Free business checking for independent businesses, with tools to get paid and manage cash flow.
Best free checking for freelancers and very small businesses.
Free business checking.
From the vendor's pricing page, checked . Prices change; confirm on the vendor's site before you buy.
Other tools in business banking.
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.