If you’re looking for a low-cost online business bank account with a high-quality mobile app, mobile deposit capabilities, and seamless integration with Stripe and PayPal, here are some of the best options:
1. Novo – Best for Small Businesses & Entrepreneurs
- Fees: No monthly fees, no minimum balance requirements
- Integrations: Works with Stripe, PayPal, Shopify, QuickBooks, and more
- Mobile App: Supports mobile check deposits, instant transfers, and expense tracking
- Perks: Refunds all ATM fees and offers business discounts (e.g., Google Cloud, HubSpot)
✅ Best for: Freelancers and small businesses looking for easy integrations and fee-free banking.
2. Mercury – Best for Startups & Tech Businesses
- Fees: No monthly fees, no minimum balance
- Integrations: Works seamlessly with Stripe, PayPal, Amazon, Shopify
- Mobile App: Offers a modern interface with mobile deposits
- Perks: Virtual debit cards, multi-user access, and accounting tool support (QuickBooks, Xero)
✅ Best for: Startups and businesses that want a sleek, tech-friendly banking experience.
3. Bluevine – Best for Earning Interest on Deposits
- Fees: No monthly fees, no minimum balance
- Integrations: Works with PayPal, Stripe, and accounting platforms
- Mobile App: Supports mobile check deposits and expense categorization
- Perks: Earns 2.0% APY on balances and offers sub-accounts for better fund management
✅ Best for: Small businesses that want to earn interest on their balances.
4. Found – Best for Freelancers & Solopreneurs
- Fees: No monthly fees, no minimum deposit
- Integrations: Direct connection with Stripe, PayPal, Etsy, and more
- Mobile App: Offers mobile check deposits, real-time expense tracking, and automatic tax savings
- Perks: Built-in invoicing, bookkeeping, and tax-planning tools
✅ Best for: Freelancers and solo entrepreneurs who want banking and bookkeeping in one place.
5. Lili – Best for Tax-Saving Tools
- Fees: No monthly fees, no minimum balance
- Integrations: Works with Stripe, PayPal, and major online platforms
- Mobile App: Features mobile check deposits and real-time expense tracking
- Perks: Tax-saving features, early paycheck access, and fee-free overdrafts
✅ Best for: Self-employed professionals who want built-in tax and financial management tools.
Final Thoughts
Each of these business bank accounts supports online-only banking, mobile deposits, and smooth integrations with Stripe & PayPal. Your choice depends on your specific needs:
- 💰 Want to earn interest? → Bluevine
- 🚀 Need a tech-friendly startup bank? → Mercury
- 📝 Need built-in invoicing & bookkeeping? → Found
- 📉 Want tax-saving tools? → Lili
- 🔄 Looking for easy integrations & refunds on ATM fees? → Novo
We recommend checking their websites for the latest fees and features before signing up.🚀
