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Business bank accounts

Business bank accounts, compared

Every business bank account here is scored with the same public rubric. Each number links to its source and shows when we last verified it. A factual comparison, not financial advice.

15 business bank accounts · Updated Oct 17, 2026Public methodology · updated Oct 17, 2026
How we compare

A restaurant's bank account does three jobs: it receives card settlements and cash, it pays suppliers, and it runs payroll. This page compares business checking accounts on the facts that change that work, the same way for every bank and fintech, with a link to each source.

What we compare:

  • What the account costs for a restaurant like yours: the monthly fee, how you can avoid it, and the fees for cash deposits and for transactions beyond the included ones.
  • Cash. Whether you can deposit the restaurant's cash, where (branch, the bank's ATMs, a partner ATM network or a store), up to how much and at what cost. Many app-based accounts don't take cash at all, or cap it below what a busy restaurant deposits.
  • Who holds the money. A fintech is not a bank: your deposits sit at its partner bank. We name that bank as the provider publishes it and explain how FDIC insurance applies.
  • What the owners need to open it. SSN, ITIN, passport and the business's EIN, written exactly as each bank publishes them. We never assume a bank accepts an ITIN because it asks for an EIN.
  • Day to day and closing. Mobile check deposit, the accounting software it connects to, outgoing wires and what it costs to close the account.

This is a factual comparison, not financial advice: each bank decides who can open an account, and fees change. Interest on the balance and opening bonuses are shown for context but never lower the cost or the score.

Highest RTC Scores

Ranked by RTC Score with our default weights. Rankings by type of business are below.

  1. RTC SCORE

    8.6

    #1 overall

    Relay Business Checking

    Online business checking from a fintech, with banking by Thread Bank, in three plans ($0, $30 and $120 a month). Cash goes in free at Allpoint+ ATMs or for up to $4.95 at Green Dot retailers.

    Read the review

  2. RTC SCORE

    6.8

    #2 overall

    Huntington Business Checking 100

    Business checking from The Huntington National Bank with no monthly fee, 100 transactions a month included and $2,500 of branch or ATM cash a month free; Unlimited Business Checking adds unlimited transactions and $10,000 of free cash for $20 a month unless waived.

    Read the review

  3. RTC SCORE

    6.7

    #3 overall

    Capital One Business Basic Checking

    Business checking from Capital One, N.A. with a $15 monthly fee that an average balance waives, unlimited digital transactions, $5,000 of teller cash deposits included each month and free cash deposits at Capital One and select Allpoint ATMs.

    Read the review

See the full ranking

All business bank accounts

Showing all 15 products

Check 2 to 4 products to compare them side by side.

15 restaurant POS systems, ranked by RTC ScoreScroll sideways to see every column.
ProductRTC ScoreInitial termEarly terminationMonthly fee
#1Relay Business CheckingRelay
8.6out of 10Month to monthYou can close the account at any time, for any reason, by email; Relay may refuse while the balance is negative. Move your money out first; a closed account with more than $1 is paid out by paper check. Relay can also suspend or close the account at its discretion, and may close it after 12 months without deposits or withdrawals (section 3.16).$0/mo
#2Huntington Business Checking 100Huntington Bank
6.8out of 10Month to monthYou or Huntington can close the account at any time (Rules and Regulations for Business Accounts). The charges forms list no closing fee; an account that stays negative for 60 days is closed automatically.$0/mo
#3Capital One Business Basic CheckingCapital One
6.7out of 10Month to monthYou can close the account at any time with written notice, once all fees are paid and all items have been paid or collected. The bank may charge a fee if the account is closed early or has a negative balance; the amount is not published (Rules Governing Deposit Accounts, section 8.6).$15/mo
#4U.S. Bank Business EssentialsU.S. Bank
6.4out of 10Month to monthYou close the account by telling the bank; emptying it to $0 is not enough notice and may cause additional fees. Leave funds for pending items. The bank can close the account for any reason. An account with a zero balance and no activity for four months closes automatically, along with its payment processing.$0/mo
#5PNC Business CheckingPNC
5.9out of 10Month to monthYou or PNC may close the account at any time, for any reason, without advance notice. PNC may ask for the request in writing and doesn't have to close it until outstanding checks, ATM, card and ACH items are resolved; a positive balance is mailed to you.$12/mo
#6Chase Business Complete BankingChase
5.7out of 10Month to monthYou can close the account at any time, without prior notice. Chase does not have to close it at your request while there are pending transactions, a negative balance, legal process or holds; the balance is returned less any fees, claims or set-offs (Deposit Account Agreement, section VIII).$15/mo
#7Bank of America Business Advantage Fundamentals BankingBank of America
5.6out of 10Month to monthYou can close the checking account at any time without advance notice. The bank does not have to close it while there are pending transactions, a negative balance, legal process or a hold; a fee waiver does not carry over if the account is reopened (Deposit Agreement, Account Closing).$16/mo
#8Wells Fargo Initiate Business CheckingWells Fargo
5.4out of 10Month to monthYou can ask to close the account at any time. It must be in good standing (no negative balance, holds, legal orders or court blocks) and pending items must post first. A zero balance does not close the account: monthly fees keep applying until you ask to close it (Deposit Account Agreement, Closing Accounts).$15/mo
#9Bluevine Business CheckingBluevine
4.3out of 10Month to monthYou can close the account by email or phone to customer support. Any remaining balance is mailed to you by check within 14 business days; the bank may keep a balance under $2.00, and funds can be held if fraud is suspected.$0/mo
#10Mercury Business CheckingMercury
4.1out of 10Month to monthThe terms set no early termination fee$0/mo
#11Lili Business CheckingLili
3.6out of 10Month to monthYou can close the account after paying any fees owed and withdrawing your funds; Lili may ask for written notice. Lili does not return a remaining balance under $5.00, and the agreement says closing fees are deducted from the final balance without listing one.$0/mo
#12Found Business BankingFound
3.6out of 10Month to monthThe Terms say you can cancel the account at any time by email; Found's help center says closure must be done by you from Settings in the account, not by email or support. Move your balance out first. If you cancel a paid plan, it stays active until the end of the period already paid, with no refund.$0/mo
#13Novo Business CheckingNovo
3.2out of 10UnconfirmedThe terms set no early termination fee$0/mo
Axos Basic Business CheckingAxos Bank
Not enough dataMonth to monthYou close the account by notifying Axos, which may ask for the notice in writing. The schedule of fees has no closing fee; only accounts opened with the START200 promotion may be charged up to $200 if closed within 180 days.$0/mo
Square CheckingSquare
Not enough dataMonth to monthThe terms set no early termination fee$0/mo

Business bank account rankings by type of business

Each ranking adjusts the weights to what matters most for that kind of business.

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