Best Business Checking Accounts of 2025

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Pulliam","sameAs":"https://www.businessinsider.com/author/kit-pulliam"},{"@type":"Person","name":"Evelyn He","sameAs":"https://www.businessinsider.com/author/evelyn-he"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":" Best Business Checking Accounts of 2025","alternativeHeadline":"Best Business Checking Accounts for February 2025","image":{"@type":"ImageObject","url":"https://i.insider.com/6740e2d59f2901eb603673b1?width=1200&format=jpeg","width":1200,"height":900,"caption":"The best business checking accounts offer no or low monthly service fees and plenty of free transactions."},"name":"Best Business Checking Accounts for February 2025","datePublished":"2025-01-29T18:31:01Z","dateModified":"2025-01-30T04:07:11Z","description":"The best business checking accounts for February 2025 offer opportunities to earn interest, waive ATM fees, and provide other valuable perks.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.The best checking account for your business will keep your personal and professional transactions separate.To help you narrow down the best choice, we highlighted why each of our top picks may be appealing. For example, we have a top pick for people who prefer an in-person banking experience, earning interest on checking balances, or easily accessible ATM access.We've listed our top picks for business checking accounts offered by banks and credit unions. All, with the exception of Chase Business Complete Checking have no monthly service fees, but keep in mind that Chase offers many ways to waive the fee.The Axos Bank Basic Business Checking Account is a well-rounded option. It has a large ATM network, and if you use an out-of-network machine, Axos refunds all fees charged by an ATM provider. You may also be eligible for a cash bonus of up to $400 if you meet certain requirements.Keep in mind there's a $50 international wire transfer fee. However, most banks charge a similar international wire transfer fee.Max. monthly transactions: UnlimitedMinimum opening deposit:$0Learn more in our Axos Business Bank Review, or open an account with Axos Bank Basic Business Checking Account.The Bluevine Business Checking Account lets you open an account with $0. You'll earn 1.50% APY on up to $250,000 when you meet one of the monthly eligibility requirements. This sets the account apart from the others on our list, which don't pay interest at all. It is also one of the few online business checking accounts that give you a way to deposit cash.You won't be able to earn interest on balances over $250,000 unless you join the Premier plan which has a $95 monthly fee with options to waive. You'll earn 3.70% APY on balances up to $3 million with the Bluevine Business Checking Premier Account.Bluevine is also offering a $300 bonus when you open a new Bluevine Business Checking Account before 3/31/25 using the referral code CA300 and complete qualifying activities. To get the bonus, customers must add $2,000 within 30 days. You'll need to maintain your $2,000 minimum daily balance while also meeting at least one of the following eligibility requirements every 30 days for the next 90 days from account funding:Bluevine also doesn't have physical locations, so you might not have easy access to your account.Max. monthly transactions: UnlimitedMinimum opening deposit:$0Learn more in our BlueVine Business Checking Review, or open an account with Bluevine Business Checking Account.The U.S. Bank Silver Business Checking Package is a business checking account with no monthly service fee. Usually, brick-and-mortar banks charge a monthly maintenance fee for standard business checking accounts, which makes U.S. Bank stand out.You might like opening a business checking account with U.S. Bank if you're interested in banking in-person. U.S. Bank has over 2,000 branches in 26 states. Locations are available in Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.U.S. Bank is also a great option if you're interested in primarily banking with one financial institution for your business. For business banking, you can also get a business savings account, business money market account, and business CDs. U.S. Bank also offers one of the best small business credit cards.Max. monthly transactions: 125Minimum opening deposit: $100U.S. Bank Business Checking Account ReviewThe NBKC Business Checking Account account gives you a lot of freedom. There's a $0 minimum opening deposit, no monthly service fee, and no overdraft fees. NBKC is a great option for avoiding domestic wire transfer fees. You won't get charged for incoming domestic wire transfers, and there's a low fee for outgoing domestic wire transfers.If you use a non-MoneyPass ATM and the ATM provider charges a fee, NBKC reimburses you up to $12 per month.This is primarily an online account, but there are branches in Kansas City, Missouri. NBKC also only gives business loans to people in the Kansas City area.Max. monthly transactions: UnlimitedMinimum opening deposit: $0Learn more in our NBKC Business Bank Review, or open an account with NBKC Business Checking Account.American Express® Business Checking stands out because you can make fee-free withdrawals at AllPoint and MoneyPass ATMs. These are two large ATM networks, so you'll have access to over 70,000 ATMs nationwide.This business checking account is also a good option because there are no fees for incoming domestic and international wire transfers, non-sufficient funds, or stop payments. You can earn 1.30% APY on the first $500,000 in your account, too.Max. monthly transactions: UnlimitedMinimum opening deposit: $0American Express® Business Checking ReviewThe Climate First Bank NetZero Business Checking account is a low-fee business checking account offered by an eco-friendly bank. Climate First Bank is a Florida-based bank with online banking features, and its business checking account has no monthly service fee and unlimited monthly transactions. The bank is a Certified B Corporation, a member of 1% For The Planet, is a GABV member, and is fossil-free certified.The bank has a sizeable minimum opening deposit of $50. Also, all of its branches are based in Florida — if you want to bank in-person, but don't live in Florida, one of our other picks might be a better choice for you.Max. monthly transactions: UnlimitedMinimum opening deposit: $50The Chase Business Complete Checking account is a good option if you're looking for 24/7 customer service. It also has a strong minimum opening deposit of $0, and you can earn up to $500 bonus for opening the account after completing qualifying activities.It does come with a $15 monthly service fee. You can waive it several ways, such as by keeping a $2,000 minimum daily balance, meeting military banking requirements, or through various linked accounts. You can make unlimited debit card purchases and ATM transactions with this account, but you're limited to 20 free deposits and withdrawals using a teller or check each month, along with $5,000 in cash deposits each month. Going over 20 deposits and withdrawals in this manner each month will cost you $0.40 each.Max. Monthly Transactions: Unlimited for debit card, 20 for deposits and withdrawals using tellers and checks, $5,000 in cash depositsMinimum opening deposit: $0Learn more in our Chase Bank Review, or open an account with Chase Business Complete Checking.Digital Federal Credit Union is one of our top picks for the best banks and credit unions in Massachussetts. The Digital Federal Credit Union Free Business Checking account has no monthly service fee and a $0 minimum opening deposit, making it a low-fee business checking account. In addition, you can earn interest on balances above $0.01 of 0.10% APY and have enhanced FDIC protection up to $2,750,000 through the Business Earn More program, although you can only have one business checking account with those features per customer.For the most part, you get unlimited transactions; however, you're limited to 20 free deposits a day. You'll pay $0.10 for each daily deposit over 20. Also, while Digital Federal Credit Union is a credit union anyone can join, if you don't live in Massachusetts, you'll probably have to pay a fee to join.People who live, work, worship, or go to school in certain parts of Massachusetts, people with family members who are part of the credit union already, or people who work for one of the credit union's Select Employer Groups won't have to pay a fee to join. If you don't meet those requirements, you can join one of Digital Federal Credit Union's eight affiliated organizations to be eligible. Costs to join these organizations range from $10 to $120.Max. monthly transactions: Unlimited, except for deposits, which are 20/dayMinimum opening deposit: $0We review the ethics of each company so you can see if a specific financial institution aligns with your values.We also include the settlement history of the last three years, so you're aware of any recent public controversies involving the bank.The Better Business Bureau grades companies based on responses to customer complaints, advertising, and transparency about business practices. Here are the BBB scores for our top picks:U.S. Bank has a B+ rating from the