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10 Best Online Banking Accounts -

Compare 2025's top online banking accounts—low fees, high rewards, and flexible options.

User's Choice
1
Alt Example
9.9
Outstanding
  • Putting you in complete control of your cashflow
  • Open up to 20 checking accounts and 50 virtual or physical debit cards free
  • Features no account fees & no minimum balance requirements
  • Integrates directly with accounting software
  • Earn up to 3% APY with an automated savings account
0  people visited this site this week
2
Alt Example
9.7
Excellent
  • Best Banking for LLC and Corporations
  • Integrates with top business tools, including Quickbooks, Xero, Stripe and Amazon.
  • Get paid up to 2 days quicker with Novo Boost
  • No monthly fees or minimum opening deposit
  • Get $7/mo refunds on all ATM fees worldwide.
0  people visited this site this week
3
Alt Example
9.6
Excellent
  • Banking platform for small businesses
  • Earn a $300 cash bonus using code FIN300²
  • Earn up to 3.7% APY on balances up to $3 million
  • Free ACH and incoming wire transfers
  • Unlimited transactions, no overdraft fees or fees on ACH payments, incoming wires¹
  • Get up to $3 million in FDIC insurance—that’s up to 12x the national average
0  people visited this site this week
4
Alt Example
9.5
Great
  • Earn up to 3% APY* on your balance
  • No maintenance fees or overdraft charges
  • Reimbursement for up to six third-party ATM fees**
  • Unlimited Standard and Same-day ACH Payments
0  people visited this site this week
5
Alt Example
9.4
Great
  • Digital Banking Built for Small Business
  • Earn up to 3.55% APY with Grasshopper's Innovator Bundle
  • Earn unlimited 1% cash back on everyday debit card purchases
  • Unlimited transactions and no monthly or overdraft fees
0  people visited this site this week
6
Alt Example
9.1
Very Good
  • Earn and save more with 4.20% APY¹
  • Earn a $300 bonus on your deposits³
  • Earn 9x the national average²
  • No monthly maintenance fees
  • Online account opening and management
  • FDIC insured up to $250,000 per depositor, for each account ownership category
0  people visited this site this week
7
Alt Example
8.9
Very Good
  • Your all-in-one business account for global success
  • Multi-currency business account, sign-up and get a $500 bonus
  • High-speed international transfers at above interbank rates
  • Integrate with popular software platforms and marketplaces like Shopify, WooCommerce, Xero, Quickbooks and more
0  people visited this site this week
8
Alt Example
8.8
Good
  • Manage your business with Rho’s suite of products
  • Up to $1500 statement credit welcome offer*
  • Business checking account with no ACH fees**
  • AP automation with zero platform fees
  • Savings account deposits are FDIC-insured up to $75M****
0  people visited this site this week
9
Alt Example
8.6
Good
  • All-in-one banking platform for the self-employed
  • No monthly fees, account fees, or minimums
  • No monthly fees, account fees, or minimums
  • Track finances and organize taxes end-to-end
0  people visited this site this week
Our Top Choice
Alt Example
9.9
Outstanding
  • Putting you in complete control of your cashflow
  • Open up to 20 checking accounts and 50 virtual or physical debit cards free
  • Features no account fees & no minimum balance requirements
  • Integrates directly with accounting software
  • Earn up to 3% APY with an automated savings account
0  people visited this site this week

Finding the Best Business Checking Accounts with No Fees or Minimums

For business owners seeking simplicity and affordability, a business checking account with no fees and no minimum balance is an excellent choice. Many online banks now offer free business checking accounts that are perfect for small businesses, startups, or entrepreneurs who want to minimize banking costs. These free business checking accounts often come with essential features such as unlimited transactions, mobile deposits, and bill pay—all without the hassle of monthly maintenance fees or hidden charges.

If you're looking for a business checking account that doesn’t require a minimum balance, there are plenty of options available. A no minimum business checking account gives you the flexibility to manage your finances without worrying about maintaining a large deposit in your account. This feature is particularly helpful for businesses with fluctuating cash flow, as it ensures you don’t incur unnecessary fees just for keeping your balance low.

When choosing a business checking account, it's also worth considering accounts that offer no fee business checking, which can provide even more savings in the long run. Free accounts that don’t charge maintenance fees, ATM fees, or transaction fees can significantly reduce the overhead costs for your business. Many of these accounts are designed for convenience, offering free online tools to track your spending, manage payments, and transfer funds easily.

