The listings featured on this site are from companies from which this site receives compensation. Advertising Disclosure

Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield). Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.

Disclosure

Updated on07/21/2025

10 Best Online Banking Accounts -
July 2025

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

Nationwide Availability of Online Business Checking Accounts Across the USA

When selecting an online business checking account, one crucial aspect to consider is the geographic availability and accessibility of services across the United States. Whether you operate in the snowy ranges of Alaska or the sunny coasts of Florida, it's essential to have an online banking service that caters to your business needs without geographical constraints.

Online business checking accounts are designed to serve a broad spectrum of businesses across all fifty states, ensuring that whether your business is located in California, Texas, New York, or any other state, you have equal access to banking services. This nationwide coverage not only includes the contiguous states such as Oregon, Nevada, and Illinois but also extends to Hawaii and Alaska, providing comprehensive banking solutions irrespective of location.

For businesses operating out of less populous states like Montana, Wyoming, or the Dakotas, online business checking accounts offer the same level of service and accessibility as they would in more densely populated areas like New Jersey, Virginia, or Maryland. This uniform service across states like Colorado, Utah, and Arizona ensures that businesses can perform banking tasks with ease, from Seattle, Washington to Miami, Florida.

The benefits of such widespread availability include the ability to manage business finances in Maine, conduct transactions in Mississippi, or review account balances in New Mexico, all with the same ease. Whether you are a real estate agent in Nevada, a startup in Silicon Valley, California, or a non-profit organization in North Carolina, the flexibility and accessibility of online business checking accounts remain consistent across America.

Moreover, businesses in states with diverse economies such as Georgia, Pennsylvania, and Michigan can leverage the features of online business checking accounts tailored to their specific needs. This nationwide approach helps ensure that whether your business is in Ohio, Indiana, or Missouri, you can enjoy features like mobile check deposits in Kansas, automated bill payments in Kentucky, or real-time transaction alerts in Louisiana.

In conclusion, the availability of online business checking accounts across all U.S. territories and states—from Massachusetts, Connecticut, and Rhode Island, to South Carolina, Tennessee, and beyond—guarantees that businesses from West Virginia to Wisconsin and from Idaho to Iowa can benefit from high-quality online banking experiences. This ensures that regardless of where you are located—from Nebraska to the bustling streets of New York or the quiet towns of Vermont—your business banking needs are met with reliability and efficiency across the USA, truly embodying the connected spirit of America's diverse economic landscape.

What You Should Know About Online Banking for Business Accounts
Online Banking for Business Checking Accounts
Which Banks Offer the Best Business Checking Accounts and What Are the Benefits?
Online Business Accounts vs. In-Person Banking for Business
Different Types Of Online Banking Accounts
Is Online Banking Safe for Business Accounts?
Small Business Banking

What You Should Know About Online Banking for Business Accounts

Online banking provides a fast, easy way to manage both personal and business finances. A business checking account is especially beneficial for entrepreneurs, allowing you to handle essential transactions without needing to visit a branch. Through online banking, you can check your business account balance, make payments, deposit checks, and access funds whenever necessary. Understanding the basic features of business checking accounts can help streamline your financial processes and ensure your operations run smoothly.

Online Banking for Business Checking Accounts

With a business checking account, online banking opens a world of convenience, letting you manage everything from a desktop or mobile device. Previously, business owners relied on in-person bank visits for activities like depositing checks or transferring funds. Now, with a business checking account, these can be done faster, right from the office or home.

The best business checking accounts offer 24/7 access, letting you monitor balances, pay vendors, transfer funds, and manage essential transactions with ease. Setting up one of the best business checking accounts online is straightforward; once you've chosen a secure username and password, you’ll have full access. Security is crucial, so it’s advised that holders of the best business checking accounts keep login credentials private.

Many banks also provide apps tailored for business accounts, enabling users to manage their business checking accounts from anywhere. Using an app, you can log into your business checking account and access essential features like transaction history, account balance, and automated payment setup.

Which Banks Offer the Best Business Checking Accounts and What Are the Benefits?

