10 Best Business Bank Accounts That Integrate With QuickBooks

For a small business that uses QuickBooks as primary accounting software, it is critical to have a business checking provider that offers seamless integration with QuickBooks. Since many traditional and online-only banks integrate easily with the platform, the challenge is to find a bank with products and services that best meet a company’s needs.

After reviewing over 100 banks, here are the 10 best business bank accounts that integrate with QuickBooks, with links directly to the provider:

• U.S. Bank Member Federal Deposit Insurance Corp. (FDIC) : Best overall for businesses with low transaction volumes
• Mercury Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group and Evolve Bank & Trust ®️; Members FDIC. Deposit insurance covers the failure of an insured bank. : Best for tech companies, startups, and businesses needing additional FDIC insurance Mercury is a fintech company, not an FDIC-insured bank. Deposits in checking and savings accounts are held by our banking services partners, Choice Financial Group and Evolve Bank & Trust ®; Members FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through insurance to apply.
• Novo Provider is a fintech platform backed by and FDIC-insured through a supporting bank partnership with Middlesex Federal Savings. : Best digital-only provider for rapid access to funds and faster payments
• Chase Member Federal Deposit Insurance Corp. (FDIC) : Best for full-service small business banking with nationwide locations
• Bluevine Provider is a fintech platform backed by and FDIC-insured through a supporting bank partnership with Coastal Community Bank. : Best for earning interest on deposits and international payments
• Found Provider is a fintech platform backed by and FDIC-insured through a supporting bank partnership with Middlesex Federal Savings. : Best digital-only provider for self-employed professionals
• Relay Provider is a fintech platform backed by and FDIC-insured through a supporting bank partnership with Thread Bank. : Best for businesses needing multiple accounts and debit cards
• Grasshopper Member FDIC : Best digital-only bank for integrated free payment software
• Bank of America Member FDIC : Best for ongoing rewards
• Live Oak Bank Member FDIC : Best high-yield savings account

Best Business Bank Accounts That Integrate With QuickBooks at a Glance

U.S. Bank: Best Overall for Businesses With Low Transaction Volumes

When to Choose U.S. Bank

• Your company uses QuickBooks and seeks a fee-free checking account from a brick-and-mortar bank: U.S. Bank is our choice for the best business bank account that integrates with QuickBooks. Its Silver Business Checking is one of the few traditional bank accounts with no monthly fee. You get 125 free transactions and $2,500 in cash deposits monthly. Businesses with lower transaction volumes will find it an excellent choice.
• You seek various payment solutions and business services: The bank offers integration with its own payment processing service. You can also link your account to the most popular third-party payment software, including Zelle. In addition, the company offers business support through multiple financing options, cash flow products, and point-of-sale (POS) services.
• You want to receive a welcome bonus: U.S. Bank lets you earn up to a $900 bonus when you open a new, eligible U.S. Bank business checking account online (promo code: Q4AFL24) and complete qualifying activities, subject to certain terms and limitations—offer valid through January 15, 2025. Member FDIC.

Mercury: Best for Tech Companies, Startups & Businesses Needing Additional FDIC Insurance

When to Choose Mercury

• You want higher FDIC insurance Mercury is a fintech company, not an FDIC-insured bank. Deposits in checking and savings accounts are held by our banking services partners, Choice Financial Group and Evolve Bank & Trust ®; Members FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through insurance to apply. protection: The biggest perk of Mercury is its Vault product. Mercury will use its partner banks’ (Evolve & Trust and Choice Financial Group) sweep network to insure your business funds up to $5 million.
• You’re a tech company or startup looking for a fee-free bank account with QuickBooks integration: Mercury offers free checking and savings accounts that integrate with QuickBooks. It has no minimum deposit or balance requirements, and most businesses incorporated in the US—except sole proprietorships and trusts—are eligible for a Mercury account.
• You seek startup programs and services to network with investors: New tech firms seeking an opportunity to meet investors and pitch their startups can apply for the Mercury Raise program. They can participate in events, find mentors, and access potential funding sources. Mercury also provides an investor database on its website, where you can find a list of seed and pre-seed investors for different industries.

