Skip to content
New Bank Account home

Business

Ecommerce and online sellers

Online sellers often want payouts from Stripe, Shopify, or PayPal, plus more than one balance for taxes or operating costs. Confirm each connection on the provider's site. We do not mark an integration as available until we see it there.

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

  • Stripe and Shopify
  • PayPal
  • Sub-accounts

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 Interest on business checking

    Bluevine Business Checking

    Bluevine

    Fintech (banking by Coastal Community Bank, Member FDIC)

    Monthly fee
    $0Standard plan. Plus is $30 a month and Premier is $95 a month. Bluevine says those paid-plan fees can be waived.as of Oct 30, 2026 source
    APY
    1.3%Standard plan, on balances up to $250,000, if you spend $500 on the debit card or receive $2,500 in customer payments that month. Plus is 1.75% up to $250,000. Premier is 3.0% on all balances.as of Oct 30, 2026 source
    Sign-up bonus
    Noneas of Oct 30, 2026 source
    Min. deposit
    $0as of Oct 30, 2026 source
    • No monthly fee on Standard
    • Up to 3.0% APY on Premier
    • FDIC coverage up to $3 million
    Open account for Bluevine Business Checking, opens in a new tabRead review of Bluevine Business Checking
  • Best for Startups that want free wires

    Mercury Business Checking

    Mercury

    Fintech (banking by Choice Financial Group and Column N.A., Members FDIC)

    Monthly fee
    $0Base Mercury plan. No minimum balance. Mercury Plus is $29.90 a month. Paid workflow plans start at $35 a month.as of Oct 30, 2026 source
    APY
    0.00%Checking APY in the Column N.A. agreement. Savings APY there is also 0.00%. Treasury can pay up to 4.09% and is an investment, not this checking account. It requires a $250,000 Mercury balance.as of Oct 30, 2026 source
    Sign-up bonus
    Noneas of Oct 30, 2026 source
    Min. deposit
    $0as of Oct 30, 2026 source
    • No monthly fee
    • Free ACH and domestic wires
    • No minimum balance
    Open account for Mercury Business Checking, opens in a new tabRead review of Mercury Business Checking

How to choose

  • List the payout tools you use and ask the provider which ones it supports.
  • Ask whether you can split money into sub-accounts without a second application.
  • Check payout timing and any fee to receive a platform payout.

Related guides