Independent · sourced · Updated June 2026
Best Business Bank Accounts (2026)
The cheapest business bank accounts is Bluevine at $0/mo. 8 offer a free tier (Bluevine, Brex, Found). This page compares 8 options on entry price, free tier, HIPAA/SOC 2 and best-for — every figure linked to its source, updated June 2026.
8 options compared on price, free tier, compliance and fit — ranked cheapest-first. Every figure links to the vendor's own page and the date we captured it; quote-only tiers show “—”, never a guess.
Key takeaways
- Cheapest: Bluevine at $0/mo (Standard).
- 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 |
|---|---|---|---|---|---|---|---|
| 1 | Bluevine | $0/mo Standard | Yes | — | — | Small businesses seeking high-yield checking | bluevine.com |
| 2 | Brex | $0/mo Essentials | Yes | — | Yes | VC-backed startups seeking to extend runway with yield | brex.com |
| 3 | Found | $0/mo Found | Yes | — | Yes | Freelancers and independent contractors | found.com |
| 4 | Lili | $0/mo Lili Core | Yes | — | — | Freelancers and solopreneurs | lili.co |
| 5 | Mercury | $0/mo Mercury | Yes | — | Yes | Tech startups and VC-backed companies | mercury.com |
| 6 | Novo | $0/mo Novo Business Checking | Yes | — | — | Freelancers and independent contractors | novo.co |
| 7 | Relay | $0/mo Starter | Yes | — | — | Small businesses using Profit First cash management methodology | relayfi.com |
| 8 | Rho | $0/mo Rho Business Banking | Yes | — | — | Startups and early-stage companies needing no-subscription banking | rho.co |
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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Frequently asked questions
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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How we compiled this
Pricing fetched from each vendor's official pricing page via WebFetch. Lili's lili.app domain returned JS-only/empty pages on every attempt; lili.co/plans returned full content and is treated as the primary source, corroborated by financebuzz.com and startupsavant.com. Novo has no public paid tiers; confirmed free-only via official site and two independent review sources. Relay Scale plan is currently discounted to $90/mo from the regular $120/mo; the regular published price is recorded as the plan price with a note about the active promotion. Bluevine fee waivers are possible but the published rack rate is recorded. Brex is priced per user/seat for the Premium tier. Rho publishes $0 subscription fees with transaction-based charges only. All accessedAt dates set to 2026-06-14 per dataset specification.
Last verified 2026-06-15. We re-check published prices and compliance on a recurring cadence and update this page when they change.
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