Business account fees in United States what they cost and how to compare

Snapshot

Business account fees in the United States range from no monthly fee to a monthly service charge, with extra costs for wires, cash deposits and international payments. The headline fee is only part of the picture.

Can a non resident open: Possible. Non residents can often open remotely with a fintech provider once a United States company and EIN are in place. Some traditional banks ask for an in person visit.
Typical timeline: Often a few business days for fintech accounts, longer for the major banks.
Free account available: Yes, several accounts have a no monthly fee option as of 18 March 2026. Verify with the provider.
Most providers: Multiple business accounts

Fees and features as of 18 March 2026Last reviewed 18 March 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

United States business accounts can cost nothing a month or carry a monthly service fee, and the bigger costs are often wires, cash handling and currency conversion. As of 18 March 2026, fintech accounts such as Mercury, Wise Business and the basic plans from Relay and Revolut Business have a no monthly fee option, while paid tiers from Airwallex and Revolut Business range higher. The major banks often charge a monthly service fee that can be waived with a minimum balance. Confirm current fees with the provider.

How business account fees work in the United States

Three fee layers matter in the United States. The monthly account fee, which can be zero. The per transaction fees, which may apply to wires, cash deposits and transactions above a monthly limit. And the international fees, which include currency conversion margins and card charges abroad. A low monthly fee can still mean high wire or international costs, so compare the layer that matches how you trade.

Monthly account fees

Several accounts have a no monthly fee option as of 18 March 2026. Mercury charges no monthly fee, and Wise Business charges no monthly fee with a one off 31 USD to access United States account details. Relay offers a no monthly fee plan, with Relay Pro at about 30 USD a month. Revolut Business plans run Basic at 0 USD, Grow at about 30 USD and Scale at about 119 USD. Airwallex waives its Explore monthly fee where deposit or balance conditions are met, otherwise about 29 USD, and the Grow plan is about 99 USD. The major banks often charge a monthly service fee that can be waived if you keep a minimum balance. Verify current figures with each provider.

Wire, cash and international fees

International payments are where fees differ most. Wise Business converts at a transparent percentage that is often under 1 percent as of 18 March 2026. Airwallex applies a currency margin, and Revolut Business gives a monthly exchange allowance then a percentage above it. Mercury holds United States dollars only and charges 3 percent on international card payments. Domestic and international wires usually carry a fee, and some accounts charge for cash deposits above a monthly limit. Always confirm the current rate card with the provider.

Fees to check before you apply

When comparing business account costs in the United States, check these fee types, as of 18 March 2026. Verify with the provider

Monthly account or plan fee, and any minimum balance or deposit that waives it.
Per transaction fees for wires, cash deposits and transactions above a monthly limit.
International costs, including the currency conversion margin and any charge on card payments abroad.

How to compare fees

List how you actually transact, including monthly volume, wires, cash use and international payments.
Compare the monthly fee, the wire and transaction fees and the international margin side by side, not just the headline price.
Confirm the current rate card with the provider before you apply, because fees change and vary by plan.

Compare business accounts available in the United States

These providers accept business customers in the United States. Fees and eligibility shown as of 18 March 2026. Confirm current terms with the provider before applying.

Compare business accounts →

Questions about business banking in the United States

Is there a business account with no monthly fee in the United States?

Yes, several accounts have a no monthly fee option as of 18 March 2026, including Mercury, Wise Business and the basic plans from Relay and Revolut Business. The major banks often charge a monthly service fee that can be waived if you keep a minimum balance. Confirm current fees with the provider.

What fees apply to international payments from a United States business account?

International payments usually carry a currency conversion margin and sometimes a wire fee. As of 18 March 2026, Wise Business converts at a transparent percentage that is often under 1 percent, Airwallex applies a currency margin, and Revolut Business gives a monthly exchange allowance then a percentage above it. Mercury holds United States dollars only and charges 3 percent on international card payments. Rates change, so verify with the provider.

Do United States banks charge for wires and cash deposits?

Often yes. Domestic and international wires usually carry a fee, and some accounts charge for cash deposits above a monthly limit. Many fintech accounts offer free or low cost domestic ACH transfers instead. The detail varies by account and plan, so check the current rate card with the provider.

Does a low monthly fee mean a cheaper account overall?

Not always. Wire fees, cash handling charges and international conversion margins can outweigh a low or zero monthly fee, depending on how you trade. Compare the fee layer that matches your activity. Information shown as of 18 March 2026.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 18 March 2026. Confirm current terms with the provider before applying.