Advertiser and Editorial Disclosures
Your Guide to the Best Business Checking Accounts of February 2026
Open a Business Checking Account to help manage your business finances.
Business Checking Accounts
Account Type:
Business Checking Accounts
23,750 visitors
selected an account with MyBankTracker this week.
Helpful Insights
How to Choose a Business Checking Account
Mar 18, 2024
5 Signs You Need to Open a Business Checking Account
Apr 01, 2024
Frequently Asked Questions
Do I need a business checking account, or can I use my personal account?
While sole proprietors can technically use personal accounts, opening a business checking account is strongly recommended. It protects your personal assets by maintaining legal separation between you and your business, simplifies tax filing and bookkeeping, and is required if you've formed an LLC or corporation. Most banks also prohibit using personal accounts for business purposes in their terms of service.
What documents do I need to open a business checking account?
Typically you’ll need your Employer Identification Number (EIN) or Social Security Number for sole proprietors, government-issued photo ID for all owners, business formation documents like Articles of Incorporation or your DBA certificate, business license if applicable, and ownership agreements or corporate bylaws. Requirements vary by bank, so check to confirm.
What fees should I expect with a business checking account?
Common fees include monthly maintenance fees, transaction fees beyond included limits, cash deposit fees for large volumes, wire transfers, overdrafts, and minimum balance fees. Many banks waive monthly fees if you maintain a minimum balance or meet other criteria.
Do business checking accounts come with debit cards?
Yes, most include debit cards for owners and authorized users. Some accounts offer multiple cards for employees with customizable spending limits.
Can I integrate my business checking account with accounting software?
Most accounts integrate with platforms like QuickBooks or FreshBooks for automatic transaction syncing and easier bookkeeping. Confirm compatibility with your bank.
TOP
© 2026 MyBankTracker
