Business with a sign-up bonus

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 CheckingCompare Relay Business CheckingCompare

What matters for you

• Sign-up bonus
• Bonus terms
• Eligibility

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 CheckingCompare Bluevine Business CheckingCompare
• 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 BankingCompare Chase Business Complete BankingCompare
• 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 CheckingCompare Wells Fargo Initiate Business CheckingCompare

How to choose

• Read who qualifies. Many offers exclude existing customers.
• Check the deadline and the exact activity that unlocks the bonus.
• Confirm the bonus is still offered on the provider's site the day you apply.