Best for
Best No Monthly Fee Business Checking
A no monthly fee account is worth checking twice: look at transaction limits, cash deposit fees, wire fees and out-of-network ATM fees, not only the headline fee.
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What we compare for this list
- Monthly fee, or how to waive it
- Transaction and cash deposit limits
- Wire, ATM and overdraft fees
- Minimum opening deposit
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: Freelancers, LLCs, High yield, Cash deposits