Our Mission
Best Online Banks For Small Businesses researches, ranks, and reviews online banks built for business checking, savings, and cash management. It compares concrete factors such as monthly fees, minimum balance requirements, transaction limits, APY, ATM access, cash deposit options, wire and ACH pricing, and software integrations like QuickBooks and payroll tools. Each review calls out who a bank tends to fit best, for example a solo freelancer who needs low fees and fast transfers versus a retailer who needs frequent cash deposits. Trade-offs are stated plainly: some accounts pay higher APY but limit cash deposits, others offer wide ATM networks but charge for wires or have slower support. Rankings are updated quarterly to reflect pricing changes, new features, and policy updates. The methodology favors transparent terms and repeatable comparisons, using published fee schedules and hands-on account feature checks where possible. Readers can scan the rankings for a shortlist, then use the full reviews to match account rules to their own transaction patterns. The goal is to save time and reduce surprises by showing the fine print before a business applies.
Unbiased
We maintain strict editorial independence. No provider can pay to influence their ranking.
Tested
Every provider is mystery shopped to verify their customer service claims.
Verified
We check licenses, insurance, and legal standing so you don't have to.
The Ranking Factors
Verified Reviews
Credentials Check
Mystery Shopping
Pricing Transparency
Eligibility Criteria
Local Reach
National or international reach
Experience
A minimum of five years experience in online banking
Impact
A minimum of 1,000 small business clients