For startups, business bank accounts are a necessity. Through these accounts, startup owners can receive and send payments, manage finances, and more.

Finding the right startup business bank to create a checking or savings account with can be a tough process with seemingly unlimited options. It’s important to understand the fees, ATM access, financial tools, and other features of available options. Business Bank Guide has compiled the key features and costs of leading business bank options to make your search simple. From well-known options to online banks, this guide will help you find the perfect startup business bank to create an account for your business.


NorthOne Bank Logo
  • Get a $10 credit* on your first month.
  • Easy signup in just 3 minutes. 
  • Large fee-free ATM network. 
  • Deposit checks directly through the NorthOne mobile app. 
  • Envelopes feature allows you to set aside money for taxes, savings, and more. 
  • Integrations with leading business tools including Shopify, Quickbooks, Stripe, and more. 
Silicon Valley Bank Logo
  • Free checking for first three years, 1.0% interest rate on savings and 2X unlimited rewards points on card purchases.
  • No maintenance or transaction fees. 
  • Easy setup and quick online banking. 
  • Connections to Quickbooks, Zero, Expensify and other authorized applications. 
  • Offers a startup money market account with a competitive interest rate of 1.0%
Blue Vine Logo
  • Earn 1% APY when your checking account balance is $1,000 or more. 
  • BlueVine offers paper checks for customers to send funds. 
  • Unlimited fee-free transactions. 
  • Large fee-free ATM network. 
  • No minimum balance requirement.
  • No monthly fee for banking use and low fees for outgoing wires and cash deposits. 
Mercury Bank Logo
  • No monthly fees, transactions fees, or minimum opening deposit.
  • Over 55,000 fee-free ATMs. 
  • Checking and savings accounts available through Mercury. 
  • Money management tools and plugins with leading business solutions. 
  • Up to 14 sub-accounts can be created to designate funds for savings, taxes, and more. 
Brex Cash Logo
  • Easy deposits, payments, credit cards and expense tracking.
  • Fee-free account, transactions and hidden fees.
  • No Minimum Balance required.
  • Free unlimited ACH and Wires. 
  • FDIC coverage up to $250,000.
  • Earn points through credit card spending.
Bank of America Logo
  • Over 4,400 branches and 17,000 fee-free ATMs nation-wide. 
  • Monthly fees can be avoid when you maintain a $1,500 minimum balance. 
  • Easy-to-use mobile app and website. 
  • Additional savings and checking accounts can be created without monthly fees. 
  • Business Advantage Relationship Rewards program offers additional perks. 
  • No fee for first $7,500 in cash deposits.