Best business accounts for LLC and Corporations in United States
Snapshot
An LLC or corporation in the United States usually wants a clean separation between business and personal money, a way to manage cash and cards across the team, and protection on deposits. How you handle cash and reserves decides which account fits.
Suits LLC and Corporations best
Depends on whether you want a savings sweep, many sub accounts, or interest on balances
Typical monthly fee
From no monthly fee to about 35 USD a month by plan
Opening requirement
EIN and formation documents. Verify with the provider.
Providers that fit
Three reviewed here
Fees and features as of 15 April 2026Last reviewed 15 April 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
An LLC or corporation cares most about keeping company money separate from personal money, managing cash and cards across a team, and protecting reserves. As of 15 April 2026, Mercury suits digital first companies that want free checking with a large sweep based deposit program, Relay suits teams that want many sub accounts and cards for spend control, and Bluevine suits companies that want to earn interest on a balance. Compare current fees and features before choosing.
What an LLC or corporation in the United States needs from a business account
A registered company should keep its money apart from the owners to protect the corporate structure and to make accounting and tax clean. Most LLCs and corporations want an account opened with an EIN, a clear way to give the team cards with spend limits, and a sensible place to hold reserves with deposit protection. Companies that hold larger balances often look at a sweep program that spreads deposits across a network of program banks to raise the protected amount. Confirm current terms with the provider.
M
Mercury
Free United States checking with a sweep program that spreads deposits across a network of program banks to raise the protected amount, but it is United States dollars only and is built for digital first companies rather than cash heavy ones.
Best for
Digital first companies holding reserves
Monthly fee
No monthly fee, paid plan from about 35 USD a month
Free checking with up to 20 sub accounts and up to 50 cards for spend control and cash management, but it offers no lending and limited cash deposit options.
No monthly fee on the Standard plan and can pay interest where monthly activity conditions are met, but the interest rate depends on qualifying spend or deposits and higher plans carry a fee.
Compare accounts for an LLC or corporation in the United States
These providers accept an LLC or corporation in the United States. Fees and eligibility shown as of 15 April 2026. Confirm current terms with the provider before applying.
Questions about banking for an LLC or corporation in the United States
What account suits an LLC or corporation in the United States?
It depends on how you manage cash. As of 15 April 2026, Mercury suits digital first companies that want free checking with a large sweep based deposit program, Relay suits teams that want many sub accounts and cards for spend control, and Bluevine suits companies that want to earn interest on a balance. Confirm current terms with the provider.
Do you need an EIN to open an account for an LLC or corporation?
Yes. An LLC or corporation opens a business account with an EIN, plus formation documents such as articles of organization or incorporation and a government issued photo ID. A multi member LLC or corporation may also need an operating agreement or board resolution. Confirm the exact list with the provider as of 15 April 2026.
Can a non resident open a United States account for their LLC?
Often yes. As of 15 April 2026, several fintech providers let a non resident open remotely once a United States company and EIN are in place, while some traditional banks ask for an in person visit. Requirements vary, so verify your situation with the provider.
Is there a free business account for an LLC?
Yes. As of 15 April 2026, Mercury and Relay offer no monthly fee checking for an LLC or corporation, and Bluevine has a no monthly fee Standard plan. Wires, cash handling and international payments can still carry fees, so check the rate card with the provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 15 April 2026. Confirm current terms with the provider before applying.