1
BB
Bluevine Business Checking
Online business checking with no monthly fee
- No monthly fee
- Interest on balances up to $250,000
- Invoicing, bill pay and expanded FDIC coverage through a sweep program
Updated October 2026 · monthly fee · transaction limits · integrations
Compare the Best Business Checking (2026)
Compare business checking from online banks and traditional institutions. Look at fees, deposit options and software integrations.
About 2 minto see your matches
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Step 1
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Providers
Featured business checking providers
2
CB
Chase Business Complete Banking®
Business checking from a national bank
- $15 monthly fee, waived with a $2,000 minimum balance
- Thousands of branches and ATMs
- Built-in card acceptance
3
AE
American Express® Business Checking
Online business checking from American Express
- No monthly fee
- Interest on balances up to $500,000
- 24/7 customer support
Our top picks, explained
Best for earning interest
BB
Bluevine Business Checking
Earns interest with no monthly fee, plus built-in invoicing.
Pros and cons
- No monthly fee
- Earns interest
- Fees for cash deposits
Best for branch access
CB
Chase Business Complete Banking®
A good fit for businesses that handle cash or want a local branch.
Pros and cons
- In-person banking
- Accept card payments
- Monthly fee unless waived
Best for rewards
AE
American Express® Business Checking
No monthly fee, interest on large balances and around-the-clock support.
Pros and cons
- No monthly fee
- Round-the-clock support
- No cash deposits
Side-by-side comparison
BB | CB | AE | |
|---|---|---|---|
| Trustpilot rating | – | – | |
| Monthly fee | $0 | $15 (waivable) | $0 |
| Interest | Yes | No | Yes |
| Cash deposits | Fee applies | Yes, at branches | No |
| Branches | No | Yes | No |
| Visit site | Visit site | Visit site |
Head to headBluevine Business Checking vs Chase Business Complete Banking®Bluevine Business Checking vs American Express® Business CheckingChase Business Complete Banking® vs American Express® Business Checking
Provider details were checked against public sources in October 2026; confirm current rates and terms with the provider. Listings may include providers that compensate The Top 10 Experts. Order and placement may be influenced by compensation. Advertiser disclosure.
Before you choose
What to compare
Use these points to compare any business checking provider, whether or not it appears on The Top 10 Experts.
Fees
Monthly maintenance fee
Many accounts waive the fee with a minimum balance. Online banks often have no monthly fee at all.
Limits
Free transactions
Check how many transactions and how much cash deposit volume are included each month.
Cash
Cash deposits
Online-only banks may charge for cash deposits or route them through retail partners.
Tools
Integrations
Look for invoicing, accounting software connections and enough user seats for your team.
Common questions
Do I need a separate business account?
It is strongly recommended. Keeping business and personal money apart simplifies bookkeeping and taxes.
What do I need to open one?
Usually your EIN or SSN, formation documents for LLCs and corporations, and ID for each owner.
Are online business accounts FDIC insured?
Most are, either directly or through a partner bank. Confirm which bank holds your deposits.
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