Best Online Business Checking Accounts for 2025
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Small business owners are typically very busy. The convenience of opening a business checking account online from the comfort of your own home or office is priceless.
We reviewed five best online business checking accounts that offer commons services that small business owners may need, for instance:
- Integrated free payment software
- Tools to manage your business finances
- Unlimited everyday transactions
- Cash deposits
- Low transaction volumes
- Rapid access to funds
- Faster payments
Best Online Business Checking Accounts
Minimum Deposit
$0
Monthly Fee
$0
Overdraft Fee
$0
ATM Fees Reimbursed
Up to $7 per month
- $0 Minimum opening deposit.
- Integrates with top business tools, including QuickBooks, Xero, Stripe and Shopify.
- Unlimited fee-free transactions.
- Connections to thousands of business apps.
- Integrated payment services.
- No monthly fees or minimum balance requirements.
- Can’t deposit cash.
- Can’t send domestic or international wires.
Minimum Deposit
$0
Monthly Fee
$0 for Standard Checking
Overdraft Fee
$0
APY
Up to 2.50% APY
- Earn up to 2.50% APY
- 0% cash back on card transactions2
- 1.50% same-day ACH payments
- $1.00 physical checks
- $20.00 domestic wire send
- Reimbursement for up to six third-party ATM fees
- Get instant deposits from Stripe, Amazon, PayPal, Square, Venmo, Cash App, and more
- North One Plus Checking has a $30 monthly fee.
- Can’t send or international wires.
- Only $50 opening deposit.
- New business owners get a $200 welcome bonus! (Use Code START200 on your application).
- Zero minimum monthly balance requirements.
- Unlimited domestic ATM fee reimbursements.
- No monthly fees or minimum balance requirements.
- Member FDIC.
- No third-party app integrations.
- To qualify for the welcome bonus, a $3,000 average daily balance must be maintained for the first four months.
Minimum Deposit
$100
Monthly Fee
$10
Overdraft Fee
$0
APY
None.
Minimum Deposit
$0
Monthly Fee
$0 or $19.99* per month depending on the account option you choose
Overdraft Fee
$0
APY
1.50% APY on balances up to $20,000 with FoundPlus* (with $19.99 monthly fee option)
- Free, built-in invoicing, bookkeeping and tax-planning features.
- Link Found to your favorite apps like Venmo, Cash App, or PayPal for quick and easy payments.
- Unlimited fee-free transactions; no overdraft fees.
- Helps you track tax write-offs and gives you real-time tax estimates.
- No required monthly fees* or minimum opening deposit.
- No check deposit feature at this time on app.
- $19.99 fee for the FoundPlus checking option.
Multiple virtual cards with custom limits.
How to open a business checking account online
Opening a business checking account online is a convenient and time-efficient way to manage your business finances. Here are the general steps you can take to open a business checking account online:
- Fill out the application by providing basic information about yourself and any additional business owners.
- Verify your identity with documentation such as a driver’s license, state-issued id card or Social Security number.
- You’ll need to provide some information about your business, such as the business name, business type, business address, tax identification number, and legal structure.
- Upload legal business documentation.
Establish connections at the bank
Establishing a trustworthy relationship with a banker is crucial for small-business owners. As your business grows, you may require financial assistance in the form of a loan or a business credit.
Having an existing business bank account is beneficial as it provides the banker with easy access to your income and expense details. This can potentially expedite and streamline the approval process for your financial requests.
Boost your business profile
If you wish for potential clients to perceive you and your business as credible, it is important to demonstrate a level of professionalism. One way to achieve this is by using a business account debit card or checks for vendor purchases, as well as accepting payments through an online business checking account.
These actions signal that you are an experienced and established professional.
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