Business bank account cost calculator

Enter your cash, deposits, transactions and balance to estimate what each account costs over 12 or 36 months. An account that can't take your cash says so instead of showing a cheap number.

Your restaurant's banking

Start from a typical restaurant

Cash you deposit a month ($)

Total for the month, all deposits together.

Number of cash deposits a month

Transactions a month

Deposits, checks and payments as the bank counts them, cash deposits included.

Lowest balance you keep all month ($)

A balance waiver only counts when this reaches it.

Debit card purchases a month ($)

Months to compare

Cancel in month (optional)

Adds the early termination fee if you leave in that month.

Which one do you use today? (optional)

We mark it in the results. It stays in this browser and only reaches your account if you save it there.

Assumptions

Cash deposits are equal amounts spread over the month, at most one a day. It is a cost scenario, never a suggestion to split deposits.
Each bank counts transactions its own way; some leave electronic payments out.
A waiver counts only when your numbers meet it. Waivers tied to another product or relationship, and free first months for new accounts, are not counted.
Interest and opening bonuses are not subtracted. Wires, overdrafts and optional services are listed on each pricing page and not added here.
An estimate from published fees, not a quote or a recommendation. The bank decides who can open an account.

With the example numbers, the lowest your restaurant would pay: Relay Business Checking, $0 over 12 months.