Novo: Best Digital-only Provider for Rapid Access to Funds & Faster Payments

When to Choose Novo

• You seek business services that speed up fund access and payments: Novo Boost and Express ACH allow you to send and receive payments quickly. If you accept payments from Stripe, Novo Boost lets you receive them faster than other providers. Users can connect Stripe, Square, or PayPal and get paid via card, Apple Pay, Google Pay, PayPal, or Venmo. Meanwhile, Express ACH enables you to accept or send same-day ACH payments.
• You want outstanding accounting and ecommerce app integrations: Novo is another great choice for a free business account with QuickBooks integration. It’s also compatible with Xero, Shopify, Square, Amazon, eBay, and Etsy.
• You want to save on fees, including ATM withdrawals: Novo has no monthly fee, transaction limits, minimum opening deposit, or minimum balance requirement. It also refunds domestic and international ATM fees up to $7 monthly.

Chase: Best for Full-service Small Business Banking With Nationwide Locations

When to Choose Chase

• You want an established, nationwide bank offering full-service banking products and services: Chase has excellent full-service business banking solutions and a nationwide branch presence. It offers three types of business checking accounts and has savings products, credit cards, lines of credit, POS systems, and collection services.
• You want a QuickBooks-integrated business bank account with multiple payment solutions: Chase is a great choice for the best QuickBooks-integrated business bank account. It has a wide range of deposit and payment acceptance options, which include Zelle, online bill pay, wire transfers, and ACH payments. Its built-in QuickAccept^SM feature allows you to get paid faster with same-day deposits. Chase also links with other popular payment software in addition to industry-specific companies. See the full list on Chase’s website.
• You want cash back earnings: You can earn a cash back bonus by opening an eligible account and completing qualifying activities. Visit Chase’s website or check out our best business bank account promotions buyer’s guide for details.

Bluevine: Best for Earning Interest on Deposits & International Payments

When to Choose Bluevine

• You seek interest-bearing business checking accounts: Bluevine, which tops our list of the leading online business banks, is a great option for a QuickBooks-integrated bank account. It offers three business checking plans that earn interest: Standard, Plus, and Premier—and Standard earns 2.0% on qualifying balances up to $250,000. You can upgrade to premium plans for higher APY. Check out our Bluevine business checking review for more details.
• You need to pay international-based business partners or employees: You can send payments internationally to 32 countries in up to 15 currencies. Those payments can be received in as little as 24 hours.
• You want free business payment solutions: Bluevine is compatible with Wise, Venmo, Cash App, and Expensify.

Found: Best Digital-only Provider for Self-employed Professionals

When to Choose Found

• You use, or plan to use, QuickBooks Solopreneur: Found’s business checking account is a great choice for self-employed professionals who utilize this specific QuickBooks product. Learn more about it through our QuickBooks Solopreneur review. Additionally, Found provides an all-in-one product that allows you to use bookkeeping directly into the app. It lets you categorize expenses, capture receipts, and set custom rules.
• You’re looking for free invoicing: Found offers unlimited and customizable invoicing at no cost. You can also accept invoice payments through popular apps like Cash App, PayPal, Square, Venmo, and eBay.
• You want tax tracking and preparation software support: With Found, self-employed professionals can complete and send their Schedule C forms directly from the app. If you wish to pay the tax bill directly, you can subscribe to Found Plus for $14.99 monthly. The paid plan also provides 1.5% APY earnings on balances up to $20,000 in your checking account.

Relay: Best for Businesses Needing Multiple Accounts & Debit Cards

When to Choose Relay

• You have a large team and want to track expenses in detail: Small businesses with complex finances and large teams benefit from the scalable nature of QuickBooks and Relay’s business checking features. It provides users with up to 20 checking accounts, allowing you to separate reserves for different expenses. You can also get up to 50 Visa debit cards, which can help maintain spending controls across your team.
• You want to save on cash deposit fees: Many fintech companies don’t offer a fee-free option for depositing cash. Meanwhile, Relay lets you deposit cash into your Relay business checking account at over 55,000 Allpoint ATMs nationwide. You are limited to $1,000 per transaction and $2,000 per day, but this is still a considerable advantage over other fintechs on this list. Alternatively, you can deposit cash at 90,000-plus Green Dot locations for up to $4.95 per deposit.
• You send wire transfers often: Under the Relay business checking account, the most you will pay for wire transfers is $10. If you upgrade to Relay Pro ($30 monthly), they are entirely free. Neither checking product has transaction limits or minimum balance requirements.

