Credit Compound

Brex

Brex Business Account

Checking, treasury, and vault in one account with yield up to 4.36%

8.5
Our Rating
APY
Treasury money market yields ~4.01% (up to 4.36% at $20M+); checking and Vault pay nothing
Monthly Fee
$0 (Essentials)
Minimum to Open
None (US-incorporated companies with an EIN only)
ATM Access
No ATM or cash access; spend runs through Brex corporate cards

Insurance: Checking via Column N.A. ($250k combined across sub-accounts); Vault sweeps across ~24 program banks for up to $6 million FDIC; Treasury is a money market fund (not FDIC insured)

Plan Options

Essentials

$0

  • ▸Business account, corporate cards, expense management, bill pay, and travel booking
  • ▸Free same-day ACH, free domestic wires, unlimited free checks

Premium

$12 per user

  • ▸Live budgets and policy compliance reporting
  • ▸Anomaly detection and advanced approval workflows

Enterprise

Custom

  • ▸Dedicated senior support
  • ▸Global and multi-entity configurations

Features

  • ▸Three-bucket structure: checking (Column N.A.), Treasury (money market fund), and Vault (FDIC sweep)
  • ▸Treasury yield is tiered from ~4.01% with no minimum, to 4.36% at $20M+
  • ▸One-hour Treasury-to-checking transfers during business hours
  • ▸Up to 240 checking sub-accounts
  • ▸Brex corporate charge cards with points rewards
  • ▸Built-in travel, expense management, and bill pay

Pros

  • +Top-of-market yield with no minimum balance to start earning
  • +$6M FDIC available via Vault for the risk-averse slice of cash
  • +Free wires, ACH, and checks
  • +Card, travel, and expense platform included on the free tier

Cons

  • −Sole props and unincorporated businesses are not eligible
  • −Headline yield is a money market fund, not FDIC-insured interest
  • −Checking FDIC stops at $250k; full protection means parking cash in Vault with 1-2 day transfer lag
  • −Budgets and policy controls require $12/user Premium

Our Take

Brex pays the highest no-minimum yield in business banking, full stop, and the checking-Treasury-Vault architecture lets you dial risk versus liquidity deliberately. The move to $12-per-user pricing made Premium far cheaper for small teams than the old flat fee. Know what you are buying: the 4%+ number is fund yield, not FDIC interest, and Brex still will not bank your sole proprietorship.

Best for: Funded startups that want maximum yield with a card and spend platform attached

Open at Brex →

Last verified 2026-06-11

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