Estimated cost over 12 months with the example numbers
Product	You pay (12 mo)
Relay Business Checking See the breakdown Monthly fee: Relay Starter$0 Cash deposits at partner ATMs$0 Outgoing domestic wire: only applies in some cases, not included. Same-day ACH transfer: only applies in some cases, not included. Stop payment: only applies in some cases, not included. Cash deposits are taken as equal amounts spread over the month, at most one a day; this is a cost scenario, not a suggestion to split deposits. Interest on the balance and opening bonuses are not subtracted from the cost.	$0About $0 a month Estimated with Relay Starter.
Huntington Business Checking 100 See the breakdown Monthly fee: Business Checking 100$0 Cash deposits at a branch$126 Reverse Positive Pay (after the 120-day trial): only applies in some cases, not included. Outgoing domestic wire (online): only applies in some cases, not included. Incoming domestic wire: only applies in some cases, not included. Zelle transaction: only applies in some cases, not included. Overdraft: only applies in some cases, not included. Stop payment (online): only applies in some cases, not included. Non-Huntington ATM transaction: only applies in some cases, not included. Mailed statement: only applies in some cases, not included. Dormant account: only applies in some cases, not included. Cash deposits are taken as equal amounts spread over the month, at most one a day; this is a cost scenario, not a suggestion to split deposits. Interest on the balance and opening bonuses are not subtracted from the cost.	$126About $11 a month Estimated with Business Checking 100.
Capital One Business Basic Checking See the breakdown Monthly fee: Basic Checking$180 Cash deposits at the bank's ATMs$0 Outgoing domestic wire (Basic): only applies in some cases, not included. Incoming domestic wire (Basic): only applies in some cases, not included. Overdraft or returned item: only applies in some cases, not included. Stop payment: only applies in some cases, not included. Withdrawal at ATMs outside the network: only applies in some cases, not included. Cashier's check: only applies in some cases, not included. Cash deposits are taken as equal amounts spread over the month, at most one a day; this is a cost scenario, not a suggestion to split deposits. Interest on the balance and opening bonuses are not subtracted from the cost. Ways to avoid the monthly fee that depend on another product or relationship with the bank are not counted.	$180About $15 a month Estimated with Basic Checking.
PNC Business Checking See the breakdown Monthly fee: PNC Business Checking$144 Cash deposits at a branch$36 Night drop bag processing: only applies in some cases, not included. Paper statement: only applies in some cases, not included. Outgoing domestic wire (branch): only applies in some cases, not included. Non-PNC ATM transaction (U.S.): only applies in some cases, not included. Overdraft or returned item: only applies in some cases, not included. Stop payment: only applies in some cases, not included. Cash deposits are taken as equal amounts spread over the month, at most one a day; this is a cost scenario, not a suggestion to split deposits. Interest on the balance and opening bonuses are not subtracted from the cost. Months without the fee for new accounts are an introductory offer, so they are not taken off the cost. Ways to avoid the monthly fee that depend on another product or relationship with the bank are not counted.	$180About $15 a month Estimated with PNC Business Checking.
Wells Fargo Initiate Business Checking See the breakdown Monthly fee: Wells Fargo Initiate Business Checking$180 Cash deposits at a branch$36 Outgoing domestic wire: only applies in some cases, not included. Overdraft: only applies in some cases, not included. Stop payment: only applies in some cases, not included. Cash withdrawal at a non-Wells Fargo ATM: only applies in some cases, not included. Cash deposits are taken as equal amounts spread over the month, at most one a day; this is a cost scenario, not a suggestion to split deposits. Interest on the balance and opening bonuses are not subtracted from the cost. Months without the fee for new accounts are an introductory offer, so they are not taken off the cost. Ways to avoid the monthly fee that depend on another product or relationship with the bank are not counted.	$216About $18 a month Estimated with Wells Fargo Initiate Business Checking.
U.S. Bank Business Essentials See the breakdown Monthly fee: U.S. Bank Business Essentials$0 Cash deposits at a branch$147 Teller and paper transactions over 25$210 Paper statement: only applies in some cases, not included. Outgoing domestic wire (online): only applies in some cases, not included. Non-U.S. Bank ATM transaction: only applies in some cases, not included. Overdraft paid: only applies in some cases, not included. Stop payment on a check: only applies in some cases, not included. Dormant account: only applies in some cases, not included. Cash deposits are taken as equal amounts spread over the month, at most one a day; this is a cost scenario, not a suggestion to split deposits. Interest on the balance and opening bonuses are not subtracted from the cost.	$357About $30 a month Estimated with U.S. Bank Business Essentials.
Bank of America Business Advantage Fundamentals Banking See the breakdown Monthly fee: Business Advantage Relationship Banking$359 Cash deposits at a branch$0 Outgoing domestic wire: only applies in some cases, not included. Overdraft item: only applies in some cases, not included. Stop payment: only applies in some cases, not included. Withdrawal at a non-Bank of America ATM: only applies in some cases, not included. Cash deposits are taken as equal amounts spread over the month, at most one a day; this is a cost scenario, not a suggestion to split deposits. Interest on the balance and opening bonuses are not subtracted from the cost. Months without the fee for new accounts are an introductory offer, so they are not taken off the cost. Ways to avoid the monthly fee that depend on another product or relationship with the bank are not counted.	$359About $30 a month Estimated with Business Advantage Relationship Banking.
Chase Business Complete Banking See the breakdown Monthly fee: Chase Business Complete Banking$180 Cash deposits at the bank's ATMs$0 Banker and paper-check transactions over 20$240 Outgoing domestic wire: only applies in some cases, not included. Overdraft: only applies in some cases, not included. Stop payment: only applies in some cases, not included. Withdrawal at a non-Chase ATM: only applies in some cases, not included. Cash deposits are taken as equal amounts spread over the month, at most one a day; this is a cost scenario, not a suggestion to split deposits. Interest on the balance and opening bonuses are not subtracted from the cost. Months without the fee for new accounts are an introductory offer, so they are not taken off the cost. Ways to avoid the monthly fee that depend on another product or relationship with the bank are not counted.	$420About $35 a month Estimated with Chase Business Complete Banking.
Bluevine Business Checking See the breakdown Monthly fee: Bluevine Standard$0 Cash deposits at partner ATMs$504 Outgoing domestic wire (Standard): only applies in some cases, not included. Outgoing domestic wire (Plus): only applies in some cases, not included. Outgoing domestic wire (Premier): only applies in some cases, not included. Outgoing same-day ACH (Standard): only applies in some cases, not included. Paper check payment (Standard): only applies in some cases, not included. ATM withdrawal outside MoneyPass: only applies in some cases, not included. Dormancy fee: only applies in some cases, not included. Cash deposits are taken as equal amounts spread over the month, at most one a day; this is a cost scenario, not a suggestion to split deposits. Interest on the balance and opening bonuses are not subtracted from the cost.	$504About $42 a month Estimated with Bluevine Standard.
Axos Basic Business CheckingIncomplete See the breakdown Monthly fee: Basic Business Checking$0 Cash deposits: could not be determined. Outgoing domestic wire: only applies in some cases, not included. Non-sufficient funds, paid or returned: only applies in some cases, not included. Stop payment (online): only applies in some cases, not included. Paper statement: only applies in some cases, not included. Deposited item returned unpaid: only applies in some cases, not included. Early closure under the START200 promotion: only applies in some cases, not included. Cash deposits are taken as equal amounts spread over the month, at most one a day; this is a cost scenario, not a suggestion to split deposits. Interest on the balance and opening bonuses are not subtracted from the cost.	Can't be estimatedCash deposits: could not be determined.
Found Business BankingCan't take this cash	Can't be estimatedThis account can't take the cash in your numbers (it doesn't accept cash, or its published deposit limits are lower), so it has no total for this scenario.
Lili Business CheckingCan't take this cash	Can't be estimatedThis account can't take the cash in your numbers (it doesn't accept cash, or its published deposit limits are lower), so it has no total for this scenario.
Mercury Business CheckingCan't take this cash	Can't be estimatedThis account can't take the cash in your numbers (it doesn't accept cash, or its published deposit limits are lower), so it has no total for this scenario.
Novo Business CheckingCan't take this cash	Can't be estimatedThis account can't take the cash in your numbers (it doesn't accept cash, or its published deposit limits are lower), so it has no total for this scenario.
Square CheckingIncomplete See the breakdown Monthly fee: Square Checking$0 Cash deposit limits: not published. Instant or same-day transfer out: only applies in some cases, not included. Cash deposits are taken as equal amounts spread over the month, at most one a day; this is a cost scenario, not a suggestion to split deposits. Interest on the balance and opening bonuses are not subtracted from the cost.	Can't be estimatedCash deposit limits: not published.

Estimates from published prices and contracts. Your quote can differ; check it before you sign.

Estimates based on the fees in our catalog (each bank's own site, fee schedule or agreement unless the source says otherwise) and our reference assumptions. A fee or limit the bank doesn't publish is flagged, never counted as $0. Interest and opening bonuses aren't subtracted. Not a quote, financial advice or a promise of approval.

The monthly fee is only part of what a business account costs a restaurant. This calculator estimates the total for your numbers with the fees each bank publishes.

Enter how much cash you deposit a month and in how many deposits, how many transactions the account has, the lowest balance you keep all month and what you spend with the debit card. The calculator adds:

the monthly fee of the cheapest tier that takes your cash, unless your numbers meet one of its waivers;
the cash fees of the cheapest deposit channel whose published limits take your cash;
the fees for transactions beyond the ones the tier includes;
one-time fees and, if you pick a month to leave, the fee to close the account.

An account that doesn't take cash, or whose limits are lower than your cash, shows "can't take this cash" instead of a cheap number. When a bank doesn't publish a fee or its cash limits, you'll see "incomplete". Interest and opening bonuses are never subtracted.

This is an estimate, not a quote or a recommendation. Use it to compare accounts and to ask better questions before you open one.

How we score Business bank accounts, compared