Better Business Bureau due to government action against the business.The BBB gave American Express an F rating because it has failed to respond to some complaints filed against the company and has unresolved customer complaints.Some of these companies have recent public controversies.The Consumer Finance Protection Bureau filed a lawsuit against Citizens Bank and claimed that the bank denied customers' claims of unauthorized credit card use and billing mistakes, didn't fully refund customers when they reported fraud, and didn't properly respond to customers when they contacted Citizens Bank about these issues.In 2022, American Express paid $430,500 in a settlement with the United States Department of the Treasury's Office of Foreign Assets Control (OFAC). In the settlement, OFAC accused the bank of processing transactions on an account where the supplemental cardholder was linked to illegal drug distribution and money laundering.In 2023, JP Morgan Chase was required to pay $75 million in a settlement with the U.S. Virgin Islands that accused the financial institution of failing to report suspicious activity regarding Jeffrey Epstein's sex trafficking operation.In 2023, the Consumer Financial Protection Bureau required U.S. Bank to pay $21 million, saying it kept people from accessing unemployment benefits during the COVID-19 pandemic. The Office of the Comptroller of the Currency fined U.S. Bank $15 million for the same reason.In 2022, U.S. Bank paid $37.5 million in a settlement with the Consumer Financial Protection Bureau. The CFPB accused the bank of obtaining customers' credit reports and opening checking accounts, savings accounts, credit cards, and lines of credit without their knowledge.If these recent scandals worry you, you may decide to bank with one of our other top picks.Below, you'll find our top picks for business checking accounts. To determine the best checking accounts for small businesses, we reviewed each account to ensure they did not charge high monthly service fees and had minimal fees for other common bank charges. We narrowed our options further by assessing opening requirements and how many free transactions you can make monthly with an account. We also ensured that each account was either FDIC-insured or NCUA-insured, depending on whether it was a bank or a credit union. Some of our choices even offer enhanced FDIC insurance through insured cash sweeps.We reviewed over a dozen financial institutions to find the best business checking accounts with no or low monthly bank maintenance fees. Banks can limit how many monthly transactions you can make on a business checking account. You'll be charged a fee for each transaction that surpasses the limit.Monthly transaction limits on business checking accounts are more likely to occur at brick-and-mortar banks than online banks. If you want to avoid transaction fees, there are some banks that allow unlimited monthly transactions, some of which are in our top picks.Banks can charge you for using an ATM that isn't in their network. If you frequently travel for your business and utilize ATMs, look for a bank that has a national ATM network or offers reimbursements for ATM fees.The type of bank you choose can also impact your access to additional banking services. For example, brick-and-mortar banks tend to offer a greater variety of business loans or business credit cards than online banks and banking platforms. If you're interested in opening a business savings account or business CD, you can also check to see if those types of bank accounts are available at a specific financial institution.Some financial institutions offer recordkeeping, payment processing, and invoicing tools, either built-in to your mobile banking app or integrated using other software. If you want an all-in-one banking software that allows you to draft and send invoices, keep track of all of your finances, make and receive payments, and manage your money in one place, a business checking account with those features can come in handy.Check what tools come with your account, or see if your account integrates easily with accounting software like QuickBooks or software that offers merchant services. If this is something you're interested in, you can also check out small business tax software to help you file taxes for your business.If you're interested in opening a business checking account, here is the documentation you'll need to apply:The top banks for immigrants and non-U.S. citizens allow you to provide a foreign passport or Matricula Consular as personal identification if you don't have a U.S. ID to open a bank account. Keep in mind that opening a business bank account online may require additional authorization forms. For example, if there are multiple business owners, you might need to fill out an authorization form since you're not verifying your identity in person.Choosing to open a business checking account with a credit union instead of a bank can help both you and your community. Credit unions are member-owned, which means any profits credit unions make go back to you in the form of lower monthly service fees, better handling of cash deposits, and more permissive transaction limits.Because credit unions limit who can join, they can more easily help specific communities through better loans, interest rates, and programs. Many credit unions are community development financial institutions or minority depository institutions, like Black-owned credit unions; both CDFIs and MDIs help underserved communities have access to banking services that might otherwise be unavailable to them.That being said, credit unions aren't right for everyone. The best banks could potentially offer a greater range of services than a local credit union. Additionally, many credit unions require you to open a savings account with them and keep a small amount of money in it as part of membership, which could be frustrating if you're only interested in opening one account with a credit union. Credit unions might also offer limited customer service hours and locations compared to big brick-and-mortar banks.To learn more about what makes a good account and how to choose the best fit, four experts weighed in.Our experts focused on what will make a business checking account the most useful, including low fees, transaction limits, branch locations, and more. Here's what they had to say about finding an account. (Some text may be lightly edited for clarity.)How can someone choose the business checking account that's right for them?Tania Brown, CFP® professional and vice president of coaching strategy at OfColor:\"Consider how you will use the bank account, and what features the account needs to have for you to run your business with ease. Here are a few examples of questions to think about:\"How much is your average account balance? If you are new and broke, you may not see the benefits of a business checking account with free services for balances over $100k.\"What types of transactions do you do the most? Do you write a lot of checks or do a lot of wire transfers? Whatever transactions you do the most, you want to make sure you choose a bank that will charge the least (preferably nothing) for these services.\"Do you want to be able to integrate your accounting software with your bank? If you, check your accounting software program to see how easily the program integrates with your potential bank.\"Roger Ma, CFP® professional and author of \"Work Your Money, Not Your Life\":\"Someone may want to consider whether they value having a physical branch nearby. If so, they may prefer to use a brick-and-mortar bank instead of an online bank. In addition, someone should also consider their business's other financial needs. Down the road, would they want to be able to work with the same bank to open a business credit card, open a line of credit, or get a business loan?\"What should someone look for in a brick-and-mortar bank?Mykail James, MBA, certified financial education instructor, BoujieBudgets.com:\"How accessible it is. Where are the branches? And if I am to go out of town or something, how accessible is my money to me?\"Sophia Acevedo, banking editor, Business Insider\"If you're more comfortable with a traditional bank experience, I would compare several nearby banks and see which accounts allow you to waive most fees. For example, with a business checking account, I would pay attention to monthly service fees, out-of-network ATM fees, and wire transfer fees.\"What should someone look for in an online bank?Tania Brown, CFP® professional:\"With an online bank, absolutely online customer service, because you do not have the advantage of walking inside and talking to a human being. How often are you able to get them? What are their hours?\"Mykail James, CFEI:\"What type of securities do they provide? Do they have two-factor identification? If it's an online bank, they should definitely have — at the bare minimum — two-factor authentication in how easy it is to change your passwords and things like that, because you want to be a little more hypersensitive about the cyber security for a strictly online bank.