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High-yield business checking

Some business checking accounts pay interest, and some move extra cash into a sweep. The APY on each card is copied from the provider, with the conditions and the date we checked.

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

  • Interest on balances
  • Sweep accounts
  • APY conditions

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 A new business that wants no monthly fee

    Axos Bank Business Checking

    Axos Bank

    Bank

    Monthly fee
    $0Basic Business Checking. No monthly maintenance fee and no minimum balance. Business Interest Checking is a separate account with a $10 monthly fee, waived at a $5,000 average daily balance.as of Oct 30, 2026 source
    APY
    Not listedBasic Business Checking does not publish an APY. Business Interest Checking lists 1.01% APY on balances under $50,000.as of Oct 30, 2026 source
    Sign-up bonus
    Up to $200Open Basic Business Checking with promo code START200 by Jan 31, 2027. Keep a $3,000 average daily balance. Axos pays up to $50 a month, up to $200 total.as of Oct 30, 2026 source
    Min. deposit
    $0as of Oct 30, 2026 source
    • No monthly fee
    • No minimum to open
    • Free incoming wires
    Open account for Axos Bank Business Checking, opens in a new tabRead review of Axos Bank Business Checking

How to choose

  • Read the balance range the rate applies to, and whether activity is required.
  • Ask how a sweep works and which banks hold the swept deposits.
  • A fee can cancel out a small amount of interest. Compare both.