Best business checking accounts of June 2026

A well-picked business checking account can make a positive impact on the financial operations of your business. And since each business has unique needs, it pays to take your time and compare different accounts before deciding on one. 

To make your search easier, CNBC Select reviewed dozens of business checking accounts with digital and in-person access. We considered many factors when ranking the best accounts, including invoicing support, payment flexibility, fees and interest rates. (Read more about our methodology below.)

Who's this for? Novo Business Checking is a great option if you want to establish a business presence and separate your personal and work finances.

Standout benefits: Novo allows unlimited transactions and refunds all ATM fees worldwide, up to $7 per month. It provides tools for unlimited invoicing, as well as integration with some common business tools, including Stripe, Shopify, QuickBooks and Xero. You'll also get access to discounts on eligible business services and software.

Who's this for? Bluevine Business Checking is great for small business owners. It doesn't limit the number of transactions you can make and charges no monthly, minimum daily balances or non-sufficient fund fees. Additionally, it doesn't charge for overdrafts or ACH payments.

Standout benefits: Bluevine provides the opportunity to earn interest. It also offers useful business-centric features like the ability to deposit checks from your phone, sync your account with QuickBooks online and share access with your team by giving your employees dedicated logins.

Who's this for? The Found business checking account can be an excellent choice if you're a freelancer or independent contractor. It charges no mandatory monthly fees* and doesn't require a minimum opening deposit — and it's free to sign up.

Standout benefits: Found offers a base version with a ton of functionality. The base version has no mandatory monthly maintenance fee, overdraft fees or minimum balance requirements. Access to built-in bookkeeping and tax tools; integrations with Stripe and Quickbooks; unlimited customizable invoices; offers Found Plus and Found Pro, which are an optional subscriptions for advanced tools* Additionally, you can link your account to payment and business apps such as Cash App, PayPal and Venmo, as well as Stripe and Quickbooks.

Who's this for? Lili enables easy business spending through its Lili Visa Debit Card, which syncs to its checking account. This card also allows accountholders who upgrade to a Lili Pro, Lili Smart or Lili Premium account to earn cash back when you spend with merchants participating in the Visa SavingsEdge® program. Business owners can also take advantage of joint user access on the card. 

Standout features: Overdrafts on the Lili banking account are covered for up to $200.

Who's this for? The Axos Basic Business Checking offers unlimited domestic ATM fee reimbursements, so you don't need to worry about whether an ATM is in-network.

Standout benefits: If you open a new Basic Business Checking account and use the promo code START200*, you can earn a welcome bonus of up to $200. Maintain an average daily balance of $3,000 over your account's first few months. You'll earn up to $50 cashback per calendar month, up to $200 total. This account doesn't have a monthly maintenance fee, minimum monthly balance requirement or minimum deposit to open the account. It offers free domestic and international incoming wire transfers, as well as two reimbursed outgoing wires each month.

Who's this for? The Axos Business Interest Checking is ideal if you're on the market for a welcome bonus.

Standout benefits: This account lets you earn up to 1.01% APY on your balance.

Who's this for? Chase Business Complete Banking® is an excellent choice for many types of businesses because of its generous cash bonus, built-in card acceptance and large network of over 4,900 physical branches.

Standout benefits: When you open a new Chase Business Complete Checking account, you can earn up to $500 with qualifying activities. Offer ends 10/16/2025. Ongoing benefits include access to QuickAccept and QuickDeposit. QuickAccept allows you to accept card payments with a mobile card reader or through the Chase app. QuickDeposit offers a few options to scan and deposit checks, such as taking a picture of your check in the mobile app or signing up for a multiple-feed scanner to scan as many as 50 checks at once.

Who's this for? Bank of America Business Advantage Relationship Banking can be a good option if you're handling up to $20,000 in monthly cash deposits.

Standout benefits: This account allows you to make cash deposits of up to $20,000 per month for free. Other perks include access to digital tools like Zelle, Cash Flow Monitor and Business Advantage 360. Cash Flow Monitor provides tracking of credits and debits, cash flow projections and support from small-business specialists. Business Advantage 360 lets you pay bills, view and manage statements and transactions and download activity to QuickBooks. You can also connect your account to third-party apps like TurboTax and Expensify.

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Who's this for? The Capital One Enhanced Checking account is worth considering if your business has higher balances and transaction volumes.

Standout benefits: Incoming domestic wires are free and your first five outgoing wires are free each month. You can deposit checks via a remote scanner service without visiting a Capital One branch. The account also allows you to get up to two Basic Checking accounts with no monthly service fees.

When deciding whether to open an online business checking account or go with a brick-and-mortar bank, consider how you manage your business day to day.

Online-only banks have lower fees and usually no or low minimum balance requirements. And for many businesses, invoicing, payments, accounting and payroll are all done electronically.

On the other hand, if your company still handles large amounts of cash or checks, a local branch where you can deposit or withdraw at the end of the business day may be more convenient.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every checking account review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of banking products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best business checking accounts.

To determine which business checking accounts offer the most convenience, CNBC Select analyzed dozens of U.S. business checking accounts offered nationwide by online banks as well as those with physical branches. We narrowed down our rankings by considering no-fee checking accounts or accounts with easy ways to waive the monthly maintenance fees.

We compared each checking account on a range of features, including:

• Fees
• Minimum balance requirement
• Mobile banking ease
• Small business tools and support
• Large ATM network
• Account accessibility
• Customer reviews, when available

All accounts included on this list are either members of the Federal Deposit Insurance Corporation (FDIC) or FDIC-insured through partner institutions. This insurance protects and reimburses you up to your balance and the legal limit in the event your bank or credit union fails.

Rates and fee structures for checking accounts are subject to change and fluctuate in accordance with the prime rate.

Your earnings depend on any associated fees and the balance you have in your checking account. To open an account, some banks and institutions may require a deposit of new money, meaning you can't transfer money you already had in an account at that bank.

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Novo is a fintech company; not a bank. Deposit account services provided by Middlesex Federal Savings, F.A., Member FDIC.  Physical debit cards issued by Middlesex Federal Savings or Patriot Bank, N.A., Member FDIC;  virtual cards issued by Patriot Bank, pursuant to licenses from Mastercard® International Incorporated.  Mastercard can be used everywhere Mastercard is accepted.  Mastercard is a registered trademark of Mastercard International Incorporated.

Found is a financial technology company, not a bank. Business banking services are provided by Lead Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. FDIC insurance only covers the failure of an FDIC-insured depository institution. The Found Mastercard Business debit card is issued by Lead Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.

*Optional subscriptions to Found Plus for $35/month or $315/year or Found Pro for $80/month or $720/year. Discount rates may apply. There are no monthly account maintenance fees, but other fees such as transactional fees for wires, instant transfers, and ATM apply. Read more.

**Direct deposit funds may be available for use for up to two days before the scheduled payment date. Early availability is not guaranteed."

* See disclosures here: https://www.axosbank.com/business/business-checking-accounts/basic-business-checking