\"Why You Should Trust Us: How We Reviewed the Best Business Checking AccountsBusiness Insider's personal finance team reviewed over two dozen financial institutions before selecting our top picks for business checking accounts. We prioritized business checking accounts with no or low monthly service fees.Then, we looked at the minimum amount you need to open the account. We looked at how many free transactions you can make each month with an account. All our top choices let you make at least 125 monthly transactions, and many offer unlimited transactions.To get a rating for our top business checking accounts, we rate each product with a score from zero to five across several categories. For business checking accounts, those categories are minimum opening deposit requirements, monthly service fees, transaction limits, ATM networks and fees, customer support availability, mobile app ratings, ethics, security, miscellaneous features, and overdraft protection. Once each category has a score, we calculate the weight average to get the product's final star rating, which can land anywhere from one to five stars.See our bank account rating methodology to learn more about how we rate bank accounts.Sole proprietors may use their Social Security number instead of an EIN. You'll need an EIN to open a business account if you aren't the only person in charge of your business.If you're wondering what you should look for in a free business checking account, ask yourself whether you want to bank online or in person. Then figure out how many transactions your business will need to make each month and find a bank that allows that number of free transactions. You should also think about how much you'll need to deposit in cash every month and whether you'll need to make wire transfers.Yes, you can use a personal checking account for your business — but doing so comes with complications. Your personal name rather than your business name will appear on checks, and you may find it difficult to separate personal and business spending. It could also be tricky when tax season rolls around and you need to prove business-related purchases. If you are starting your own business, the IRS recommends getting a separate checking account specifically for managing business finances.Some online-based free business checking accounts allow you to make cash deposits at select retailers or ATMs. You may have to pay a fee (up to $4.95) for each deposit, though.A free business checking account differs from a traditional business checking account because it doesn't charge any monthly service fees.","articleSection":"Personal Finance, Banking, Checking Account","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Can I open a business bank account with an EIN only?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Sole proprietors may use their Social Security number instead of an EIN. You'll need an EIN to open a business account if you aren't the only person in charge of your business.</p>"}},{"@type":"Question","name":"What should I look for in a free business checking account?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">If you're wondering what you should look for in a free business checking account, ask yourself whether you want to bank online or in person. Then figure out how many transactions your business will need to make each month and find a bank that allows that number of free transactions. You should also think about how much you'll need to deposit in cash every month and whether you'll need to make <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/banking/wire-transfer-fees\" data-analytics-product-module=\"body_link\" rel=\"\">wire transfers</a>.</p>"}},{"@type":"Question","name":"Can I use a personal bank account as a business account?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, you can use a personal checking account for your business — but doing so comes with complications. Your personal name rather than your business name will appear on checks, and you may find it difficult to separate personal and business spending. It could also be tricky when tax season rolls around and you need to prove business-related purchases. If you are starting your own business, <a target=\"_blank\" rel=\"noopener\" href=\"https://www.irs.gov/publications/p334\" data-analytics-product-module=\"body_link\">the IRS recommends</a> getting a separate checking account specifically for managing business finances.</p>"}},{"@type":"Question","name":"Can I deposit cash with an online-based free business checking account?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Some online-based free business checking accounts allow you to make cash deposits at select retailers or ATMs. You may have to pay a fee (up to $4.95) for each deposit, though.</p>"}},{"@type":"Question","name":"How do free business checking accounts differ from traditional business checking accounts?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">A free business checking account differs from a traditional business checking account because it doesn't charge any monthly service fees.</p>"}}]} </script> <script 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However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/banking/methodology" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate banking products</a> to write unbiased product reviews.</aside> <div class="col-12"> </div> <div class="sticky-toc-content-wrapper"> <aside class="sticky-toc as-aside" data-component-type="sticky-toc"> <nav class="sticky-toc-aside js-sticky-toc-aside"> <menu class="sticky-toc-menu"> <li> <a href="#best-best-business-checking-accounts" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Best Business Checking Accounts </a> </li> <li> <a href="#best-overall" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Overall </a> </li> <li> <a href="#best-for-earning-interest" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Earning Interest </a> </li> <li> <a href="#best-for-a-brick-and-mortar-bank" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for a Brick-And-Mortar Bank </a> </li> <li> <a href="#best-for-an-online-banking" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for an Online Banking </a> </li> <li> <a href="#best-for-atm-access" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for ATM Access </a> </li> <li> <a href="#best-eco-friendly-option" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Eco-Friendly Option </a> </li> <li> <a href="#best-for-customer-service" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Customer Service </a> </li> <li> <a href="#best-credit-union" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Credit Union </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> <li> <a href="#faqs" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </nav> </aside> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p id="first-content-image"></p><p>The <a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/banking/best-checking-accounts" data-analytics-product-module="body_link" rel="">best checking account</a> for your business will keep your personal and professional transactions separate.</p><p>To help you narrow down the best choice, we highlighted why each of our top picks may be appealing. For example, we have a top pick for people who prefer an in-person banking experience, earning interest on checking balances, or easily accessible ATM access.</p><p>We've listed our top picks for business checking accounts offered by banks and credit unions. All, with the exception of Chase Business Complete Checking have no monthly service fees, but keep in mind that Chase offers many ways to waive the fee.</p><h2 id="best-best-business-checking-accounts" data-toc-id="83c21da2-41aa-46b8-ac3b-c862b670a971" data-toc-label="Best Best Business Checking Accounts" class="toc-anchor">Best Best Business Checking Accounts</h2><ul><li>Best overall: <a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="603d4c421e14000011d90c60" data-analytics-product-brand="Axos Bank" data-analytics-product-name="Axos Bank Basic Business Checking Account" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-74331-20&h=64e3ae820982a2ddbee6496e0698ea09f4439f376089d824a002f5f508756932&platform=browser&postID=6744b3b9cb042e5dec171202&postSlug=personal-finance%2Fbanking%2Fbest-business-checking&site=bi&u=https%3A%2F%2Fwww.tkqlhce.com%2Fclick-101063856-15921476" data-am-orig-url="https://affiliate.insider.com/?h=64e3ae820982a2ddbee6496e0698ea09f4439f376089d824a002f5f508756932&u=https%3A%2F%2Fwww.tkqlhce.com%2Fclick-101063856-15921476">Axos Bank Basic Business Checking Account</a></li><li>Best for earning interest: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="603e53421e14000011d90cf3" data-analytics-product-brand="Bluevine" data-analytics-product-name="Bluevine Business Checking Account" href="https://secure.money.com/pr/je05e2b24303">Bluevine Business Checking Account</a></li><li>Best for a traditional banking experience: <a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="61425f231ccd11001141a9ef" data-analytics-product-brand="U.S. Bank" data-analytics-product-name="U.S. Bank Silver Business Checking