Nearly all major banks and credit unions offer options for the best business checking accounts. With the best business checking accounts, you can perform tasks that are essential for managing a business, including:

Review your business checking account balance
Transfer funds to other accounts, including business savings accounts
Make payments automatically for recurring expenses
Pay bills through your business checking account
Apply for loans to support your business
Deposit checks via mobile, simplifying cash flow management
Generate statements for record-keeping and reporting
Track completed or pending transactions in your business checking account

Online Business Accounts vs. In-Person Banking for Business

There are numerous advantages to using online banking for business accounts instead of in-person banking. Key benefits of the best business checking accounts include:

Available 24/7 for checking balances or making transfers
Faster transfers, especially if both accounts are within the same bank
Save time by eliminating the need for in-branch visits
Access all your business checking account information, past transactions, and statements without additional documentation
Use your business checking account for all types of transactions, including payroll and supplier payments
Schedule recurring payments from your business checking account, minimizing manual payment tasks
Securely view your business account balance and receive alerts on new activity

One notable limitation of online business checking accounts is that they can’t dispense cash; ATM visits are still necessary for cash withdrawals.

Different Types Of Online Banking Accounts

Saving Account:

An online banking saving account is a secure and convenient way for individuals to save money and earn interest on their deposits. Operating entirely through online platforms, these accounts offer easy access to funds while eliminating the need to visit physical bank branches. With features such as online transfers, mobile banking, and automatic savings plans, customers can efficiently manage their savings from the comfort of their homes. Online saving accounts often come with competitive interest rates, allowing account holders to grow their savings over time. Additionally, many banks provide FDIC insurance to ensure the safety of deposited funds up to the specified limit. This type of account is ideal for those seeking flexibility, higher interest rates, and user-friendly banking experience.

Checking Account:

Online banking checking accounts are designed to facilitate everyday financial transactions and provide easy access to funds through digital channels. These accounts offer a range of features, including online bill payments, mobile check deposits, and real-time transaction monitoring. Account holders can make purchases with a linked debit card, transfer funds to other accounts, and manage their finances efficiently using online tools and applications. The convenience of online banking allows customers to check their balances, review transaction history, and receive alerts on their devices. With the added benefit of FDIC insurance, online banking checking accounts offer a safe and modern banking solution for individuals who prefer the flexibility of digital banking services.

Business Checking Account:

A business checking account is essential for managing daily transactions, handling payments, and keeping business finances organized. Business checking accounts include tools designed to help business owners streamline operations. Features include check-writing capabilities, debit cards, and options for electronic transfers. A business checking account is ideal for separating personal and company finances, ensuring clear financial records and smoother management. Banks also offer services such as payroll support and financial guidance, adding further value to the best business checking account options available.

Online business checking accounts, in particular, are becoming a preferred choice due to their convenience and competitive fees. With a business checking account online, entrepreneurs can stay on top of their finances, manage payments, and track balances in real time.

Is Online Banking Safe for Business Accounts?

For those concerned about security, online banking is indeed a safe option for managing a business checking account. Banks implement advanced encryption and security protocols to safeguard business account details and protect against unauthorized access. Business account holders should, however, adopt best practices, such as keeping login credentials secure, using password-protected networks, and enabling two-factor authentication for added security on their business checking accounts.

Using a business checking account through online banking is efficient, intuitive, and secure, making it an invaluable tool for modern businesses. Safe, fast, and user-friendly, a business checking account provides the reliability and flexibility needed for business success, all at your fingertips.

By focusing on the right options, you’ll find the best business account to fit your company’s unique needs. An optimized business checking account can streamline processes, cut down on costs, and make managing business finances simpler than ever. However, as a client, it’s your responsibility to adopt proper security measures to prevent anyone else from accessing your bank account. Here are a few basic security rules you should follow:

don’t let anyone know your online bank account credentials and keep them somewhere safe
only access your online bank account from a safe internet network that’s password-protected
enable 2-factor authentication on your account; this security measure involves using a unique code you receive by phone or email in order to authorize and complete online transfers

Online banking is an extremely convenient method to check your finances and make payments at any time of day or night. Safe, fast, and intuitive, this service can streamline your bank transactions and help you save time and money.

Choosing the Best Small Business Bank Account: Features, Benefits, and What to Look For

Running a small business comes with a lot of financial decisions, and one of the most important is choosing the right small business bank account. Whether you're just starting out or have been operating for years, selecting the best small business bank account can make a significant difference in how you manage your finances. The right account helps you keep your personal and business finances separate, saves you time, and provides you with the tools needed to grow your business efficiently.

