Bluevine, Mercury, Novo, and Relay compared to find the best free business checking accounts. Our quiz helps you find the right bank for your needs.
2.0% APY on business checking with no monthly fees. Best for businesses that keep significant cash balances and want to earn interest.
API-first banking for tech startups and ecommerce. Free international wires, virtual cards, Stripe/Shopify integrations, and a full REST API for custom automations.
Simple, fee-free business checking for freelancers and small businesses. No monthly fees, worldwide ATM fee refunds, reserve accounts, and Novo Boost perks.
Up to 20 checking accounts with auto-allocation for Profit First methodology. No monthly fees, 50 virtual cards, and deep QuickBooks/Xero integration.
7 questions about your revenue, transaction volume, wire transfer needs, and priorities. Get matched to Bluevine, Mercury, Novo, or Relay.
| Bank | Monthly Fee | APY | International Wires | Cash Deposits | Best For |
|---|---|---|---|---|---|
| Bluevine Editor's Pick | $0 | 2.0% | $25/wire | Green Dot ($4.95) | High-balance businesses wanting interest |
| Mercury | $0 | ~0.5% | Included | No | Tech startups, API integrations |
| Novo | $0 | 0% | Limited | No | Freelancers, simple banking |
| Relay | $0 (Pro: $30) | 0% | Pro plan | No | Profit First / envelope budgeting |