Checking accounts with built-in bill pay, cards and bookkeeping helpers.
Updated Oct 23, 2026. Our picks, in order. Independent software reviews, not financial or accounting advice.
Business banking with cards, bill pay, invoicing and expense tools, plus Mercury Books (accounting) and Mercury Payroll add-ons.
Verdict. Best online banking for startups and online businesses that want bill pay and books in the bank.
Published price. Mercury $0/month. Plus $29.90/month. Pro $299/month. Add-ons: Mercury Books $35/month and Mercury Payroll $100/month + $50 per person paid, both waived until Dec 31, 2026. Checked Oct 22, 2026.
Business checking with multiple checking accounts, cards, bill pay, multi-step approval rules and bookkeeping automations.
Verdict. Best for owners who like to split cash across several accounts with approvals on spending.
Published price. Starter $0/month. Grow $30/month. Scale $90/month (shown discounted from $120). Checked Oct 22, 2026.
Business checking with no monthly or overdraft fees, free standard ACH, bill pay, invoicing and accounts payable tools.
Verdict. Best no-fee checking for a traditional small business.
Published price. Standard checking has no monthly fees. Upgraded plans available. Checked Oct 22, 2026.
Banking for self-employed people and small businesses with built-in bookkeeping: automatic expense categorization, receipt scanning and write-off tagging.
Verdict. Best for solo owners who want banking and basic books in one app.
Published price. Found Free. Found Plus $35/month ($315/year). Found Pro $80/month ($720/year). Checked Oct 22, 2026.
Free business checking for independent businesses, with tools to get paid and manage cash flow.
Verdict. Best free checking for freelancers and very small businesses.
Published price. Free business checking. Checked Oct 22, 2026.