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Business

Cash-heavy business

If customers pay in cash, you need a place to deposit it. Branch banks take cash at the teller. Online accounts sometimes use a retail network, and those networks can charge a fee. We do not show a deposit fee until we copy it from the provider.

Editor's choice

Business

Our pick when you are opening a new business account. Relay is not a bank. Thread Bank provides the banking services.

Editor's choice

Relay Business Checking

Relay Financial

Fintech (banking by Thread Bank, N.A., Member FDIC)

Monthly fee
$0Starter plan. Grow is $30 a month. Scale is listed at $90 a month, discounted from $120 for a limited time.as of Oct 30, 2026 source
APY
1.19%Savings APY on Starter, as of Sep 17, 2026. Grow savings APY is 1.87%. Scale savings APY is 3.21%. Rates are variable.as of Oct 30, 2026 source
Sign-up bonus
Noneas of Oct 30, 2026 source
Min. deposit
$0as of Oct 30, 2026 source
  • No minimum balance
  • 20 checking accounts on Starter
  • Savings APY from 1.19%
Open account for Relay Business Checking, opens in a new tabRead review of Relay Business Checking

What matters for you

  • Cash deposits
  • Branch access
  • Retail deposit network

Accounts to compare

Listed alphabetically. This is not a ranking. The editor's choice above is our recommendation for opening a new account. Fees, rates, and bonuses are copied from each provider's site and dated. How we review

  • Best for Branch access for a small business

    Chase Business Complete Banking

    JPMorgan Chase Bank, N.A.

    Bank

    Monthly fee
    $15$0 with a $2,000 minimum daily ending balance, or $2,000 in eligible Chase Payment Solutions deposits, or $2,000 in eligible Ink or Sapphire Reserve for Business purchases, or a linked qualifying personal checking account, or military banking.as of Oct 30, 2026 source
    APY
    Not listedas of Oct 30, 2026 source
    Sign-up bonus
    NoneA bonus page on Chase's site listed an offer that ended Oct 15, 2026. The checking page does not list a current bonus.as of Oct 30, 2026 source
    Min. deposit
    Not listedas of Oct 30, 2026 source
    • $15 monthly fee, or $0 if you qualify
    • Mobile card acceptance
    • 20 paper and teller transactions included
    Open account for Chase Business Complete Banking, opens in a new tabRead review of Chase Business Complete Banking
  • Best for A new business that uses branches

    Wells Fargo Initiate Business Checking

    Wells Fargo Bank, N.A.

    Bank

    Monthly fee
    $15$0 with a $2,000 minimum daily balance, a $5,000 average combined business deposit balance, or a Premier, Private Bank, or Private Bank Interest Checking account.as of Oct 30, 2026 source
    APY
    Not listedas of Oct 30, 2026 source
    Sign-up bonus
    Noneas of Oct 30, 2026 source
    Min. deposit
    $25as of Oct 30, 2026 source
    • $15 monthly fee, or $0 if you qualify
    • $25 to open
    • First $5,000 of cash deposits has no processing fee
    Open account for Wells Fargo Initiate Business Checking, opens in a new tabRead review of Wells Fargo Initiate Business Checking

How to choose

  • List where you can deposit cash: a branch, an ATM, or a retail store.
  • Ask about the free allowance per statement cycle and the fee after that.
  • Check the daily limit. A busy Saturday can exceed a low cap.

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