Compare the Best Business Bank Accounts in 2026
Choosing the right business bank account is more than just avoiding fees — it’s about finding a financial partner that supports how you run your company. Whether you’re a maker, freelancer, or small business owner, banking can directly impact your cash flow, daily operations, and growth opportunities.
At Laticy.com, we’ve gathered detailed information from banks across the U.S. and organized it into one easy-to-use comparison tool. From monthly fees and transaction limits to wire costs and ATM access, you can see exactly what each account offers before you commit.
Why This Matters
-
Save Money on Fees: Hidden charges add up quickly — our table highlights them all.
-
Understand Limits: Know your transaction, deposit, and POS limits before they catch you off guard.
-
Compare Interest & Rewards: Some banks offer APY or perks, while others don’t.
-
Find the Right Fit: Whether you prioritize low-cost, international wires, or branch access, the right choice depends on your business model.
How to Use This Page
-
Scroll through the table below to compare banks side by side.
-
Use filters and sorting to narrow down by fees, ATM access, or features that matter most.
-
Click “Visit Bank” to learn more or open an account directly. (Some links are affiliate links — at no extra cost to you, we may earn a commission if you choose to sign up.)
Pro Tip
Bank offerings change often. Always double-check the latest disclosures and fee schedules before opening an account. We do our best to keep this comparison up-to-date, but banks may adjust pricing, limits, or promotions without notice.
👉 Explore the comparison below and find the business bank account that fits your needs best. If you’re not seeing a bank you think should be on the list, please drop me a message so I can get it added.
What I’d Actually Look At First
If you’re running a maker business — laser, CNC, UV printing, anything selling physical products in small batches — your banking needs aren’t the same as a typical service business. You’re carrying material costs, dealing with irregular seasonal cash flow (Q4 versus a slow February looks nothing alike), and probably paying a mix of suppliers, marketplaces, and shipping carriers every month. Before comparing interest rates or sign-up bonuses, I’d check three things first: whether the account has a minimum balance requirement that could get uncomfortable during a slow month, how many free transactions you get before fees kick in, and how easy it is to separate materials spending from everything else for tax time. Those three things matter more day-to-day than a headline APY.
This comparison gets updated as bank terms change, but banks move fast on fees and promotions, so treat the table as a strong starting point and confirm current terms directly with the bank before opening an account.
| Bank Name | Visit Bank | Additional Accounts Fee | Mobile Check Deposit Fee | E-Checks Fee | Returned Item Fee (Incoming/Outgoing) | NSF/Overdraft Fee | Stop Payment Fee | Billing Inquiry Fee | Duplicate Transaction Fee | Administrative/Processing Fees | Paper/Duplicate Statement Fee | Physical Check Processing Fee | Monthly Maintenance Fee | Interest Rate | Sign-Up Bonus | ACH Transfer Fee | Same-Day ACH Fee | Domestic Wire In Fee | Domestic Wire Out Fee | International Wire In Fee | International Wire Out Fee | ATM Network | ATM Fees | Foreign Transaction Fees | Business Checks Ordering Fee | Branch Locations | Transaction Limits | Over-Transaction Fee | Deposit Limits | POS Daily Limit |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| American Express Business Checking | | 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 | | 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 | | 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 | | 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 | | 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 | | $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 | | 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 | | 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 | | 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 | | 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 | | 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 | | 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 | | 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 |