In today’s fast-paced world, many business owners are turning to the best online banking for small business for its flexibility, lower fees, and easy access to features like mobile banking and online transactions. In this guide, we’ll discuss the key features and advantages of small business banking accounts and explain how to choose the right one for your business needs.

Key Features of the Best Small Business Bank Accounts

When searching for the best small business bank account, consider the following features that can help you manage your money more effectively:

Low or No Monthly Fees: The best small business bank account should have low monthly fees or even no fees, depending on your account balance and transaction frequency. Many accounts offer fee waivers if you maintain a minimum balance, have a certain number of transactions per month, or deposit a set amount regularly.

Free ATM Access: For business owners who need to access cash frequently, it’s important to find a bank that offers free ATM access or reimburses out-of-network ATM fees. This feature is especially important if you deal with cash transactions or have employees who need to make regular cash withdrawals.

Online and Mobile Banking: A strong online presence is essential for business owners today. With the best online banking for small business, you can manage your account anytime, anywhere, which is particularly useful for businesses that operate outside regular banking hours. Mobile banking features like check deposits, fund transfers, and bill payments add a layer of convenience that traditional banks might not offer.

Integration with Accounting Software: Some of the best online banks for small business offer seamless integration with popular accounting software like QuickBooks or Xero. This integration can save you time and reduce the chances of errors when tracking expenses, income, and taxes.

Cash Deposit Capabilities: For businesses that handle cash regularly, you’ll need a bank that allows easy and affordable cash deposits. Some online bank for small business accounts have partnerships with retail locations where you can deposit cash without visiting a branch.

Customer Support: Having reliable customer support is crucial when managing a small business bank account. Whether you have questions about transactions or need assistance with online banking tools, being able to reach a helpful representative is essential.

The Advantages of Online Banking for Small Business

Many business owners are shifting toward online banking for small business for the following reasons:

Convenience: One of the biggest advantages of best online banking for small business is the ability to access your account from anywhere, at any time. With a reliable internet connection, you can check balances, transfer funds, and pay bills without stepping foot into a bank branch.

Lower Fees: Since online banks don’t have the overhead costs associated with physical branches, they often offer lower fees than traditional banks. This can make a significant difference for small businesses looking to reduce operational costs.

Faster Transactions: Online banks typically process transactions more quickly than traditional banks, allowing for faster access to funds and more efficient money management. Some best online banks for small business even offer instant transfers between accounts, which can be especially helpful for businesses that need immediate access to their funds.

No Need to Visit a Branch: The convenience of being able to open a business checking account online is one of the biggest reasons small business owners are turning to online banking. You can complete the entire application process from your computer or mobile device, which saves both time and effort.

Security and Monitoring Tools: The best online banking for small business offers advanced security features like encryption, multi-factor authentication, and account monitoring tools to protect against fraud. This gives business owners peace of mind when managing their finances online.

How to Choose the Best Bank for Small Business

When selecting the best bank for small business, here are a few important factors to consider:

Bank Type: Decide whether you prefer a traditional bank or an online bank for small business. Traditional banks may offer more in-person services and ATM access, while online banks typically provide more convenience and lower fees.

Transaction Needs: Evaluate how often you make deposits, withdrawals, and transfers. Some banks have limits on the number of free transactions, while others charge fees for exceeding a set number. If your business handles high volumes of transactions, look for an account that offers unlimited or free transactions.

Account Features: Make sure the account has the features you need to run your business efficiently. Consider things like mobile banking, invoicing tools, payment processing, and integration with accounting software.

Customer Support: Look for a bank that offers strong customer support, especially if you're choosing an online bank for small business. While many online banks offer excellent digital tools, sometimes you may need assistance with specific banking issues.

Fees: Carefully compare fees across different banks. While many online banks have fewer fees than traditional banks, make sure to check for hidden fees such as overdraft charges, transaction fees, or account maintenance fees.

Conclusion

Choosing the best small business bank account can have a major impact on how you manage your business’s finances. By considering factors like fees, online features, customer support, and cash deposit options, you can find an account that meets your unique needs. Whether you prefer the flexibility and low fees of an online bank or the more traditional services offered by brick-and-mortar banks, there are plenty of options out there to help you succeed.

