Top business checking right now
We compare business checking accounts from FDIC-insured banks and their partners on fees, minimums, features and bonuses. Terms can change — confirm the details with the provider before you open an account.
How Earny helps you find the best business checking account
Compare business checking accounts, fees and bonuses in plain English. Earny does the comparing, the math and the fine print.
Compare business checking accounts
Earny compares business checking accounts on monthly fees, transaction limits, cash deposits, wires and interest — side by side.
Business account bonuses
See current cash bonuses for opening a business checking account, the deposit you need and how long it must stay in.
Matched to your business
Freelancer, LLC, team with contractors or funded startup — Earny matches accounts to how your business actually moves money.
Safe, insured accounts
Earny suggests FDIC-insured business accounts and flags fine print like excess-transaction fees and cash deposit caps.
Business checking questions, answered
What is the best business checking account right now?
It depends on your business. Earny compares business checking accounts on fees, minimums, cash deposits, integrations and bonuses, and shows the top business checking accounts you can open today in the chart above.
Do I need an EIN to open a business checking account?
LLCs and corporations need an EIN, which is free from the IRS. Sole proprietors can usually open a business checking account with their SSN instead.
Are there business checking accounts with no monthly fees?
Yes. Many online business checking accounts charge $0 monthly fees with no minimum balance. Watch for wire, cash deposit and excess-transaction fees instead.
Can a business checking account earn interest?
Some do. A few business checking accounts pay interest on balances, and many pair with a business savings account that earns APY. Rates are variable and can change.
Is my money safe in an online business checking account?
Yes, when the account is held at an FDIC-insured bank. Deposits are protected up to $250,000 per depositor, per bank, per ownership category, and some providers offer expanded coverage.
Is Earny free to use?
Yes, Earny is completely free. PickYourBank may earn a referral fee if you open an account through our links, which can affect where offers appear.
Where can I talk to Earny about business banking?
Right here in the chat on this page, or on SMS, WhatsApp and Telegram. You can also ask Earny to call you.