Package" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-74331-20&h=80401cdd4f5cf92612066bd1160a86c088f66dba961b63482b1724c09ef2ea2c&platform=browser&postID=6744b3b9cb042e5dec171202&postSlug=personal-finance%2Fbanking%2Fbest-business-checking&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26686962%26cr%3D31535%26last_updated%3D1657917348" data-am-orig-url="https://affiliate.insider.com/?h=80401cdd4f5cf92612066bd1160a86c088f66dba961b63482b1724c09ef2ea2c&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26686962%26cr%3D31535%26last_updated%3D1657917348">U.S. Bank Silver Business Checking Package</a></li><li>Best for an online-only banking experience: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="603fcf4e1e14000011d90de8" data-analytics-product-brand="NBKC Bank" data-analytics-product-name="NBKC Business Checking Account" href="https://secure.money.com/pr/q0ce1e47e8f1">NBKC Business Checking Account</a></li><li>Best for ATM access: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="63bc4bd1f8ab1f0011eb345c" data-analytics-product-brand="American Express National Bank" data-analytics-product-name="American Express® Business Checking" href="https://www.businessinsider.com/personal-finance/banking/american-express-national-bank-review">American Express® Business Checking</a></li><li>Best eco-friendly option: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6740ea60a1ca422f7d53b85b" data-analytics-product-brand="Climate First Bank" data-analytics-product-name="Climate First Bank NetZero Business" href="https://secure.money.com/pr/h1f90453a8ee">Climate First Bank NetZero Business</a></li><li>Best for 24/7 customer service: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="61425d1813cd0400189df62f" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Business Complete Checking" href="https://secure.money.com/pr/d2121b81f921">Chase Business Complete Checking</a></li><li>Best credit union: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6740e9e3a1ca422f7d53b85a" data-analytics-product-brand="Digital Federal Credit Union" data-analytics-product-name="Digital Federal Credit Union Free Business Checking" href="https://secure.money.com/pr/o2e5858bd390">Digital Federal Credit Union Free Business Checking</a></li></ul><h3 id="1fda071c-3a63-4b9a-9df5-0603f32b7216" data-toc-id="1fda071c-3a63-4b9a-9df5-0603f32b7216">Featured Business Checking Accounts</h3><div id="1737586286962" data-styles="default-width" data-embed-type="custom" data-script="https://secure.money.com/embeds/embedder.js?v=1" class="insider-raw-embed" data-type="embed"><div class="ca-widget" data-token="rfe97a1cf95c"></div><script async="" defer="" src="https://secure.money.com/embeds/embedder.js?v=1"></script></div><h2 id="best-overall" data-toc-id="e22eee7a-adb4-4af7-83e6-65aa120b4111" data-toc-label="Best Overall" class="toc-anchor">Axos Bank Basic Business Checking Account: Best Well-Rounded Option</h2><p>The Axos Bank Basic Business Checking Account is a well-rounded option. It has a large ATM network, and if you use an out-of-network machine, Axos refunds all fees charged by an ATM provider. You may also be eligible for a cash bonus of up to $400 if you meet certain requirements.</p><p>Keep in mind there's a $50 international wire transfer fee. However, most banks charge a similar international wire transfer fee.</p><p><strong>Max. monthly transactions: </strong>Unlimited</p><p><strong>Minimum opening deposit:</strong>$0</p> <aside class="quick-tip headline-regular ignore-typography"> <p>Learn more in our <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/axos-business-banking-review" data-analytics-product-module="body_link" rel="">Axos Business Bank Review</a>, or open an account with <a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="body_link" data-analytics-product-id="603d4c421e14000011d90c60" data-analytics-product-brand="Axos Bank" data-analytics-product-name="Axos Bank Basic Business Checking Account" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-74331-20&h=64e3ae820982a2ddbee6496e0698ea09f4439f376089d824a002f5f508756932&platform=browser&postID=6744b3b9cb042e5dec171202&postSlug=personal-finance%2Fbanking%2Fbest-business-checking&site=bi&u=https%3A%2F%2Fwww.tkqlhce.com%2Fclick-101063856-15921476" data-am-orig-url="https://affiliate.insider.com/?h=64e3ae820982a2ddbee6496e0698ea09f4439f376089d824a002f5f508756932&u=https%3A%2F%2Fwww.tkqlhce.com%2Fclick-101063856-15921476">Axos Bank Basic Business Checking Account</a>.</p> </aside> <h2 id="best-for-earning-interest" data-toc-id="fb7ac592-d9a7-419c-a844-fdbd943e5594" data-toc-label="Best for Earning Interest" class="toc-anchor">Bluevine Business Checking Account: Best for Earning Interest</h2><p>The Bluevine Business Checking Account lets you open an account with $0. You'll earn 1.50% APY on up to $250,000 when you meet one of the monthly eligibility requirements. This sets the account apart from the others on our list, which don't pay interest at all. It is also one of the few online business checking accounts that give you a way to deposit cash.</p><p>You won't be able to earn interest on balances over $250,000 unless you join the Premier plan which has a $95 monthly fee with options to waive. You'll earn 3.70% APY on balances up to $3 million with the Bluevine Business Checking Premier Account.</p><p>Bluevine is also offering a $300 bonus when you open a new Bluevine Business Checking Account before 3/31/25 using the referral code CA300 and complete qualifying activities. To get the bonus, customers must add $2,000 within 30 days. You'll need to maintain your $2,000 minimum daily balance while also meeting at least one of the following eligibility requirements every 30 days for the next 90 days from account funding:</p><ul><li>Deposit $5,000 or more from eligible merchant services to your Bluevine account</li><li>Make $5,000 or more of outbound payroll payments from your Bluevine account using eligible payroll providers</li><li>Spend at least $2,000 with your Bluevine Business Debit Mastercard and/or Bluevine Business Cashback Mastercard®</li></ul><p>Bluevine also doesn't have physical locations, so you might not have easy access to your account.</p><p><strong>Max. monthly transactions: </strong>Unlimited</p><p><strong>Minimum opening deposit:</strong>$0</p> <aside class="quick-tip headline-regular ignore-typography"> <p>Learn more in our <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/bluevine-business-checking-review" data-analytics-product-module="body_link" rel="">BlueVine Business Checking Review</a>, or open an account with <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="603e53421e14000011d90cf3" data-analytics-product-brand="Bluevine" data-analytics-product-name="Bluevine Business Checking Account" href="https://secure.money.com/pr/je05e2b24303">Bluevine Business Checking Account</a>.</p> </aside> <h2 id="best-for-a-brick-and-mortar-bank" data-toc-id="7e4f6b2d-3624-488d-84a1-8e3651a37913" data-toc-label="Best for a Brick-And-Mortar Bank" class="toc-anchor"><a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="61425f231ccd11001141a9ef" data-analytics-product-brand="U.S. Bank" data-analytics-product-name="U.S. Bank Silver Business Checking Package" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-74331-20&h=80401cdd4f5cf92612066bd1160a86c088f66dba961b63482b1724c09ef2ea2c&platform=browser&postID=6744b3b9cb042e5dec171202&postSlug=personal-finance%2Fbanking%2Fbest-business-checking&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26686962%26cr%3D31535%26last_updated%3D1657917348" data-am-orig-url="https://affiliate.insider.com/?h=80401cdd4f5cf92612066bd1160a86c088f66dba961b63482b1724c09ef2ea2c&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26686962%26cr%3D31535%26last_updated%3D1657917348">U.S. Bank Silver Business Checking Package</a>: Best for a Brick-And-Mortar Bank</h2><p>The <a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="body_link" data-analytics-product-id="61425f231ccd11001141a9ef" data-analytics-product-brand="U.S. Bank" data-analytics-product-name="U.S. Bank Silver Business Checking Package" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-74331-20&h=80401cdd4f5cf92612066bd1160a86c088f66dba961b63482b1724c09ef2ea2c&platform=browser&postID=6744b3b9cb042e5dec171202&postSlug=personal-finance%2Fbanking%2Fbest-business-checking&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26686962%26cr%3D31535%26last_updated%3D1657917348" data-am-orig-url="https://affiliate.insider.com/?h=80401cdd4f5cf92612066bd1160a86c088f66dba961b63482b1724c09ef2ea2c&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26686962%26cr%3D31535%26last_updated%3D1657917348">U.S. Bank Silver Business Checking Package</a> is a business checking account with no monthly service fee. Usually, brick-and-mortar banks charge a monthly maintenance fee for standard business checking accounts, which makes U.S. Bank stand out.</p><p>You might like opening a business checking account with U.S. Bank if you're interested in banking in-person. U.S. Bank has over 2,000 branches in 26 states. Locations are available in Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.</p><p>U.S. Bank is also a great option if you're interested in primarily banking with one financial institution for your business. For business banking, you can also get a business savings account, business money market account, and business CDs. U.S. Bank also offers one of the <a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" data-analytics-product-module="body_link" rel="">best small business credit cards</a>.