If you’re ready to take the next step, you can even open a business checking account online, making the process quick and easy. With the right small business banking accounts in place, you’ll have more time to focus on growing your business while keeping your financial operations organized and efficient.

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.

Frequently Asked Questions(FAQ)

Are Online Banks Safe?

We can say that generally, online banking is pretty safe. Banks have put mechanisms in place to protect your money as well as their reputation. You will notice that the URL begins with “https”, that means it is a secure website, and it will encrypt your information so that no one can see it.

Usually they require you go through a series of steps before you can log in. As mentioned earlier, they could send you a confirmation code on a message to your phone, they may use biometric technology if your phone allows you to. Some banks give you a card reader, it is a small device that generates a unique code every time you put your PIN number and log into their website.

And finally, good online banks will log you out automatically after a certain time of inactivity. Although it can be annoying sometimes, this feature enhances the safety of the system.

How Can I Secure My Online Bank Account?

Of course, there are steps you can take to enhance the security of your online bank account.

Don’t use the same password for several accounts.

Make sure your passwords are strong. Some people use words that are common for their password, or a series of keys that are near on the keyboard (like “qwerty” or “09876”). That’s not safe. Neither is it safe to use your personal details as part of your password. There is no need to mention how dangerous it is to share your PIN number or your password with other people. This should never be done.

When you finish your banking activity, don’t forget to log out. This is especially important if you have used someone else’s device. And be extra cautious if you are doing your online banking from a public computer, like the one in the library. It could be that the security level of their software is not what you need. You do well in asking about their software before attempting to bank on it.

Finally, keep an eye on your account. Small scams can go unnoticed, so regularly check that all the transactions in your account are correct, and make sure that your details are updated and correct. Some find it practical to set a reminder on their phones to do this regularly. If you see something you don’t recognize, report it quickly so that your bank can explain what it is or protect you from scams.

What’s the Difference Between Net Banking and Mobile Banking?

The truth is that both are related, but there are some differences too. Online banking or Net banking refers to all the bank transactions that we do over the internet using the bank’s website. In order to do that you usually have to create an ID and a password to log in. Whether the bank has a local branch or is only an online bank, once you access their website you can check your balance, print any statements that you need and even apply for a credit or a loan.

On the other hand, mobile banking usually requires the use of an application designed for tablets or smartphones. It can also refer to using text messages for certain bank transactions. The services you have access to are very similar and, since most mobile devices feature a camera nowadays, you can even make a check deposit by taking a picture of both sides of the check using your inbuilt camera and the banking app.

Other times, when the transaction is unusual, the bank may want to check that you are really the one ordering it. So it may ask you to confirm it on your app, or by asking you to use a code that they send to your phone via text message.

What Are the Downsides of Having Online Banks?

Nobody would disagree with the fact that online banking has many advantages. No more queues when you want to pay your bills or your taxes. You can also quickly make a cash transfer if you need to, or have a retirement account and make deposits on it to give you peace of mind.

However, all that glitters is not gold, right? What are the downsides of having an online bank?

To begin with, you lose that personal touch of interacting with another human. Usually, bank managers have some authority to make changes in their services, or even in cancelling some fees, while online banking is stricter.

What would happen if the internet goes down? Disruptions in technology can negatively affect your online banking. Problems with your phone, issues with the bank servers or lack of internet signal, you name it. All can easily disrupt your bank transactions.

Many are also concerned about security. Hackers are getting better and better: phishing emails, fraudulent websites that mimic your bank’s website, and identity theft are some of the dangers you are exposed to when you do online banking. But don’t worry too much, we will see how you can protect yourself in a minute.

What Are the Benefits of Online Banking ?

Keep an eye on your balance and transactions at any time
Save time in travelling to the bank’s branch and queueing
Do urgent transactions when and where you most need it
Add biometric safety measures
Save some money

The Bottom Line

online banking has come to stay. It obviously has many benefits, and also some downsides. But safely banking from your sofa is priceless! Don’t forget that there are several ways to bank now, and you don’t have to stick to only one. Although using a physical account as well as an online account can have some extra costs, if you think you need a bit of both worlds, you can have it! Only you can see what suits you or your business better.

10 Best Online Banking Accounts - July 2025