Great For All Business Sizes
U.S. Bank Business Checking
Simple, fee-free business checking
Earn a $500 bonus on select new accounts. Use code Q2AFL25 and complete qualifying activities
Great For All Business Sizes
Learn More

5.0
5.0
MoneyAtlas
Rating
U.S. Bank Business Checking
Simple, fee-free business checking
Earn a $500 bonus on select new accounts. Use code Q2AFL25 and complete qualifying activities
Offer valid through 6/30/25. See terms
Accept payments and get paid fast
Learn MoreOn U.S. Bank's Site
Relay
Easily control your cashflow
Earn up to 3.03% APY with an automated savings account
Learn More

4.9
4.9
MoneyAtlas
Rating
Relay
Easily control your cashflow
Earn up to 3.03% APY with an automated savings account
No account or overdraft fees, no minimum balance
Open up to 20 checking accounts
Learn MoreOn Relay's Site
Why Your Business Checking Choice Matters
A business checking account is the hub for payroll, vendor bills, customer payments, and tax transfers. The wrong account piles on avoidable fees and slows down cash flow; the right one keeps every dollar moving smoothly and cheaply.
1. Spot the Cost Traps
2. Choose an Account Built for Your Operation
3. Must-Have Features
- Fast payments – Built-in FedNow, RTP, or same-day ACH so receivables clear fast.
- Software sync – Direct feeds to QuickBooks, Xero, or your POS; saves hours of manual entry.
- Employee controls – Free debit cards with per-card limits and real-time spend alerts.
- Remote deposit capture – Scan or snap photos of checks—no branch line.
- FDIC or NCUA insurance – Up to the standard limit for each tax-ID owner.
4. How to Open & Switch
- Apply online or in branch—have your EIN, formation docs, and driver’s license ready.
- Link payment platforms—update Stripe, PayPal, payroll, and vendor ACH instructions.
- Run parallel for one statement cycle—verify all deposits and debits hit the new account before closing the old one.
5. Quick Tips to Trim Costs
- Automate low-balance alerts to avoid overdrafts and wire rushes.
- Batch outgoing payments on free ACH days instead of single pricey wires.
- Negotiate merchant-services bundles; some banks waive checking fees if you process card payments with them.
- Review fee statement quarterly—growth often pushes you into the next pricing tier with better freebies.