If you’re ready to switch to a new business account, you’ll find that there are many banks offering free business checking accounts with no hidden fees or requirements for minimum deposits. These accounts help businesses save money and improve cash flow management, offering both peace of mind and financial flexibility. Whether you're just starting out or are looking to simplify your banking, a free business checking account with no fees or minimum balance requirements can be a great fit for your business.

Disclaimers


Rho:

* $500 statement credit for a $10K deposit into the Business Checking account, or a $1500 statement credit for a $100K deposit into the same account. Terms apply.
**Rho is a fintech company, not a bank. Checking and card services provided by Webster Bank, N.A., member FDIC.
***Savings account services and up to $75M in FDIC insurance provided by American Deposit Management Co. and its partner banks. Rho  a financial technology company, not a bank or an FDIC-insured depository institution. The FDIC's deposit insurance coverage only protects against the failure of an FDIC-insured bank that holds your deposits and is subject to FDIC limitations and requirements. It does not protect you against the failure of Rho or other third party. For more information on deposit insurance, please visit the FDIC website.

North One:

*The Annual Percentage Yield ("APY") for your Standard or Plus Plan is variable and may change at any time. 2.50% APY applies to Standard Accounts, and 3.00% APY applies to Plus Accounts on balances of $250,000 or less if eligibility requirements are met, including but not limited to a cumulative monthly card spend of at least $500.00, and if the account balance is greater than $0.00. For Accounts with balances over $250,000 the APY will range from 3.00% to 2.14% for Plus Plans and 2.50% to 1.78% for Standard Plans. The disclosed APY is effective as of December 18, 2024, please see your APY Program Terms & Conditions for details.
**2 North One does not charge a fee for this service, but may reimburse you for third party fees charged. You must contact Support to request reimbursement. Some restrictions apply. See Deposit Account Agreement for details.

Bluevine:
 

¹ No limit on numbers of transactions, However, all accounts are subject to the aggregated monthly deposit and withdrawal amount limits of the Account Agreement.

²You can earn $300 when you open a new Bluevine Business Checking account and meet elgibillity requirments

Live Oak Bank - Business Checking:

¹Fee structure for business checking accounts is as follows: Business Essential is $10/month waivable with $1,000 average daily balance; Business Plus is $25/month, waivable with $25,000 average daily balance; and Business Plus Analysis is $100/month, earnings credit can offset fees.
²If you use a non-Allpoint ATM, that institution may assess a transaction fee.
³Personal Savings $300 Bonus Terms & Conditions:
·         Full information here.
·         Customers must open a new account; one bonus per tax identification number.
·         Account must be funded from an external account.
·         Existing Customers must maintain existing balances in their personal savings accounts.

Axos:
 

*Open a business checking account by Jan. 31 and get up to $400 when you use promo code NEW400 on your application and maintain a minimum average daily balance of $50,000.


U.S Bank:
 

¹ Earn a $500 bonus when you open a Silver Business Checking Account or $900 when you open a Platinum Business Checking Account online with promo code Q1AFL25 and complete qualifying activities, subject to certain terms and limitations. Offer valid through March 31, 2025. Member FDIC.


Mercury:
 

*Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group and Evolve Bank & Trust, Members FDIC.
¹ Up to $5 million in FDIC insurance through their partner banks/sweep networks.
² Free wire transfers in USD. Mercury is a fintech company, not an FDIC-insured bank.
³ Mercury Treasury is not insured by the FDIC. Mercury Treasury are not deposits or other obligations of Choice Financial Group or Evolve Bank & Trust, and are not guaranteed by Choice Financial Group or Evolve Bank & Trust. Mercury Treasury products are subject to investment risks, including possible loss of the principal invested. See mercury.com/treasury for additional disclosures.
⁴ Deposits in checking and savings accounts are held by our banking services partners, Choice Financial Group and Evolve Bank & Trust ®; Members FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through insurance to apply.


Found:
 

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

*To qualify for the $125 bonus, a user must (1) have a balance of $5,000 in their Found account within 30 days of account creation; and (2) must maintain a minimum balance of $5,000 for 30 days. Account must be opened by 04/30/2025. This offer is valid through 05/30/2025 and is limited to one reward per account.
.**Found's core features are free. Found also offers an optional paid product, Found Plus for $19.99 / month or $149.99 / year.


Relay:
 

Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank; Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.