</p><p><strong>Max. monthly transactions: </strong>125</p><p><strong>Minimum opening deposit: </strong>$100</p><p><a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/banking/us-bank-business-checking-review" data-analytics-product-module="body_link" rel=""><em>U.S. Bank Business Checking Account Review</em></a></p><h2 id="best-for-an-online-banking" data-toc-id="8beb7660-09e0-4ed5-a018-05246a927ac7" data-toc-label="Best for an Online Banking" class="toc-anchor">NBKC Business Checking Account: Best for an Online-Only Banking Experience</h2><p>The NBKC Business Checking Account account gives you a lot of freedom. There's a $0 minimum opening deposit, no monthly service fee, and no overdraft fees. NBKC is a great option for avoiding domestic wire transfer fees. You won't get charged for incoming domestic wire transfers, and there's a low fee for outgoing domestic wire transfers.</p><p>If you use a non-MoneyPass ATM and the ATM provider charges a fee, NBKC reimburses you up to $12 per month.</p><p>This is primarily an online account, but there are branches in Kansas City, Missouri. NBKC also only gives business loans to people in the Kansas City area.</p><p><strong>Max. monthly transactions: </strong>Unlimited</p><p><strong>Minimum opening deposit: </strong>$0</p> <aside class="quick-tip headline-regular ignore-typography"> <p>Learn more in our <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/nbkc-business-banking-review" data-analytics-product-module="body_link" rel=""><em>NBKC Business Bank Review</em></a><em>, or open an account with </em><a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="603fcf4e1e14000011d90de8" data-analytics-product-brand="NBKC Bank" data-analytics-product-name="NBKC Business Checking Account" href="https://secure.money.com/pr/q0ce1e47e8f1">NBKC Business Checking Account</a>.</p> </aside> <h2 id="best-for-atm-access" data-toc-id="d6554795-f515-4678-b3c2-095d45ca40fd" data-toc-label="Best for ATM Access" class="toc-anchor"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="63bc4bd1f8ab1f0011eb345c" data-analytics-product-brand="American Express National Bank" data-analytics-product-name="American Express® Business Checking" href="https://www.businessinsider.com/personal-finance/banking/american-express-national-bank-review">American Express® Business Checking</a>: Best for ATM Access</h2><p><a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="63bc4bd1f8ab1f0011eb345c" data-analytics-product-brand="American Express National Bank" data-analytics-product-name="American Express® Business Checking" href="https://www.businessinsider.com/personal-finance/banking/american-express-national-bank-review">American Express® Business Checking</a> stands out because you can make fee-free withdrawals at AllPoint and MoneyPass ATMs. These are two large ATM networks, so you'll have access to over 70,000 ATMs nationwide.</p><p>This business checking account is also a good option because there are no fees for incoming domestic and international wire transfers, non-sufficient funds, or <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/how-to-cancel-check" data-analytics-product-module="body_link" rel="">stop payments</a>. You can earn 1.30% APY on the first $500,000 in your account, too.</p><p><strong>Max. monthly transactions: </strong>Unlimited</p><p><strong>Minimum opening deposit:</strong> $0</p><p>American Express® Business Checking Review</p><h2 id="best-eco-friendly-option" data-toc-id="30a49875-62c5-4411-a25e-7f58baeb555f" data-toc-label="Best Eco-Friendly Option" class="toc-anchor"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6740ea60a1ca422f7d53b85b" data-analytics-product-brand="Climate First Bank" data-analytics-product-name="Climate First Bank NetZero Business" href="https://secure.money.com/pr/h1f90453a8ee">Climate First Bank NetZero Business</a>: Best Eco-Friendly Option</h2><p>The <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="6740ea60a1ca422f7d53b85b" data-analytics-product-brand="Climate First Bank" data-analytics-product-name="Climate First Bank NetZero Business" href="https://secure.money.com/pr/h1f90453a8ee">Climate First Bank NetZero Business</a> Checking account is a low-fee business checking account offered by an <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-environmentally-friendly-banks" data-analytics-product-module="body_link" rel="">eco-friendly bank</a>. Climate First Bank is a Florida-based bank with online banking features, and its business checking account has no monthly service fee and unlimited monthly transactions. The bank is a Certified B Corporation, a member of 1% For The Planet, is a GABV member, and is fossil-free certified.</p><p>The bank has a sizeable minimum opening deposit of $50. Also, all of its branches are based in Florida — if you want to bank in-person, but don't live in Florida, one of our other picks might be a better choice for you.</p><p><strong>Max. monthly transactions:</strong> Unlimited</p><p><strong>Minimum opening deposit:</strong> $50</p><h2 id="best-for-customer-service" data-toc-id="86d5cd69-503e-4680-8cd9-55c216678d6b" data-toc-label="Best for Customer Service" class="toc-anchor"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="61425d1813cd0400189df62f" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Business Complete Checking" href="https://secure.money.com/pr/d2121b81f921">Chase Business Complete Checking</a>: Best for 24/7 Customer Service</h2><p>The <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="61425d1813cd0400189df62f" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Business Complete Checking" href="https://secure.money.com/pr/d2121b81f921">Chase Business Complete Checking</a> account is a good option if you're looking for <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/banks-with-24-7-customer-support" data-analytics-product-module="body_link" rel="">24/7 customer service</a>. It also has a strong minimum opening deposit of $0, and you can earn up to $500 bonus for opening the account after completing qualifying activities.</p><p>It does come with a $15 monthly service fee. You can waive it several ways, such as by keeping a $2,000 minimum daily balance, meeting military banking requirements, or through various linked accounts. You can make unlimited debit card purchases and ATM transactions with this account, but you're limited to 20 free deposits and withdrawals using a teller or check each month, along with $5,000 in cash deposits each month. Going over 20 deposits and withdrawals in this manner each month will cost you $0.40 each.</p><p><strong>Max. Monthly Transactions:</strong> Unlimited for debit card, 20 for deposits and withdrawals using tellers and checks, $5,000 in cash deposits</p><p><strong>Minimum opening deposit:</strong> $0</p> <aside class="quick-tip headline-regular ignore-typography"> <p>Learn more in our <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/chase-bank-review" data-analytics-product-module="body_link" rel="">Chase Bank Review</a>, or open an account with <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="61425d1813cd0400189df62f" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Business Complete Checking" href="https://secure.money.com/pr/d2121b81f921">Chase Business Complete Checking</a>.</p> </aside> <h2 id="best-credit-union" data-toc-id="5b13412f-3e4e-4905-bcac-0bd44f49ccf0" data-toc-label="Best Credit Union" class="toc-anchor"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6740e9e3a1ca422f7d53b85a" data-analytics-product-brand="Digital Federal Credit Union" data-analytics-product-name="Digital Federal Credit Union Free Business Checking" href="https://secure.money.com/pr/o2e5858bd390">Digital Federal Credit Union Free Business Checking</a>: Best Credit Union</h2><p>Digital Federal Credit Union is one of our top picks for the <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-banks-credit-unions-massachusetts" data-analytics-product-module="body_link" rel="">best banks and credit unions in Massachussetts</a>. The <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="6740e9e3a1ca422f7d53b85a" data-analytics-product-brand="Digital Federal Credit Union" data-analytics-product-name="Digital Federal Credit Union Free Business Checking" href="https://secure.money.com/pr/o2e5858bd390">Digital Federal Credit Union Free Business Checking</a> account has no monthly service fee and a $0 minimum opening deposit, making it a low-fee business checking account. In addition, you can earn interest on balances above $0.01 of 0.10% APY and have enhanced FDIC protection up to $2,750,000 through the Business Earn More program, although you can only have one business checking account with those features per customer.</p><p>For the most part, you get unlimited transactions; however, you're limited to 20 free deposits a day. You'll pay $0.10 for each daily deposit over 20. Also, while Digital Federal Credit Union is a <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/credit-unions-anyone-can-join" data-analytics-product-module="body_link" rel="">credit union anyone can join</a>, if you don't live in Massachusetts, you'll probably have to pay a fee to join.