| American Express Business Checking |
Visit Amex Business Bank
| No fee for additional accounts | $0 | No explicit e-check fee (treated as ACH) | $0 returned item fees | $0 (no overdraft fees) | $0 | Not specified | $0 | None explicitly listed | $0 | $0 (physical check processing supported, no fee published) | $0 (no monthly or minimum balance fees) | 1.30% APY on balances up to $500,000 | Occasional sign-up bonus (e.g. 70,000 MR points with deposit) | $0 | $10 (outgoing same-day ACH) | $0 | $20 outgoing domestic wire (typical) | Not published | Not published | 70,000+ Allpoint® & MoneyPass® ATMs free | Free in-network; OON ATM fees apply, no reimbursement | 2.7% FX fee on foreign transactions | Check ordering via third-party (fee varies) | Online-only | Not clearly published | $0 | Not clearly published | Not published |
| Chase Business Complete Banking |
Visit Chase Business Bank
| None | Free | Handled as ACH | Incoming $12, Outgoing $0 | $34/item | $30 | None | None | None | $6/month (waived w/ e-statements) | 20 free, then $0.40 each | $15 (waivable) | No interest | $300 promo | Free standard | $25 | $15 | $35 | $15 | $50+ | Chase + 16,000 ATMs | $3 out-of-network, $5 intl + operator fee | 3% FX fee | Available for order (varies) | Yes, nationwide | 20 free transactions | $0.40/extra | $5,000 free cash deposits | $10,000 POS daily limit |
| Mercury Business Banking |
Visit Mercury Business Bank
| None | Free | Free ACH/e-checks | None listed | No overdraft fees | Not listed | None | None | None | Electronic free, paper N/A | Unlimited transactions | $0 | No interest (Treasury product separate) | None | Free ACH | Free | Free | Free domestic & USD intl | Free (USD wires) | 1% FX conversion fee | Partner networks (Allpoint, MoneyPass) | No fees, but ATM operator may charge | 1% FX on non-USD | No checkbooks provided (must use third-party) | No branches | Unlimited | N/A | No cash deposits accepted | Varies by card issuer |
| Lili Bank |
Visit Lili Business Bank
| None explicitly | $0 | $3.00 per check | $0 returned item fees | $0 (BalanceUp overdraft up to $200 for Pro/Smart/Premium) | $0 | $0 | $0 | None beyond listed | $0 | Not accepted (no in-person/mail check deposits) | Basic: $0, Pro: $15/mo, Smart: $35/mo, Premium: $55/mo | APY with Pro, Smart, Premium (not Basic) | Occasional promotions, not standard | $0 | 1.50% (min $0.50, max $20) | $0 | $15 | $15 (+ conversion fees possible) | $25 (+ conversion fees possible) | MoneyPass (38,000+ ATMs) | Free in-network; $2.50 domestic OON; $5 international + surcharges | $0 debit; 1–3% conversion fee on Business Build Card | Not supported (no checkbooks) | Online-only | ACH inbound linked: $5,000/mo; outbound: $50,000/day, $250,000/mo | None mentioned | Cash: $1,500/day, $3,500/week, $5,000/mo; Mobile check: $50,000/mo | $10,000/day debit purchases |
| Bluevine Business Checking |
Visit Bluevine Business Bank | Sub-accounts available (no explicit fee) | $0 | $18 per e-check | $0 | $0 | $0 | Not specified | $0 | Depends on transaction | $0 | $0 | $0 | Up to 2.0% APY (on balances up to $250,000, with activity requirements) | None | $0 | Depends on plan | $0 | Depends on plan (typically $15) | Depends on plan | Depends on plan | MoneyPass (37,000+ ATMs) | Free in-network; OON fees apply, no reimbursement | Mastercard conversion + possible 1–3% third-party fees | Yes, via third-party ordering | Online-only | Provided after account creation | $0 | Provided after account creation | Provided after account creation |
| U.S. Bank Business Checking |
Visit US Bank Business Bank
| | $0.35 per mobile check deposit item (some accounts) | $0.00 | $20-30 | $32 every transaction covered | $20-35 | $0.00 | $0.00 | Analysis service charges apply if exceeding limits | Paper statement fee unless opting into e-statements | $0.00 | Silver: $0; Gold: $20 (waivable); Premium: $33 | Yes, APY offered (rates vary by balance) | No consistent public offer | Counted toward transaction limits (usually free standard ACH) | $0.00 | $14–$16 (incoming domestic wire) | $20 (outgoing domestic wire typical) | $20-30 | $20-30 | U.S. Bank ATMs + MoneyPass surcharge-free | Free at U.S. Bank ATMs; OON ATM fees apply | 3% of transaction | Yes (50% off first check order via Deluxe) | Physical branches nationwide | Silver: 125 free txns; Gold: 300–350 free; after that $0.45/txn | Yes, $0.45 per excess transaction in Gold | $2,500 cash deposit/ 30cents per $100 over | $10,000 |
| Grasshopper Bank Innovator Business Checking |
Visit Grasshopper Business Bank
