Best Bank Accounts for Small Businesses That Are Established
12. Bank of America Business Advantage Checking
With a Business Advantage Savings account, you’ll pay no fees for stop payments, incoming wire transfers, or choice of other services. You’ll also get QuickBooks integration at no cost and you can open a second Business Advantage Checking account with no additional monthly fee. Though fees are comparatively steep at $29.95 per cycle, you can avoid them in a number of flexible ways, such as spending with a business credit card or maintaining a monthly balance of $15,000. Bank of America also offers merchant and payroll services.
13. U.S. Bank Gold Business Checking Package
If your business has moderate transaction activity, U.S. Bank’s Gold Business Checking Package can manage cash flow with 300 free transactions per statement cycle and 100 cash deposits. U.S. Bank also offers payroll processing and an EZ-Switch Kit to help you conveniently transfer a new business account. You’ll need to apply in person at one of the 3,200 branch locations.
14. Wells Fargo Analyzed Business Checking
This analyzed checking account is best for larger organizations that have a high volume of transactions and complex cash management needs. The account is supported by Wells Fargo’s Commercial Electronic Office, which offers treasury information reporting, online statements, desktop depositing, ACH origination, and online wire transfers. Your business account balance generates an earnings allowance that can be used to offset account fees.
Best Bank Accounts for Small Businesses with High Transaction Volume
15. CitiBusiness Flexible Checking Account
If your small business needs include 500 transactions monthly and averages a monthly balance of at least $10,000, this flexible business bank account may be best suited to you. You’ll pay no fees if you meet the monthly minimum balance (otherwise, fees run between $22 and 25, depending on your state), and can deposit up to $20,000 in currency each month. Citi, which operates physical locations in nine states and Washington, D.C., only accepts applications in person.
16. PNC Business Checking Plus
With this PNC business bank account, there’s no charge for up to 500 combined transactions per month. With more opportunities to offset monthly account maintenance fee than the company’s Business Checking account, Business Checking Plus also offers cash-flow insight and analysis at no charge. You can also earn cash back with PNC’s rewards program, and the bank’s Quick Switch Kit makes it easy to switch banks. Apply online, by phone, or in person.
17. Citizens Bank Business Advisor Checking
If you’re running a best free online bank account business that’s quickly expanding, an upgrade to this Citizen’s account may give you a nice boost. Perks include 500 free check transactions per statement period, $100 off your first order of checks, a 10 percent discount on payroll services, and a business credit card with no annual fee. Combine the balances of your business loans, savings, and money market accounts to help waive monthly maintenance fees.
Best Online-Only Bank Accounts for Small Businesses
A standout in the world of online-only business bank accounts, Novo offers completely free business checking with no hidden fees and won’t charge you for ATM withdrawals, money transfers, account balance minimums, or transaction volume. Overdrafts and withdrawals against unavailable funds are the only actions that will result in a charge, at $27 per transgression. Open an account in mere minutes from your phone with just $50, then easily pay bills and move money between accounts. ACH transfers are a breeze, but if you need to issue a physical check, they’ve also got you’ve covered. Digital entrepreneurs will appreciate Novo’s clever cash-flow insight and analysis with easy-to-comprehend feedback, and, as a digital native, this business bank also takes integration seriously, too, interfacing with QuickBooks, Stripe, Slack, and Xero.
Designed for digital entrepreneurs who want access to hassle-free, integrated tools, an online-only account with Azlo allows you to send and receive (by check or bank transfer) unlimited domestic payments entirely fee-free. (International payments are on the way.) Azlo integrates with Stripe and Square seamlessly and plans to connect with Etsy, Paypal, QuickBooks, and Xero next. Partnered with Compass Bank, Azlo offers FDIC backing and all the relevant security. Azlo is also committed to supporting immigrant entrepreneurs, whom the bank describes as “the most entrepreneurial group in the U.S., starting businesses at twice the rate of the rest of the population.” With no international transaction fees, unlimited transactions, no minimum balance requirement, no incoming wire fees, instant payments with other Azlo members, and a fully digital setup, the future of banking lives here.
20. Axos Basic Business Checking
Designed for small businesses with moderate account activity, Axos (which until recently was called Bank of Internet USA) charges no monthly maintenance fees and offers unlimited domestic ATM fee reimbursements. You’ll get your first set of 50 checks free, QuickBooks compatibility, 200 free combined transactions per month (30 cents per item thereafter), and free bill pay. For a low-fuss account, the minimum opening deposit is comparatively higher than some banks on this list at $1,000.
21. TIAA Small Business Checking Account
Created exclusively for sole proprietors and single-owner LLCs, TIAA’s Small Business Checking Account offers no monthly maintenance fees and competitive APYs (from .20 to .61 percent) on balances. You’ll need $1,500 to open an account but will be reimbursed for ATM fees. Other services include domestic and foreign wire transfers, comprehensive bill pay solutions, ACH transfers, and state and federal tax payments.
22. Axos Business Interest Checking
If you’re a growing business with some cash reserves, this Axos business bank account offers competitive interest rates and no monthly maintenance fee with an average daily balance of $5,000. (Otherwise you’ll pay $10 monthly.) Like the bank’s Basic Business Checking account, you’ll receive unlimited domestic ATM fee reimbursements and your first 50 checks free. But this account is best for the small business with low transaction rates: Included are 50 combined items per month (you’ll be charged best free online bank account cents per item thereafter) and 60 remote deposits.
ClearCheckbook Money Management
ClearCheckbook is Everywhere You Are
We make managing your finances easy by providing access to your data from any device that has internet connectivity. With ClearCheckbook you don't need to feel like all of your financial data is trapped on your PC.
ClearCheckbook can be accessed from more than one location and best free online bank account multiple devices simply by logging into your account. All of your data is stored centrally on our servers so no matter which device you check, all of your information is up to date.
This cloud-centric approach makes it extremely easy to enter your transactions, check account balances, view budgets and more from anywhere you have an internet connection.
Out at the store buying groceries? On the couch surfing on your tablet? No problem, use one of our mobile apps to access ClearCheckbook. Any changes you make will be immediately synced with our server.
This syncing approach is very useful for couples or families with joint bank accounts. If one person is out shopping and entering their transactions, the other person can immediately see the effect of this on their account balances from their phone or computer.
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