</p><p>People who live, work, worship, or go to school in certain parts of Massachusetts, people with family members who are part of the credit union already, or people who work for one of the credit union's Select Employer Groups won't have to pay a fee to join. If you don't meet those requirements, you can join one of Digital Federal Credit Union's eight affiliated organizations to be eligible. Costs to join these organizations range from $10 to $120.</p><p><strong>Max. monthly transactions:</strong> Unlimited, except for deposits, which are 20/day</p><p><strong>Minimum opening deposit:</strong> $0</p><h2 id="8c676fcf-8afd-41ca-a0f2-3cdbebfa8b5c" data-toc-id="8c676fcf-8afd-41ca-a0f2-3cdbebfa8b5c">Business Bank Trustworthiness and BBB Ratings</h2><p>We review the ethics of each company so you can see if a specific financial institution aligns with your values.</p><p>We also include the settlement history of the last three years, so you're aware of any recent public controversies involving the bank.</p><p>The Better Business Bureau grades companies based on responses to customer complaints, advertising, and transparency about business practices. Here are the BBB scores for our top picks:</p><div class="horizontal-scroll"><table style="min-width: 50px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td class="headline-regular headline-semibold">Institution</td><td class="headline-regular headline-semibold">BBB grade</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Axos Bank</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">BlueVine</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">U.S. Bank</td><td colspan="1" rowspan="1" class="headline-regular">B+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">NBKC Bank</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">American Express</td><td colspan="1" rowspan="1" class="headline-regular">F</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Climate First Bank</td><td colspan="1" rowspan="1" class="headline-regular">A</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">JPMorgan Chase & Co.</td><td colspan="1" rowspan="1" class="headline-regular">A-</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Digital Federal Credit Union</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr></tbody></table></div><p>U.S. Bank has a <a target="_blank" rel="noopener nofollow" class="" href="https://www.bbb.org/us/mn/minneapolis/profile/bank/us-bank-0704-407" data-analytics-product-module="body_link"><u>B+ rating</u></a> from the Better Business Bureau due to government action against the business.</p><p>The BBB gave American Express an <a target="_blank" rel="noopener nofollow" href="https://www.bbb.org/us/tx/corinth/profile/bank/american-express-bank-0875-90414149" data-analytics-product-module="body_link">F rating</a> because it has failed to respond to some complaints filed against the company and has unresolved customer complaints.</p><p>Some of these companies have recent public controversies.</p><p>The Consumer Finance Protection Bureau <a target="_blank" rel="noopener" href="https://www.consumerfinance.gov/about-us/newsroom/cfpb-announces-action-against-citizens-bank/" data-analytics-product-module="body_link">filed a lawsuit against Citizens Bank</a> and claimed that the bank denied customers' claims of unauthorized credit card use and billing mistakes, didn't fully refund customers when they reported fraud, and didn't properly respond to customers when they contacted Citizens Bank about these issues.</p><p>In 2022, American Express paid $430,500 in a settlement with the United States Department of the Treasury's Office of Foreign Assets Control (OFAC). In the <a target="_blank" rel="noopener" href="https://ofac.treasury.gov/recent-actions/20220715" data-analytics-product-module="body_link">settlement</a>, OFAC accused the bank of processing transactions on an account where the supplemental cardholder was linked to illegal drug distribution and money laundering.</p><p>In 2023, JP Morgan Chase was required to pay <a target="_blank" rel="" href="https://www.businessinsider.com/jp-morgan-settles-virgin-islands-jeffrey-epstein-sex-trafficking-suit-2023-9" data-analytics-product-module="body_link">$75 million in a settlement</a> with the U.S. Virgin Islands that accused the financial institution of failing to report suspicious activity regarding Jeffrey Epstein's sex trafficking operation.</p><p>In 2023, the Consumer Financial Protection Bureau required <a target="_blank" rel="noopener" class="" href="https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-us-bank-to-pay-21-million-for-illegal-conduct-during-covid-19-pandemic/" data-analytics-product-module="body_link"><u>U.S. Bank to pay $21 million</u></a>, saying it kept people from accessing unemployment benefits during the COVID-19 pandemic. The Office of the Comptroller of the Currency fined U.S. Bank $15 million for the same reason.</p><p>In 2022, U.S. Bank paid <a target="_blank" rel="noopener nofollow" href="https://www.bbb.org/us/mn/minneapolis/profile/bank/us-bank-0704-407" data-analytics-product-module="body_link"><u>$37.5 million in a settlement</u></a> with the Consumer Financial Protection Bureau. The CFPB accused the bank of obtaining customers' credit reports and opening checking accounts, savings accounts, credit cards, and lines of credit without their knowledge.</p><p>If these recent scandals worry you, you may decide to bank with one of our other top picks.</p><h2 id="6e4dfc7b-497f-48e0-82ae-12ca57be00d6" data-toc-id="6e4dfc7b-497f-48e0-82ae-12ca57be00d6">Criteria for a Great Business Checking Account</h2><p>Below, you'll find our top picks for business checking accounts. To determine the best checking accounts for small businesses, we reviewed each account to ensure they did not charge high monthly service fees and had minimal fees for other common bank charges. We narrowed our options further by assessing opening requirements and how many free transactions you can make monthly with an account. We also ensured that each account was either FDIC-insured or NCUA-insured, depending on whether it was a bank or a credit union. Some of our choices even offer enhanced FDIC insurance through insured cash sweeps.</p><p>We reviewed over a dozen financial institutions to find the best business checking accounts with no or low <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/monthly-bank-maintenance-fee" data-analytics-product-module="body_link" rel="">monthly bank maintenance fees</a>. </p><h2 id="219a17ce-3c30-4d66-add1-0d7a83856a3f" data-toc-id="219a17ce-3c30-4d66-add1-0d7a83856a3f" data-toc-label="Business Checking Account Features to Consider">Business Checking Account Features to Consider</h2><h3 id="68c7523a-2743-4b68-9ca8-2e4e7e3d2345" data-toc-id="68c7523a-2743-4b68-9ca8-2e4e7e3d2345">Transaction Limits and Fees on Business Checking Accounts</h3><p>Banks can limit how many monthly transactions you can make on a business checking account. You'll be charged a fee for each transaction that surpasses the limit.</p><p>Monthly transaction limits on business checking accounts are more likely to occur at brick-and-mortar banks than online banks. If you want to avoid transaction fees, there are some banks that allow unlimited monthly transactions, some of which are in our top picks.</p><h3 id="af14b96e-23ef-4949-94d2-aa7b7af411e1" data-toc-id="af14b96e-23ef-4949-94d2-aa7b7af411e1">ATM Network and Fees on Business Checking Accounts</h3><p>Banks can charge you for using an ATM that isn't in their network. If you frequently travel for your business and utilize ATMs, look for a bank that has a national ATM network or offers reimbursements for <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/bank-atm-fees" data-analytics-product-module="body_link" rel="">ATM fees</a>.</p><h3 id="0208f9e0-0e98-44d2-9c05-dd1817d24ed0" data-toc-id="0208f9e0-0e98-44d2-9c05-dd1817d24ed0">Additional Banking Services on Business Checking Accounts</h3><p>The type of bank you choose can also impact your access to additional banking services. For example, brick-and-mortar banks tend to offer a greater variety of business loans or business credit cards than online banks and banking platforms. If you're interested in opening a <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/high-yield-business-savings-accounts" data-analytics-product-module="body_link" rel="">business savings account</a> or business CD, you can also check to see if those types of bank accounts are available at a specific financial institution.</p><h3 id="a217d2ea-c306-462c-8394-8ad48627e14d" data-toc-id="a217d2ea-c306-462c-8394-8ad48627e14d">Bookkeeping, Payment Processing, and Invoicing Tools and Integration on Business Checking Accounts</h3><p>Some financial institutions offer recordkeeping, payment processing, and invoicing tools, either built-in to your <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-mobile-banking-apps" data-analytics-product-module="body_link" rel="">mobile banking app</a> or integrated using other software. If you want an all-in-one banking software that allows you to draft and send invoices, keep track of all of your finances, make and receive payments, and manage your money in one place, a business checking account with those features can come in handy.