Independent · sourced · Updated June 2026
Best Business Bank Accounts (2026)
8 business bank accounts options compared on price, free tier, compliance and fit — ranked by entry price. Every figure links to the vendor's own page and the date we captured it; quote-only tiers show a dash, never a guess.
The cheapest business bank accounts is Bluevine at $0/mo. 8 offer a free tier. All 8 compared below on price, free tier and compliance — every figure sourced and dated, updated June 2026.
As of Jun 15, 2026 · figures linked to their source in the table below
Cite this comparison
Per The Front Desk Review, the cheapest business bank accounts is Bluevine at $0/mo; across 6 with published pricing the median is $28.07/mo ($12–$30/mo), 8 with a free tier, every figure sourced and dated, as of 2026-06-15. https://frontdeskreview.com/best/business-bank-accounts/ Key takeaways
- Typical paid price: from $12/mo, median $28.07/mo, up to $30/mo — across 6 with published pricing.
- Free tier: Bluevine, Brex, Found, Lili, Mercury, Novo, Relay, Rho.
- Tracked: 8 vendors, data current through 2026-06-15.
Comparison
| # | Business Bank Account | Entry price | Free | HIPAA | SOC 2 | Best for | Source | Visit |
|---|---|---|---|---|---|---|---|---|
| 1 | Bluevine | $0/mo Standard | Yes | — | — | Small businesses seeking high-yield checking | bluevine.com | Visit → |
| 2 | Brex | $0/mo Essentials | Yes | — | Yes | VC-backed startups seeking to extend runway with yield | brex.com | Visit → |
| 3 | Found | $0/mo Found | Yes | — | Yes | Freelancers and independent contractors | found.com | Visit → |
| 4 | Lili | $0/mo Lili Core | Yes | — | — | Freelancers and solopreneurs | lili.co | Visit → |
| 5 | Mercury | $0/mo Mercury | Yes | — | Yes | Tech startups and VC-backed companies | mercury.com | Visit → |
| 6 | Novo | $0/mo Novo Business Checking | Yes | — | — | Freelancers and independent contractors | novo.co | Visit → |
| 7 | Relay | $0/mo Starter | Yes | — | — | Small businesses using Profit First cash management methodology | relayfi.com | Visit → |
| 8 | Rho | $0/mo Rho Business Banking | Yes | — | — | Startups and early-stage companies needing no-subscription banking | rho.co | Visit → |
Prices are the lowest published self-serve monthly rate as captured on the linked source. Annual-billing and usage details are on each vendor's record in our open dataset.
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What is the cheapest business bank accounts?
Bluevine has the lowest published entry price at $0/mo (Standard), as of 2026-06-15.
How much does business bank accounts cost per month?
Across the 6 business bank accounts with published paid pricing, the median starting price is $28.07/mo, ranging from $12/mo to $30/mo, as of 2026-06-15. 8 also offer a free tier.
Which business bank accounts have a free plan?
Bluevine, Brex, Found, Lili, Mercury, Novo, Relay, Rho offer a free tier.
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