Best business accounts for Agencies in United States
Snapshot
Agencies in the United States tend to need clean invoicing, multi user access and a way to pay overseas contractors without heavy fees. Several accounts cover this without a high monthly cost.
Suits Agencies best
Depends on how much you pay across currencies
Typical monthly fee
From no monthly fee to about 99 USD a month by plan
Non resident position
Possible where the business is registered in the United States with an EIN. Verify with the provider.
Providers that fit
Three reviewed here
Fees and features as of 22 May 2026Last reviewed 22 May 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Agencies often juggle client invoices, contractor payments and software subscriptions, sometimes across borders. As of 22 May 2026, Mercury suits United States focused agencies with a free account, while Wise Business and Airwallex suit international payments in several currencies. Compare current fees and features before choosing.
What Agencies in the United States need from a business account
Agencies usually want tidy invoicing and records that export to accounting software, multi user access with permissions, and low cost payments to overseas talent where they hire abroad. A no monthly fee account can work for a lean studio, while a paid plan can pay off where you need richer multi currency controls. Confirm current terms with the provider.
M
Mercury
Free United States business checking with multi user access, but it holds United States dollars only and does not accept sole proprietorships.
Best for
United States focused agencies
Monthly fee
No monthly fee, paid plan from about 35 USD a month
Compare accounts for Agencies in the United States
These providers accept Agencies in the United States. Fees and eligibility shown as of 22 May 2026. Confirm current terms with the provider before applying.
Questions about banking for Agencies in the United States
What account suits a small agency in the United States?
It depends on how much you pay across currencies and how many users need access. As of 22 May 2026, a no monthly fee account such as Mercury or Wise Business can suit a lean agency, while Airwallex adds multi currency controls. Compare current terms with the provider.
Can an agency pay overseas contractors from these accounts?
Yes. Wise Business and Airwallex are built around international payments, with conversion margins shown as of 22 May 2026. Mercury holds United States dollars only and charges 3 percent on international card payments. Confirm current rates and supported countries with the provider.
Do these accounts support multiple team members?
Several plans offer multi user access with permissions, though the detail and any added cost vary by provider and plan. Check the current plan features with the provider.
Is there a no monthly fee option for agencies?
Yes, Mercury and Wise Business charge no monthly fee as of 22 May 2026, with a one off 31 USD on Wise to access United States account details. Airwallex waives its Explore monthly fee where deposit or balance conditions are met. Verify with the provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 22 May 2026. Confirm current terms with the provider before applying.