In 2025, digital banking has revolutionized the way businesses manage their finances. Gone are the days when small businesses and startups had to rely solely on traditional banks for their financial operations. Today, online business bank accounts offer faster, more efficient, and cost-effective solutions to streamline business operations and keep finances in check.

If you’re a business owner, entrepreneur, or startup founder, you’re likely seeking ways to optimize your financial management. Online business banking solutions provide real-time access to your financial data, intuitive tools for tracking expenses, and a wide range of additional features. This article will guide you through some of the top online business bank accounts for 2025, helping you choose the right one to meet your needs.

1. Brex Business Account

Brex has emerged as one of the leading players in online business banking, especially for startups and small businesses. This fintech company offers a modern business account designed to meet the needs of today’s fast-paced business environment. One of the standout features of Brex is its ability to offer high-limit credit cards without requiring a personal guarantee, making it ideal for businesses that need cash flow flexibility.

Key Features:

• No monthly fees or minimum balance requirements

• High credit limits without a personal guarantee

• Integrated expense management tools

• Reward programs tailored to business spending

• Easy integration with accounting software like QuickBooks and Xero

Brex is ideal for tech-savvy businesses looking for a simple, yet powerful, banking solution. It also provides seamless integrations with various third-party apps, ensuring your business processes are more streamlined.

2. Novo Business Account

Novo is a user-friendly digital banking platform that caters to entrepreneurs and small businesses. It offers a no-fee business checking account with a sleek, easy-to-navigate app, making it a popular choice for businesses that value simplicity and efficiency.

Key Features:

• No monthly fees, no minimum balance

• Free ACH transfers and incoming wire transfers

• Easy-to-use mobile app for account management

• Free ATM access at over 24,000 locations

• Integration with accounting tools like QuickBooks and Xero

Novo offers robust features for managing cash flow and expenses without the hassle of traditional banking. Whether you’re a freelancer, startup, or small business owner, Novo helps you focus on growth without being bogged down by banking fees and complexity.

3. Axos Bank Business Checking Account

Axos Bank provides a comprehensive suite of banking services, including business checking, savings, and lending options. With a reputation for excellent customer service and low fees, Axos is an excellent choice for businesses that require flexible banking services.

Key Features:

• No monthly maintenance fee for certain account types

• Free online bill pay and mobile check deposit

• 24/7 customer service support

• High-yield business savings options

• A robust mobile banking app with expense tracking tools

Axos is perfect for businesses that need both an easy-to-use online banking platform and a wide variety of banking features. With access to personalized customer support and banking tools that are built for business owners, Axos gives you the tools to manage your finances effortlessly.

4. Lili Business Account

Lili is a mobile-first business banking solution tailored for freelancers and small business owners who need an easy-to-use platform to manage their business finances. It provides a streamlined, intuitive user experience, helping entrepreneurs manage their finances on the go.

Key Features:

• No monthly fees or minimum balance

• Automatic expense categorization

• Built-in tax savings tools

• Free ATM withdrawals with no foreign transaction fees

• Integrations with major accounting tools

Lili’s features are tailored to business owners who want a hassle-free banking experience. Its tax-saving tools and automatic expense categorization help you keep track of your income and expenses, reducing the burden of manual bookkeeping.

5. Chase Business Complete Banking

Chase’s Business Complete Banking offers a full range of business banking services, from checking and savings accounts to credit cards and loans. While it’s not purely an online-only service, Chase’s online banking platform provides access to its robust suite of tools for managing your business finances.

Key Features:

• Monthly fee waiver with a minimum balance

• Access to over 16,000 ATMs nationwide

• Detailed reporting and account management tools

• Integration with popular accounting software

• 24/7 customer support

Chase Business Complete Banking is perfect for businesses looking for a traditional banking experience with the added convenience of a digital platform. With a vast array of services and excellent customer support, Chase is a top choice for many business owners.

