Best Business Banking for Freelancers 2026

by Anonymous

Freelancers need dedicated business accounts to separate personal and business finances for tax purposes. The best accounts offer no minimum balance, no monthly fees, and integration with invoicing and accounting tools. Online-only banks provide the best rates, while traditional banks offer branch access for cash deposits. Consider whether you need check deposits, international transfers, or sub-accounts.

Relay

$0
monthly fee
1.00–3.00%
apy on balance
Up to 20
sub-accounts
QuickBooks, Xero, Gusto
invoicing integration
Mobile deposit
check deposit
Yes, Visa debit
physical card

Novo

$0
monthly fee
0%
apy on balance
Reserves feature
sub-accounts
QuickBooks, Stripe, Shopify
invoicing integration
Mobile deposit
check deposit
Yes, Mastercard debit
physical card

Bluevine

$0
monthly fee
2.0% up to $250K
apy on balance
No
sub-accounts
QuickBooks, Xero
invoicing integration
Mobile deposit
check deposit
Yes, Mastercard debit
physical card

Mercury

$0
monthly fee
Up to 4.00%
apy on balance
Unlimited
sub-accounts
QuickBooks, Xero, Gusto
invoicing integration
Mobile deposit
check deposit
Yes, Visa debit
physical card

Like this comparison? Make it your own.

Sign up to use as template