Grasshopper: Best Digital-only Bank for Integrated Free Payment Software

When to Choose Grasshopper

• You seek QuickBooks and Autobooks integrations: With your Grasshopper business checking account, you can seamlessly connect to QuickBooks accounting software and Autobooks invoice and payment software. Autobooks comes free with your account and is normally priced at $9.99 monthly. Grasshopper’s website provides connection instructions for both companies. Additionally, it integrates with Plaid, which links users to third-party financial apps.
• You prefer an interest-earning business checking product: No monthly fees or minimum balances are required for Grasshopper checking accounts, and you can earn up to 2.00% APY. Balances less than $25,000 and greater than $250,000 still earn a solid 1.00% APY. While there is no minimum or cap on balances that earn APY, customers must maintain a minimum average balance of $10,000 with no nonsufficient funds (NSF) items during the preceding 12 calendar months.
• You want cash back earnings from using your debit card: If you constantly make many business purchases through your debit card, you can take advantage of the 1% unlimited cash back earnings provided by Grasshopper for qualified debit card spending.

Bank of America: Best for Ongoing Rewards

When to Choose Bank of America

• You want to benefit from excellent ongoing rewards: Bank of America integrates with QuickBooks and offers one of the best small business checking accounts. Its entry-level account has a waivable $16 monthly fee. You also get up to $200 cash back rewards with its business checking accounts and $300 statement credits with its credit card products. Additionally, Preferred Rewards for Business program members can earn 25% to 75% bonus rewards on credit cards and gain a 5% to 20% interest rate boost from their savings accounts.
• You want more integrations and business support services: Aside from its integration with QuickBooks, Bank of America business checking accounts connect with Zelle. You can get HR and payroll services through ADP and manage your company expenses through Expensify.
• You want access to a full suite of business banking products: Bank of America offers a wide range of additional business products, including savings, CDs, lending products, and financial analysis through Merrill Financial Advisors.

Live Oak Bank: Best High Yield Savings Account

When to Choose Live Oak Bank

• You’re looking for a business savings account with high interest: Another provider offering one of the best QuickBooks-integrated business bank accounts is the fully digital Live Oak Bank. It gives an APY of 3.90% for business savings accounts and has no required opening deposit, maintaining balance, or monthly fee. You will only need a one-cent balance to start earning interest. Live Oak Bank is at the top of our list of the best business savings accounts for its considerably high APY.
• You want to apply for other business banking products with the same provider: Live Oak offers CDs, checking accounts, SBA loans, and United States Department of Agriculture (USDA) loans.
• You seek maximum FDIC insurance protection for your business funds: Companies with at least a $350,000 balance can participate in the bank’s insured cash sweep program to access an FDIC insurance coverage of up to $10 million.

How We Evaluated the Best Business Bank Account That Integrates With QuickBooks

In compiling this buyer’s guide, we reviewed over 100 banks and their primary business checking accounts. When we evaluated the best business bank account that integrates with QuickBooks, we considered:

• Accounts that have QuickBooks integration
• Opening deposit and minimum balance requirements
• Transaction limits before fees
• ACH and wire transfer fees
• ATM fees and availability
• Other software integrations apart from QuickBooks
• Cash deposit fees and availability
• Interest yield, if applicable
• Other checking account perks
• Other business services provided
• Lending products provided
• Customer service

What You Need to Open a Business Bank Account

Though each provider above may require different documents to open a business bank account, here is a general list of what you will need:

• Employer identification number (EIN) or Social Security number (SSN) if you’re a sole proprietor
• Fictitious business name certificate or doing-business-as (DBA) certificate
• Business formation documents
• Organization documents, including your ownership agreements
• Business licenses
• Government-issued photo ID, such as a passport or driver’s license

Frequently Asked Questions (FAQs)

Which banks connect with QuickBooks?

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Should I link my bank account with QuickBooks?

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Is it safe to connect a bank account to QuickBooks?

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Does QuickBooks automatically import bank transactions?

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Can you link two bank accounts with QuickBooks?

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How many bank accounts can you connect with QuickBooks?

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Bottom Line

Businesses relying on QuickBooks to handle their accounting needs can choose from any of the providers listed in our guide—all of them offer the best QuickBooks-integrated bank account. Select the provider whose products and services best fit your company’s needs.

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Reference:

^[1]The QuickBooks Online Bank Connection Status Page