Best Business Bank Accounts for Small Businesses in 2026 (9 Options Compared)

Описание: We compared nine business banking options for small business owners in 2026 — Found, Bluevine, Novo, Relay, Mercury, Lili, Chase, Bank of America, and American Express Business Checking — across pricing, APY, bookkeeping and tax tools, contractor payments and 1099 e-filing, invoicing, and branch access.

Full written guide (re-verified monthly): https://found.com/resources/business-...

This video contains advertisement of Found and third party products and services.

Rates and pricing verified August 6, 2026, are variable, and subject to change — always confirm current details with each provider.

Chapters:
0:00 The quick answer — all 9 picks
1:42 How we compared them
2:19 1. Found
4:13 2. Bluevine
4:58 3. Novo
5:37 4. Relay
6:17 5. Mercury
7:00 6. Lili
7:46 7. Chase
8:21 8. Bank of America
8:58 9. Amex Business Checking
9:34 Side-by-side comparison
10:51 How to choose
11:57 Recap + disclosures

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Disclosures:

¹ Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. FDIC insurance only covers the failure of an FDIC-insured depository institution.

² The Found Mastercard Business debit card is issued by Lead Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.

³ Found's core features are free. Found also offers two optional paid products, Found Plus for $35/month or $315/year and Found Pro for $80/month or $720/year. Discount rates may apply.

⁴ Optional subscriptions to Found Plus for $35/month or $315/year or Found Pro for $80/month or $720/year. Discount rates may apply. There are no monthly account maintenance fees, but other fees such as transactional fees for wires, instant transfers, and ATM apply. Read Found Fee Schedule at found.com/legal/fee-schedule-lead.

⁵ Subject to eligibility requirements, applicable terms and conditions, and service fees. See Terms of Service and Lead Account Terms for more details.

¹⁰ Tax payments are available for Found Plus subscribers (for $35/month or $315/year) and Found Pro subscribers (for $80/month or $720/year) who file a Schedule C.

¹² Payments can be sent for free between Found users or by bank transfer via text, email, or direct deposit. Domestic wire transfers are available for a fee. Read Found Fee Schedule.

¹⁴ Found Plus subscribers (for $35/month or $315/year) earn 1.50% Annual Percentage Yield (APY) on balances up to $20,000. Found Pro subscribers (for $80/month or $720/year) earn 2.50% APY on all balances, with no cap. APY is variable and subject to change.

¹⁵ Priority customer support is available to Found Plus (for $35/month or $315/year) and Found Pro subscribers (for $80/month or $720/year). A dedicated account manager is available to Found Pro subscribers only.

¹⁶ Customers who have signed up for an account after November 1, 2025 will earn a bonus equal to 2.00% Annual Percentage Yield (APY) on the portion of their account balance up to $20,000 for a given month only if they spend $5,000 in qualifying debit card transactions during the month and satisfy other eligibility requirements as described in the Card Spend Bonus Terms. No bonus will be earned on the portion of account balances over $20,000.

¹⁷ Cash Back Terms and Conditions apply.

¹⁹ The metal card is an exclusive Found Pro benefit and is limited to one card per account. Users become eligible to order a metal card after completing the 30-day free trial and successfully being billed for a subscription of $80/month or $720/year.

²⁰ Found offers paid subscription Found Plus for $35/month or $315/year. Found Plus subscribers earn 1.50% Annual Percentage Yield (APY) on balances up to $20,000. APY is variable and subject to change.

²¹ Found offers paid subscription Found Pro for $80/month or $720/year. Found Pro subscribers earn 2.50% Annual Percentage Yield (APY) on all balances, with no cap. APY is variable and subject to change.

Third-party provider disclosures appear in the video with each provider and in the pinned comment.