| No fee listed for multiple accounts | $0 (mobile check deposit available via app) | Not listed | $10 per returned item | No overdraft service / fee not listed | $25 | Account research $25/hr | None listed | Levy $50, subpoena $25, dormant $5/mo | Not listed | Not listed | $0 monthly maintenance fee | Yes – earns interest (up to 2.25% APY) | None listed | Free | Free | Free | $10 | $5 | $25 | Visa® Debit, MoneyPass® ATM network | Free in-network, OON ATM operator fees apply | No Grasshopper fee; Visa may charge 1–3% FX fee | Not listed | Online-only | Not listed | Not listed | Not listed | Not listed |
| PNC Bank Business Checking |
Visit PNC Bank
| Up to $12 per mo. on reg biz or $22 on plus | Free | Not listed | $12 per returned item | $36 per item (max 4 per day) | $33 | Not listed | Not listed | None specified beyond listed fees | Not listed | Included in transaction limits | $12 (waivable) for Standard; $25 (waivable) for Performance | Yes, variable APY with Business Interest Checking | $400–$1,000 promotional offers (varies) | Free via online banking | Not listed | $15 | $30 | Varies by currency and method | Varies by currency and method | PNC + 60,000 Partner ATMs | Free at PNC ATMs; OON fees apply | Possible conversion fees on international transactions | Available for order (fee varies) | Nationwide physical branches | Transaction limits vary by account type | Charges apply beyond included transaction count | Not published | Not published |
| Wells Fargo Business Checking |
Visit Wells Fargo Bank
| Not listed | Free | Not listed | $12 per returned item | $35 per item (max 3 per day) | $31 | Not listed | Not listed | None specified beyond listed fees | Not listed | Included in transaction limits | $10 (Initiate), $25 (Navigate), $75 (Optimize) — all waivable | Yes, interest available on Optimize tier | Promotions vary periodically | Included with account | Not listed | $15 | $30 | $16 | $45 | 12,000+ Wells Fargo ATMs | $2.50 out-of-network + owner surcharge | Possible conversion fees on foreign transactions | Available (fee varies) | Nationwide branches | Varies by account type | Charges apply beyond included transaction count | Not published | Not published |
| Capital One Business Checking |
Visit Capital One Bank | Not listed | Free via app | Not listed | $10 per returned item | $35 per item (max 4 per day) | $30 | Not listed | Not listed | None specified beyond listed fees | Not listed | Included in transaction limits | $15 (waivable with $2,000+ average balance) | No interest on standard account | Occasional promotions | Free standard ACH | Not listed | $15 | $25 | Varies by account type | Varies by account type | 70,000+ Allpoint® & Capital One ATMs | Free at Capital One/Allpoint; $2.50 out-of-network | Possible Mastercard conversion fee | Available (fee varies) | Physical branches (select states) | Transaction limits vary by account type | Charges apply beyond included transaction count | Not published | Not published |
| Novo Business Banking |
Visit Novo Bank | No fee for multiple accounts | Free | Not listed | No returned item fee listed | No overdraft fees | Not listed | Not listed | None listed | None listed | Not listed | $0 monthly maintenance fee | No interest (non-interest bearing) | None | Free standard ACH | Express ACH fee (varies) | Free incoming wires | Outgoing wires (beta rollout) | Not listed | Not listed | Any ATM (reimbursed up to $7/month) | Reimbursed up to $7/month | Mastercard conversion fees possible | Not listed | Online-only (Middlesex Federal Savings, F.A.) | Not listed | Not listed | Not listed | Not listed | |
| Relay Business Banking |
Visit Relay Bank | No fee for multiple accounts | Free | Not listed | No returned item fee listed | No overdraft fees | Not listed | Not listed | None listed | None listed | Not listed | $0 monthly maintenance fee | Yes, savings accounts up to 2.86% APY | None | Free standard ACH | Not listed | Free | Free | Free | Free | Visa® Debit via Thread Bank | Free at network ATMs | Visa network conversion fees may apply | Not listed | Online-only (Thread Bank, FDIC insured up to $3M) | Not listed | Not listed | Not listed | Not listed | |
| KeyBank Business Checking |
Visit Key Bank | Not listed | Free via Key Capture® Mobile | Not listed | $12 per returned item | $33 per item | $34 | Not listed | Not listed | None specified beyond listed fees | Not listed | Included in transaction limits | $5 (Basic), $25 (Interest), $30 (Rewards) — waivable | Yes, on Business Interest Checking | Promotions vary periodically | Included with account | Not listed | $15 | $30 | Not listed | Not listed | KeyBank ATMs + partners | Free at KeyBank; $3 out-of-network | Possible conversion fees | Available (fee varies) | Branches in 15 states | Varies by account type | Charges apply beyond included transaction count | Not published | Not published |