Updated October 17, 2026 · VaultCue Editorial Team

Top business bank accounts compared in the United States

96 accounts available in the United States, ranked for the United States.

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Top business bank accounts compared in the United States
OrderAccountScoreFeaturesKey factsActions
1
Airwallex logo
AirwallexTop pickPartner

Limited offer - business rewards with Airwallex AI: Up to HK$68,888

8.6/10
    Monthly fee:
    HK$2,499
    Deposit protection:
    FSCS up to GBP 85,000
    Currencies:
    from 20
    ReviewCompareVisit
    2
    Novo logo
    NovoPartner

    Novo cashback on eligible purchases: 1% cashback with a Novo checking account balance under $5,000; 2% with a balance of $5,000 or more

    9.2/10
    • No monthly fee
    • Free ATM
    Monthly fee:
    $0
    Deposit protection:
    FDIC up to USD 250,000
    Local account details:
    Us-ACH
    ReviewCompareVisit
    3
    Papaya Global logo
    Papaya GlobalPartner
    9.0/10
    • No monthly fee
    • Low FX
    Monthly fee:
    $0
    Licence type:
    E money
    Deposit protection:
    FSCS up to GBP 85,000
    ReviewCompareVisit
    4
    Revolut AU logo
    Revolut AUPartner
    9.1/10
    • Travelers
    • No monthly fee
    • Low FX
    • Free ATM
    • Joint account
    Monthly fee:
    £0
    Licence type:
    E money
    Deposit protection:
    FSCS up to GBP 85,000
    ReviewCompareVisit
    5
    NCB Jamaica logo
    NCB JamaicaPartner
    9.7/10
    • Expats
    • No monthly fee
    • Free ATM
    • Joint account
    Monthly fee:
    JMD 0
    Currencies:
    4
    Free ATM withdrawals:
    JMD 4
    ReviewCompareSee alternatives
    6
    Xe logo
    XePartner
    9.6/10
    • Travelers
    • No monthly fee
    • Low FX
    Monthly fee:
    $0
    Deposit protection:
    FDIC up to USD 250,000
    Currencies:
    130
    ReviewCompareSee alternatives
    7
    Navy Federal Credit Union logo
    Navy Federal Credit UnionPartner

    Carry on with a $100 annual flight credit

    9.5/10
    • No monthly fee
    • Free ATM
    Monthly fee:
    $0
    Deposit protection:
    FDIC up to USD 250,000
    Free ATM withdrawals:
    $0
    ReviewCompareSee alternatives
    8
    Paysera Kosova logo
    Paysera KosovaPartner
    9.4/10
    • No monthly fee
    Monthly fee:
    €0
    Currencies:
    20
    Local account details:
    IBAN
    ReviewCompareSee alternatives
    9
    Statrys logo
    StatrysPartner

    Your account pays you back: HKD 188 per month

    9.4/10
    • No monthly fee
    • Low FX
    Monthly fee:
    HK$0
    Currency conversion fee:
    0.1% to 0.15%
    Currencies:
    11
    ReviewCompareSee alternatives
    10
    Finom DE logo
    Finom DEPartner

    German site of Finom, a business account and payments solution for freelancers and small businesses.

    9.4/10
      Monthly fee:
      €0
      Currencies:
      17
      Local account details:
      IBAN
      ReviewCompareSee alternatives

      Licensed in the United States

      Novo
      FDIC
      Xe
      New York State Department of Financial Services
      Xe
      Massachusetts Division of Banks
      Xe
      Financial Crimes Enforcement Network (FinCEN)
      Navy Federal Credit Union
      National Credit Union Administration (NCUA)
      Navy Federal Credit Union
      NMLS
      Relay
      FDIC
      EverBank
      FDIC
      Grasshopper Bank
      Federal Deposit Insurance Corporation (FDIC)
      Grasshopper Bank
      FDIC
      Meow
      U.S. Securities and Exchange Commission (registered investment adviser)
      T-Bank
      Federal Deposit Insurance Corporation (FDIC)
      T-Bank
      Office of the Comptroller of the Currency (OCC)
      Liberty Bank
      FDIC
      Liberty Bank
      NMLS
      Payoneer
      FinCEN
      New Horizon Bank prepaid Visa/Mastercard
      Federal Deposit Insurance Corporation (FDIC)
      New Horizon Bank prepaid Visa/Mastercard
      FDIC
      New Millennium Bank
      FDIC
      New Millennium Bank
      NMLS (National Mortgage Licensing System)

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      Other countries

      Airwallex

      Airwallex

      Top pick for the United States

      8.6/10Visit