Bank Accounts
Every account we track — consumer checking, high-yield savings, business banking, cash management and kids accounts — with the fees, APYs, plan tiers and fine print that decide where your money should live. Chasing a payout instead? See bank bonuses.
| Account | Type | APY | Monthly Fee | Plans | Rating | Best For |
|---|---|---|---|---|---|---|
| Bluevine Business Checking | Business Checking | 1.5% on balances up to $250,000 (Standard, with activity); up to 3.7% on Premier | $0 (Standard) | 3 tiers | 9.0 | Small businesses that want yield on operating cash without fees |
| Mercury Business Banking | Business Checking | None on checking/savings; Mercury Treasury yields roughly 3.0-3.6% net ($250k minimum) | $0 (banking is free on every tier) | 3 tiers | 9.0 | Startups and online businesses that want free wires and serious software |
| Relay Business Banking | Business Checking | Auto-savings pays 1.11% (Starter), 1.75% (Grow), or 3.00% (Scale) as of 5/1/2026 | $0 (Starter) | 3 tiers | 8.5 | Businesses that budget across many accounts and handle some cash |
| Brex Business Account | Cash Management | Treasury money market yields ~4.01% (up to 4.36% at $20M+); checking and Vault pay nothing | $0 (Essentials) | 3 tiers | 8.5 | Funded startups that want maximum yield with a card and spend platform attached |
| Chase Business Complete Banking | Business Checking | None | $15, waived with $2,000 minimum daily balance, $2,000 in Chase Ink card spend, or $2,000 in Chase Payment Solutions deposits | — | 8.5 | Businesses that want a branch bank with the easiest fee waiver and regular bonuses |
| American Express Business Checking | Business Checking | 1.3% on balances up to $500,000 | $0 | — | 8.5 | Digital-first businesses in the Amex ecosystem that never touch cash |
| Live Oak Bank Business Savings | Business Savings | 2.85% on all balances (lowered from 3.00% in January 2026) | $0 | — | 8.5 | Parking business reserves and emergency funds at a top-of-market rate |
| Rho Business Banking | Business Checking | None on checking; savings yield via insured sweep; Rho Treasury nets 3.19-4.39% ($100k minimum) | $0 | — | 8.0 | Incorporated companies that want banking and AP automation in one free platform |
| Ramp Business Account (Ramp Treasury) | Cash Management | Roughly 2.0-2.5% variable on checking (true FDIC interest); Investment Account yields ~4.38% (money market fund, $5k minimum) | $0 (included with Ramp's free tier) | 2 tiers | 8.0 | Ramp card customers who want their operating cash earning FDIC-insured interest |
| Axos Bank Basic Business Checking | Business Checking | None on Basic; Business Interest Checking pays 1.01% under $50k (then 0.10-0.20%) | $0 (Basic) | 2 tiers | 8.0 | Owners who want a real bank charter, ATM refunds, and a signup bonus |
| Grasshopper Bank Innovator Business Checking | Business Checking | 1.35% on $25k-$250k; 1.00% below $25k and above $250k | $0 | 2 tiers | 8.0 | Businesses holding $25k-$250k that spend on debit and want a real charter |
| U.S. Bank Business Checking (Essentials / Gold / Platinum) | Business Checking | None | $0 (Business Essentials), $20 (Gold), or $30 (Platinum); paid tiers waivable | 3 tiers | 8.0 | Low-volume businesses in U.S. Bank's footprint that want free branch banking |
| Capital One Business Checking (Basic / Enhanced) | Business Checking | None | $15 (Basic) or $35 (Enhanced), waivable | 2 tiers | 8.0 | High-transaction-volume businesses tired of per-item fees |
| Huntington Business Checking (100 / Unlimited / Unlimited Plus) | Business Checking | None on 100 and Unlimited; Unlimited Plus is interest-bearing | $0 (100), $20 (Unlimited), or $40 (Unlimited Plus); paid tiers waivable | 3 tiers | 8.0 | Midwest businesses that can catch one of Huntington's big checking bonuses |
| nbkc bank Business Account | Business Checking | None | $0 | — | 8.0 | Small businesses that want zero-fee banking with no fine print |
| Found Business Banking | Business Checking | None on the free tier; 1.50% on balances up to $20,000 with Found Plus | $0 (free tier) | 3 tiers | 7.5 | Self-employed owners who want taxes and bookkeeping done in the bank app |
| Lili Business Banking | Business Checking | Savings pays 2.25% up to $500k and 4.00% on the portion from $500k to $1M (effective 1/13/2026) | $0 (Core) | 4 tiers | 7.5 | Solo owners who want tax automation plus accounting in one subscription |
| North One Business Banking | Business Checking | Up to 2.50% on Standard, up to 3.00% on Plus (activity requirements apply) | $0 (Standard) | 2 tiers | 7.5 | Service businesses that want free interest checking with envelope budgeting |
| Square Square Checking | Business Checking | None on checking; Square Savings pays 1.00%, or 3.50% with $10,000+ saved | $0 | — | 7.5 | Square sellers who want instant, free access to their sales |
| Shopify Shopify Balance | Cash Management | 2.28% rewards rate on balances (3.30% on Shopify Plus), accrued daily and paid monthly | $0 | — | 7.5 | Shopify merchants who want their payout float earning by default |
| Bank of America Business Advantage Banking | Business Checking | None | $16 (Fundamentals) or $29.95 (Relationship), waivable | 2 tiers | 7.5 | Businesses already in the BofA/Merrill ecosystem with Preferred Rewards status |
| PNC Business Checking (Standard / Plus) | Business Checking | None | $12 (Business Checking) or $20 (Business Checking Plus), waivable | 2 tiers | 7.5 | Small businesses in PNC's footprint that want a near-automatic fee waiver |
| Citizens Clearly Better Business Checking | Business Checking | None | $0 | — | 7.5 | Northeast/Midwest businesses that want free, conditionless branch checking |
| First Internet Bank Do More Business Checking | Business Checking | 0.50% with a $10,000 average daily balance | $0 | — | 7.5 | Cash-free businesses that want a direct-charter online bank with no fees |
| Novo Business Checking | Business Checking | None | $0 | — | 7.0 | Freelancers and e-commerce sellers who invoice through Stripe |
| Wells Fargo Business Checking (Initiate / Navigate / Optimize) | Business Checking | None on Initiate; Navigate earns interest; Optimize earns an earnings allowance | $15 (Initiate), $25 (Navigate), or $75 (Optimize); first two waivable | 3 tiers | 7.0 | Cash-heavy businesses that can clear Navigate's balance waiver |
| Truist Business Checking (Simple / Dynamic) | Business Checking | None | $0 (Simple) or $20 (Dynamic), waivable | 2 tiers | 7.0 | Southeast businesses, especially cash-heavy ones that fit Dynamic |
| TD Bank Business Checking (Convenience Plus / Interest Plus) | Business Checking | None on Convenience Plus; Interest Checking Plus earns interest at modest tiered rates | $20 (Convenience Plus) or $15 (Interest Plus), waivable | 2 tiers | 7.0 | East Coast retail businesses that bank in person on evenings and weekends |
| Regions Business Checking (LifeGreen Simple / LifeGreen / Advantage) | Business Checking | None | $7 (LifeGreen Simple), $12 (LifeGreen), or $25 (Advantage), waivable | 3 tiers | 7.0 | Southern businesses that prefer activity-based waivers over balance minimums |