</p><p>Check what tools come with your account, or see if your account integrates easily with accounting software like QuickBooks or software that offers merchant services. If this is something you're interested in, you can also check out <a target="_blank" href="https://www.businessinsider.com/personal-finance/taxes/best-tax-software-small-business-owners" data-analytics-product-module="body_link" rel="">small business tax software</a> to help you file taxes for your business.</p><h2 id="6ce7ca1e-f226-43c9-8153-c86fbd059be1" data-toc-id="6ce7ca1e-f226-43c9-8153-c86fbd059be1" data-toc-label="How to Open a Business Checking Account">How to Open a Business Checking Account</h2><p>If you're interested in opening a business checking account, here is the documentation you'll need to apply:</p><ul><li>Social Security number (if you have a sole proprietorship) or employee identification number (if you have a partnership or corporation)</li><li>Personal identification, like a driver's license or passport</li><li>Business license (It varies depending on the type of business you have. You may need both federal and state licenses.)</li><li>Basic business documentation (You should have a document that explains the formation of your business and what it does. If there are several owners, there should be an ownership agreement.)</li></ul><p>The <a target="_blank" rel="" href="https://www.businessinsider.com/personal-finance/banking/banks-credit-unions-for-immigrants-non-us-citizens" data-analytics-product-module="body_link">top banks for immigrants and non-U.S. citizens</a> allow you to provide a foreign passport or Matricula Consular as personal identification if you don't have a U.S. ID to open a bank account. </p><p>Keep in mind that opening a business bank account online may require additional authorization forms. For example, if there are multiple business owners, you might need to fill out an authorization form since you're not verifying your identity in person.</p><h2 id="52758087-1614-4b18-825d-25d83dba948e" data-toc-id="52758087-1614-4b18-825d-25d83dba948e">Credit Unions and Business Checking Accounts</h2><p>Choosing to open a business checking account with a credit union instead of a bank can help both you and your community. Credit unions are member-owned, which means any profits credit unions make go back to you in the form of lower monthly service fees, better handling of cash deposits, and more permissive transaction limits.</p><p>Because credit unions limit who can join, they can more easily help specific communities through better loans, interest rates, and programs. Many credit unions are community development financial institutions or minority depository institutions, like <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/black-owned-banks-credit-unions" data-analytics-product-module="body_link" rel="">Black-owned credit unions</a>; both CDFIs and MDIs help underserved communities have access to banking services that might otherwise be unavailable to them.</p><p>That being said, credit unions aren't right for everyone. The <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-banks" data-analytics-product-module="body_link" rel="">best </a><a target="_blank" rel="noopener" href="https://www.businessinsider.com/personal-finance/banking/best-banks" data-analytics-product-module="body_link">banks </a>could potentially offer a greater range of services than a local credit union. Additionally, many credit unions require you to open a savings account with them and keep a small amount of money in it as part of membership, which could be frustrating if you're only interested in opening one account with a credit union. Credit unions might also offer limited customer service hours and locations compared to big brick-and-mortar banks.</p><h2 id="why-you-should-trust-us" data-toc-id="63817c4d-6f81-48b6-8c40-cc09b2c7efaa" data-toc-label="Why You Should Trust Us" class="toc-anchor">Why You Should Trust Us: How We Reviewed Business Checking Accounts</h2><p>To learn more about what makes a good account and how to choose the best fit, four experts weighed in.</p> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 433 / 1200)"> <meta itemprop="contentUrl" content="https://i.insider.com/65f30d7d3037f8e81750540e"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/65f30d7d3037f8e81750540e":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":433}}" alt="PFI Banking Expert Panel (updated Mar 2024); (from left to right) Tania Brown; Roger Ma; Sophia Acevedo; Mykail James"> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> BI </span> </span> </figure> <p>Our experts focused on what will make a business checking account the most useful, including low fees, transaction limits, branch locations, and more. Here's what they had to say about finding an account. (Some text may be lightly edited for clarity.)</p><p><strong>How can someone choose the business checking account that's right for them?</strong></p><p><strong>Tania Brown, CFP® professional and vice president of coaching strategy at </strong><a target="_blank" rel="noopener nofollow" href="https://www.ofcolor.com/" data-analytics-product-module="body_link"><strong>OfColor</strong></a><strong>:</strong></p><p>"Consider how you will use the bank account, and what features the account needs to have for you to run your business with ease. Here are a few examples of questions to think about:</p><p>"How much is your average account balance? If you are new and broke, you may not see the benefits of a business checking account with free services for balances over $100k.</p><p>"What types of transactions do you do the most? Do you write a lot of checks or do a lot of wire transfers? Whatever transactions you do the most, you want to make sure you choose a bank that will charge the least (preferably nothing) for these services.</p><p>"Do you want to be able to integrate your accounting software with your bank? If you, check your accounting software program to see how easily the program integrates with your potential bank."</p><p><strong>Roger Ma, CFP® professional and author of </strong><a target="_blank" rel="noopener nofollow sponsored noindex" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-74331-20&h=31bf466b879811c2fa77c6601e65e34a67cd14e5357f9b75981603fa93963772&platform=browser&postID=6744b3b9cb042e5dec171202&postSlug=personal-finance%2Fbanking%2Fbest-business-checking&site=bi&u=https%3A%2F%2Fwww.amazon.com%2FWork-Your-Money-Not-Life%2Fdp%2F1119600367%2F" data-analytics-product-module="body_link" data-am-orig-url="https://affiliate.insider.com/?h=31bf466b879811c2fa77c6601e65e34a67cd14e5357f9b75981603fa93963772&u=https%3A%2F%2Fwww.amazon.com%2FWork-Your-Money-Not-Life%2Fdp%2F1119600367%2F"><strong>"Work Your Money, Not Your Life"</strong></a><strong>:</strong></p><p>"Someone may want to consider whether they value having a physical branch nearby. If so, they may prefer to use a brick-and-mortar bank instead of an online bank. In addition, someone should also consider their business's other financial needs. Down the road, would they want to be able to work with the same bank to open a <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" data-analytics-product-module="body_link" rel="">business credit card</a>, open a line of credit, or get a business loan?"</p><p><strong>What should someone look for in a brick-and-mortar bank?</strong></p><p><strong>Mykail James, MBA, certified financial education instructor, </strong><a target="_blank" rel="noopener nofollow" href="https://www.boujiebudgets.com/" data-analytics-product-module="body_link"><strong>BoujieBudgets.com</strong></a><strong>:</strong></p><p>"How accessible it is. Where are the branches? And if I am to go out of town or something, how accessible is my money to me?"</p><p><strong>Sophia Acevedo, banking editor, </strong><a target="_blank" rel="" href="https://www.businessinsider.com/author/sophia-acevedo" data-analytics-product-module="body_link"><strong>Business Insider</strong></a></p><p>"If you're more comfortable with a traditional bank experience, I would compare several nearby banks and see which accounts allow you to waive most fees. For example, with a business checking account, I would pay attention to monthly service fees, out-of-network ATM fees, and wire transfer fees."</p><p><strong>What should someone look for in an online bank?</strong></p><p><strong>Tania Brown, CFP® professional:</strong></p><p>"With an online bank, absolutely online customer service, because you do not have the advantage of walking inside and talking to a human being. How often are you able to get them? What are their hours?"</p><p><strong>Mykail James, CFEI:</strong></p><p>"What type of securities do they provide? Do they have two-factor identification? If it's an online bank, they should definitely have — at the bare minimum — two-factor authentication in how easy it is to change your passwords and things like that, because you want to be a little more hypersensitive about the cyber security for a strictly online bank."</p><p><strong>Why You Should Trust Us: How We Reviewed the Best Business Checking Accounts</strong></p><p>Business Insider's personal finance team reviewed over two dozen financial institutions before selecting our top picks for business checking accounts. We prioritized business checking accounts with no or low monthly service fees.