6. BlueVine Business Checking

BlueVine is another standout in the world of online business banking. With a high-yield checking account and low fees, it’s an ideal choice for businesses that want to earn interest on their deposits while enjoying the convenience of online banking.

Key Features:

• 1.5% interest on balances up to $100,000

• No monthly fees or minimum balance requirements

• Free ACH transfers and bill pay

• Seamless integrations with accounting tools like QuickBooks

• FDIC-insured up to $250,000

BlueVine’s business checking account is designed to help businesses grow by offering an interest-bearing account that helps your deposits work for you. With no hidden fees and easy access to your funds, BlueVine is a solid choice for businesses looking to optimize their banking.

7. Revolut Business Account

Revolut is a global financial platform offering multi-currency business accounts, international transfers, and expense management tools. It’s ideal for businesses that operate internationally or deal with a variety of currencies regularly.

Key Features:

• Multi-currency accounts with no hidden fees

• Free international money transfers at interbank rates

• Budgeting and expense management tools

• Integration with accounting and CRM software

• Corporate cards with expense controls

Revolut stands out for its ability to handle multi-currency transactions and international payments with ease. Its powerful expense management tools and integrations with business software make it an excellent choice for businesses operating globally.

8. Relay Financial Business Account

Relay Financial offers a unique and flexible business banking platform, providing a suite of tools that cater to small businesses and startups. It’s known for its straightforward, no-fee account management and powerful financial tools.

Key Features:

• Multiple sub-accounts to separate business expenses

• No monthly fees or minimum balances

• Integration with popular accounting software

• Virtual cards for controlling employee expenses

• Automatic expense categorization and reporting tools

Relay Financial is an excellent choice for businesses that require a high level of customization in their banking system. Its ability to create multiple sub-accounts helps business owners segregate funds for specific purposes, making it easier to track expenses and manage finances.

9. NorthOne Business Account

NorthOne is a simple online business banking solution designed for small businesses, freelancers, and entrepreneurs. It provides a mobile-first banking experience, offering a range of features to help businesses manage their finances effectively.

Key Features:

• No monthly fees and no minimum balance requirements

• Automated expense tracking and categorization

• Easy invoicing and bill payment options

• Integration with accounting tools like QuickBooks

• Free ATM access at over 24,000 locations

NorthOne’s straightforward interface and comprehensive tools make it easy for businesses to manage their finances from anywhere. With a focus on simplicity and efficiency, NorthOne is a great choice for business owners who want to stay on top of their financials without unnecessary complexity.

10. SoFi Money Business Account

SoFi is another well-known name in the world of digital banking. Their business account, which is powered by the SoFi Money platform, offers no fees, no minimums, and a host of other features that make it attractive for small business owners.

Key Features:

• No monthly fees and no minimum balance requirements

• Cash back rewards on purchases

• Free ATM access at thousands of locations

• Integration with accounting software like QuickBooks

• Mobile check deposit and online bill pay

SoFi Money provides the flexibility and features small businesses need to stay competitive while reducing overhead costs. Its rewards program and seamless integrations with accounting tools help you manage your financials with ease.

Conclusion: Choose the Right Online Business Bank Account for Your Needs

As you evaluate online business bank accounts for 2025, it’s important to consider the unique needs of your business. Whether you’re looking for a simple, fee-free account or a full suite of banking services with advanced features, there’s an online business bank account designed for you.

Also Read: Top 7 High-Yield Savings Accounts to Grow Your Money Faster

Brex and Revolut are great choices for businesses operating internationally, while Novo and Lili cater to smaller businesses and freelancers. If you need an interest-bearing account, BlueVine may be the perfect option, while Axos and Chase offer traditional banking features with modern, online capabilities.

Ultimately, the right online business bank account can streamline your financial processes, reduce fees, and offer powerful tools to help your business grow in 2025. Make sure to compare the features, fees, and services of each option to select the one that aligns best with your financial goals.