Online only

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

2 recorded sources · Reviewed Oct 1, 2026
MONTHLY FEE
$0 account maintenance fee; optional subscriptions and transaction fees are separate.
APY
Not verified in this review; confirm the exact offer.
Opening deposit not verified · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

2 recorded sources · Reviewed Oct 1, 2026
Grasshopper Bank logo

Innovator Business Checking

Grasshopper Bank · Bank
MONTHLY FEE
$0 monthly maintenance fee
APY
Tiered variable APY: 1.35% for balances $25,000–$250,000; 1.00% below and above that tier.
$100 to open · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

2 recorded sources · Reviewed Oct 1, 2026
Lili logo

Lili Core

Lili · Fintech
MONTHLY FEE
$0 on Lili Core
APY
Not verified in this review; confirm the exact offer.
Opening deposit not verified · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

1 recorded source · Reviewed Oct 1, 2026
Mercury logo

Mercury Business Banking

Mercury · Fintech
MONTHLY FEE
No required monthly fee; optional paid plans and certain services cost extra.
APY
Not verified in this review; confirm the exact offer.
Opening deposit not verified · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

1 recorded source · Reviewed Oct 1, 2026
NBKC Bank logo

NBKC Business Checking

NBKC Bank · Bank
MONTHLY FEE
$0 monthly maintenance fee
APY
Not verified in this review; confirm the exact offer.
$0 to open · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

2 recorded sources · Reviewed Oct 1, 2026
Novo logo

Novo Business Checking

Novo · Fintech
MONTHLY FEE
$0 monthly maintenance fee
APY
Not verified in this review; confirm the exact offer.
Opening deposit not verified · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

2 recorded sources · Reviewed Oct 1, 2026
Relay logo

Relay Starter

Relay · Fintech
MONTHLY FEE
$0 Starter subscription; transaction charges may apply.
APY
The published 1.19% variable APY applies to Starter savings, not checking.
$0 to open · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

2 recorded sources · Reviewed Oct 1, 2026
MONTHLY FEE
$0 monthly maintenance fee
APY
Not verified in this review; confirm the exact offer.
$25 to open · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

1 recorded source · Reviewed Oct 1, 2026
Wells Fargo logo

Initiate Business Checking

Wells Fargo · Bank
MONTHLY FEE
$15 monthly, or $0 with a qualifying waiver.
APY
Not verified in this review; confirm the exact offer.
$25 to open · Confirm branch access

Fit questions: Does the monthly fee and waiver fit your usual balance? · Do the cash, wire and transaction allowances fit your operating activity?

1 recorded source · Reviewed Oct 1, 2026