</p><p>Then, we looked at the minimum amount you need to open the account. We looked at how many free transactions you can make each month with an account. All our top choices let you make at least 125 monthly transactions, and many offer unlimited transactions.</p><p>To get a rating for our top business checking accounts, we rate each product with a score from zero to five across several categories. For business checking accounts, those categories are minimum opening deposit requirements, monthly service fees, transaction limits, ATM networks and fees, customer support availability, mobile app ratings, ethics, security, miscellaneous features, and overdraft protection. Once each category has a score, we calculate the weight average to get the product's final star rating, which can land anywhere from one to five stars.</p><p>See our <a target="_blank" rel="" href="https://www.businessinsider.com/personal-finance/banking/methodology" data-analytics-product-module="body_link">bank account rating methodology</a> to learn more about how we rate bank accounts.</p><h2 id="faqs" data-toc-id="4681f5b2-e039-4dbb-b8f2-a0bd1569fd37" data-toc-label="FAQs" class="toc-anchor">Business Checking Account FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I open a business bank account with an EIN only? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Sole proprietors may use their Social Security number instead of an EIN. You'll need an EIN to open a business account if you aren't the only person in charge of your business.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What should I look for in a free business checking account? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">If you're wondering what you should look for in a free business checking account, ask yourself whether you want to bank online or in person. Then figure out how many transactions your business will need to make each month and find a bank that allows that number of free transactions. You should also think about how much you'll need to deposit in cash every month and whether you'll need to make <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/wire-transfer-fees" data-analytics-product-module="body_link" rel="">wire transfers</a>.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I use a personal bank account as a business account? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, you can use a personal checking account for your business — but doing so comes with complications. Your personal name rather than your business name will appear on checks, and you may find it difficult to separate personal and business spending. It could also be tricky when tax season rolls around and you need to prove business-related purchases. If you are starting your own business, <a target="_blank" rel="noopener" href="https://www.irs.gov/publications/p334" data-analytics-product-module="body_link">the IRS recommends</a> getting a separate checking account specifically for managing business finances.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I deposit cash with an online-based free business checking account? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Some online-based free business checking accounts allow you to make cash deposits at select retailers or ATMs. You may have to pay a fee (up to $4.95) for each deposit, though.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do free business checking accounts differ from traditional business checking accounts? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">A free business checking account differs from a traditional business checking account because it doesn't charge any monthly service fees.</p> </div> </div> </div><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=pfi&resize=1&ident=99&pub_inventory=banking/best-business-checking-pfi-banking" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/kit-pulliam" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="kit-pulliam"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/65a6ccbc43bb77284b9d6b28?crop=1:1&width=256&format=jpeg&auto=webp" alt="A person with a shaved head and black glasses smiles at the camera. They have a dark blue collared shirt on."> <noscript> <img class="no-script" src="https://i.insider.com/65a6ccbc43bb77284b9d6b28?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/kit-pulliam" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Kit Pulliam</div> </a> <div class="post-author_title headline-regular">Banking reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Kit Pulliam (they/them) is a banking expert who specializes in certificates of deposit, savings accounts, and checking accounts. They’ve been reporting, editing, and fact-checking personal finance stories for more than four years. <span class="headline-semibold">Experience</span></span><span>In college, Kit worked as an undergraduate research assistant in a psychology lab. While there, they found that they were passionate about writing and helping others write about topics that matter.</span><span>Before Business Insider, Kit was an editorial specialist for Tax Analysts, diving into the tax code to help readers get the best information about a confusing but necessary subject.</span><span>They find banking similar to taxes in that way: There are some things everyone needs to know because just about everyone needs to work with a bank — and you don’t want to end up with an account that doesn’t serve your needs.</span><span>As interest rates change, they enjoy the fast pace of reviewing rates for products like CDs and high-yield savings, which can change daily and have a direct impact on readers’ money.</span><span>Their work has been featured in Business Insider and MSN. They were part of the <a href="https://www.businessinsider.com/category/my-financial-life" rel="">My Financial Life</a> series with Business Insider.<span class="headline-semibold">Expertise</span></span><span>Their expertise includes:</span><ul><li><span>Certificates of deposit</span></li><li><span>Savings accounts</span></li><li><span>Checking accounts</span></li><li><span>CD rates</span></li><li><span>Bank reviews</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Kit is an alumnus of Vanderbilt University, where they studied English and psychology and received the Jum C. Nunnally Honors Research Award for their senior thesis.</span><span>Outside personal finance, Kit enjoys reading, film, video games, and cross stitching. They are based in the DC area.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="evelyn-he"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" alt="Evelyn He smiles at the camera, standing indoors against a white wall with fairy lights in the background."> <noscript> <img class="no-script" src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Evelyn He</div> </a> <div class="post-author_title headline-regular">Compliance and Operations Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Evelyn He is a compliance and operations associate for Business Insider’s Personal Finance team. Evelyn ensures content accuracy and editorial independence so readers get the most up-to-date and objective financial advice, enabling them to make informed financial decisions.</span><span><span class="headline-semibold">Experience</span></span><span>As part of the compliance team, Evelyn helps fact check Personal Finance stories and works to make sure that the language is clear, precise, and compliant with government regulations and partner guidelines. </span><span>Previously, Evelyn worked as a compliance specialist for Apellis Pharmaceuticals and a legal assistant at the law firm Morrison Mahoney.</span><span><span class="headline-semibold">Expertise</span></span><span>Evelyn is an expert in the following areas:</span><ul><li><span>Compliance</span></li><li><span>Quality assurance</span></li><li><span>Affiliate marketing</span></li><li><span>Search engine optimization (SEO)</span></li><li><span>Content strategy</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Evelyn earned a bachelor’s degree in business administration from UMass Amherst and a master’s in marketing from Boston University.</span><span>Evelyn has two dogs, Money and Tibber.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> </div> </div> </div> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Business Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"subscription_experience":"bi_value_unassigned","product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 24 / 318)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/business-insider-today.svg' alt="Business Insider Today" /> <noscript> <img class="no-script" src="/public/assets/BI/US/logos/newsletters/business-insider-today.svg" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Get the inside scoop on today's big stories<span class="homepage-newsletter-description-desktop"> - delivered daily</span>. </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop d-none"> <div class="success-message-container"> <div class="success-message headline-semibold"> Thanks for signing up! 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