Best Business Checking Apps

4.8😞(20K ratings)

Free

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This app offers a digital checking account designed for modern small businesses. Apply online quickly and access free banking tools, including debit card control, bill pay, ACH transfers, and check deposits. Manage funds efficiently with features like transaction categorization and savings reserves.

What We Love

🚀 Convenient mobile banking
👍 User-friendly app interface
💡 Useful features like Profit First accounts

Room to Improve

🐛 Buggy mobile deposit feature
🔒 Lack of transparency around security issues
👎 Slow and unhelpful customer support
🤖 Overreliance on chatbots instead of live agents
💸 Unexpected account closures and fund freezes

Found: Business Banking by Indie Technologies Inc

Banking, Bookkeeping, & Taxes

Strong Contender

4.8😐(34K ratings)

Free

This app offers business checking, bookkeeping, and tax tools for small businesses. It simplifies workflows by allowing users to track expenses, save receipts, manage taxes, send invoices, and pay contractors all within the application, with no hidden fees.

What We Love

🚀 Seamless onboarding and account setup
🔒 Robust security features
👍 Intuitive and user-friendly interface
🤑 Helpful tax and expense tracking features
💳 Convenient debit card with cash back
🤝 Smooth payment processing and invoicing

Room to Improve

🐛 Occasional app crashes and freezes
🕰️ Slow response times and delayed account updates
🚫 Limited customer support options
🔍 Unclear account closure policies
💸 Unexpected fees or account restrictions

Amex Business Blueprint™ by American Express

Efficient Cash Flow Management

Worth Considering

Banking for small businesses

4.8😞(8.5K ratings)

Free

This app provides small business owners with a consolidated view of their cash flow across linked Amex and external accounts. It offers insights into money movement, expenses, and trends to aid in financial decision-making and business planning.

What We Love

🚀 Lightning-fast mobile check deposit
👍 Simple and straightforward app
💡 Convenient line of credit when needed

Room to Improve

🐛 Frequent login issues and app crashes
🔒 Lack of security features like Touch ID
💸 High interest rates and short repayment periods
🔍 Limited transaction details and account information

More Business Checking apps to explore

Lili - Business Banking

Business checking accountSmart bookkeeping toolsTax preparation features

This all-in-one platform offers business banking, smart bookkeeping, tax preparation, credit building, and invoicing for small business owners. Manage your finances, track expenses, and get paid faster, all in one place.

(6.9K)

Moniepoint Business Banking

Mobile bank account|POS|Loans

Business bank account creationAccept online and offline paymentsPOS terminal requests

This app offers comprehensive mobile banking solutions for businesses. It allows users to open business accounts, accept payments, manage expenses with dedicated cards, purchase airtime, and pay bills. Businesses can also request POS terminals and access savings plans to grow their reserves.

(15K)

Bluevine

Digital business checking accountManage cash flow and transactionsPay bills and deposit checks

This app offers a digital banking experience for businesses, allowing users to manage cash flow, pay bills, and deposit checks from their phones. It provides features like earning interest on balances, no monthly fees, and the ability to create multiple sub-accounts for budgeting.

(4.3K)

NetSpend Small Business

by NETSPEND CORPORATION

Separate business and personal expensesOrganize transactions for tax preparationAccept payments on the go

Manage your business finances on the go. Easily track income and expenses, simplify tax preparation with organized transactions, and accept payments directly through the app. Keep business and personal finances separate for better control.

(30)

Fundbox - Small Business Loans

Fast, revolving line of credit

Revolving line of creditFast access to fundsPayment history details

Access a revolving line of credit for your business with a streamlined mobile experience. Track payments, view debit details, and enjoy faster navigation. Get quick access to funds to support your business needs.

(2.4K)

Banking.* Bills. Invoices.

Relay | Business Banking

20 checking accounts for expense segregationMultiple debit/credit cards with spend policies1.5% cash back on credit card purchases

This online business banking platform offers small business owners comprehensive control over their cash flow. It provides multiple checking accounts for expense segregation, customizable debit and credit cards with spending policies, and various payment options including ACH, wires, and checks. The app also features automated money management tools and offers rewards on purchases and interest on savings.

(3.6K)

Mercury | Bank Differently

Business and personal accounts

Business bankingPersonal accountsPayment processing

This app provides business and personal banking solutions designed for entrepreneurs and ambitious individuals. It offers features like payment processing, expense management, invoicing, and high-interest savings accounts, all managed online.

Nav Business Funding Roadmap

(13K)

freemium

Business credit and funding

Consolidated credit profilesCash flow monitoringCredit building tools

This platform consolidates your business and personal credit profiles from major bureaus into a single dashboard. It helps you track credit data, monitor cash flow, and explore financing options. Users can also access tools for credit building and bookkeeping.

(22K)

Intelligent Hub

Omnissa Workspace ONE

Unified onboarding and service catalogMobile device and app managementCorporate directory search

This app provides a unified experience for employees, offering streamlined onboarding, a service catalog, and access to essential tools like people search and notifications. It enhances security, compliance, and productivity by centralizing corporate resources and communication.

💼 Business

(84K)

SkyFi Business Checking

SkyFi

Same-day, no-cost ACH transfersWire payments for fast, high-value transfersSame-day bill pay between external accounts

Manage your business finances with a digital banking solution offering free same-day ACH transfers, wire payments, and bill pay between external accounts. Experience competitive rates and reliable service for your business banking needs.

(22)

Amazon Business: B2B Shopping

Seller & Wholesale Marketplace

B2B store with wholesale pricesTrack and manage business purchasesThree-way match for package receiving

This app is a comprehensive B2B marketplace designed for businesses of all sizes. It offers wholesale prices, business-only deals, and tools to manage purchases, track spending, and streamline procurement. Separate business and personal shopping with ease.

💼 Business

(18K)

Kuda Business Banking App

Kuda Business

Open business bank accountAccept online/offline paymentsInstant settlement

Open a business bank account in minutes and accept payments online or offline. Manage inventory, send invoices, and simplify expenses with virtual POS and expense cards. This app offers a comprehensive suite of tools for Nigerian freelancers and SMEs to manage their finances and operations.

(986)

Community - Business Deposit

by Cedar Rapids Bank and Trust Company

by Hickory Point Bank & Trust

Banking for entrepreneurs

Physical and virtual team cardsUnlimited domestic and international transfersMulti-business account management

This app provides comprehensive banking services for businesses, offering physical and virtual cards, unlimited transfers, and seamless integration with accounting software. Manage multiple business accounts from a single, intuitive interface.

(270)

ZiFi®: Small Business Banking

The Bank That Pays

Premium interest on savingsAt-cost merchant payment processingFee-free digital banking

This digital banking platform helps small businesses save and earn more. It offers premium interest rates on savings, at-cost payment processing, and dedicated business bankers. Manage your finances with fee-free digital banking and a business debit card.

(3)