Best for
Best Business Checking for Freelancers
Freelancers usually want a simple account that separates business money from personal money, takes client payments easily, and keeps fees low when balances are small.
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What we compare for this list
- Monthly fee and how easy it is to avoid on a small balance
- How clients can pay you (ACH, card, invoices)
- Opening as a sole proprietor with an SSN or an EIN
- Bookkeeping and tax export options
Accounts under review
PLACEHOLDER: Picks for this use case publish after the fees and features above are verified on each provider's page. Listed alphabetically for now.
| Account | Type | Who holds your deposits | Links |
|---|---|---|---|
| Axos Bank Business Checking Axos Bank | Bank | Axos Bank as of Oct 30, 2026, source | |
| Bluevine Business Checking Bluevine | Fintech (partner bank) | Coastal Community Bank, Member FDIC as of Oct 30, 2026, source | |
| Chase Business Complete Banking JPMorgan Chase Bank, N.A. | Bank | JPMorgan Chase Bank, N.A. as of Oct 30, 2026, source | |
| Mercury Business Checking Mercury | Fintech (partner bank) | Choice Financial Group and Column N.A., Members FDIC as of Oct 30, 2026, source | |
| Relay Business Checking Relay Financial | Fintech (partner bank) | Thread Bank, N.A., Member FDIC as of Oct 30, 2026, source | |
| Wells Fargo Initiate Business Checking Wells Fargo Bank, N.A. | Bank | Wells Fargo Bank, N.A. as of Oct 30, 2026, source |
Other lists: LLCs, High yield, No monthly fee, Cash deposits