Top 7 Banks for Startups in the US .Starting a business is exciting — but choosing the right bank can make or break your startup’s financial health. In this 2025 guide, we review the 7 best banks for startups in the US, covering everything from fees and features to ease of integration with your business tools.
🏆 1. Mercury Bank – Best Overall for Tech Startups
- No monthly fees
- Built for startups
- Integrates with Stripe, QuickBooks, etc.
- Virtual cards + international wire support
- Backed by FDIC via partner banks
✅ Ideal for founders launching remotely or managing funds digitally.
💼 2. Brex – Best for Venture-Backed Startups
- Corporate cards with no personal guarantee
- Expense management tools
- Rewards and discounts (AWS, Notion, etc.)
- FDIC-insured accounts via partner banks
✅ Great if you’re a fast-scaling startup with outside funding.
🏦 3. Bluevine – Best for High-Yield Business Checking
- 2.00% APY on balances up to $250,000
- No monthly fees or overdraft charges
- Mobile-friendly dashboard
- Fast approval for LLCs and freelancers
✅ Perfect for startups that want to grow cash flow safely.
💳 4. Relay – Best for Multi-User Control & Budgeting
- Multiple checking accounts
- User permissions (ideal for co-founders or employees)
- Works well with QuickBooks/Xero
- No monthly fees
✅ Perfect for early-stage businesses managing multiple team roles or departments.
🌐 5. Novo – Best for Online Entrepreneurs
- Simple online account setup
- Connects with PayPal, Shopify, Stripe
- Free ACH transfers, mailed checks, and incoming wires
- No hidden fees
✅ A favorite for eCommerce, service-based, and digital nomad startups.
📈 6. Found – Best for Solopreneurs & Freelancers
- Combines banking + bookkeeping
- Automatically tracks expenses
- Generates tax estimates
- No monthly fees
✅ Tailored to solo LLCs, coaches, consultants, and gig workers.
🇺🇸 7. Chase Business Complete Banking – Best Traditional Bank Option
- Nationwide access to ATMs/branches
- Built-in integrations (Zelle, Bill Pay)
- Welcome bonus up to $300 (limited-time)
- $15/month waived with $2,000 balance
✅ Great if you want a mix of digital and in-person banking.
🔍 What to Consider When Choosing a Startup Bank:
- Fees & Minimum Balance Requirements
- Online vs. Physical Presence
- Integrations with Tools (e.g., QuickBooks, Stripe)
- Wire Transfer Support
- Startup-Friendly Features (cards, permissions, etc.)
🚀 Final Thoughts
Choosing the right bank is as important as forming your LLC. At LegalFlow, we help founders every step of the way — from starting your business to opening the right bank account that supports your vision.
➡️ Ready to launch your startup? Visit us at LegalFlow. for free guides, tools, and LLC formation support.