# Best Small Business Checking Accounts: A Comprehensive Guide

When it comes to small business banking, finding the right checking account can be a challenge. Many business bank accounts come with monthly maintenance fees, minimum balance requirements, and transaction limits, putting microbusiness owners and solopreneurs at a disadvantage. However, there are several options available that offer attractive features and benefits for small businesses.

## Best Small Business Checking Accounts
Here are some of the best small business checking accounts currently on the market:

### 1. Chase Business Complete Checking®
– **Benefits:** No monthly maintenance fees, minimum balance requirements, or transaction limits.
– **Offer:** New customers can earn a $300 bonus by completing qualifying activities.
– [Sign Up for Chase Business Complete Checking®](https://www.moneycrashers.com/go/chase-business-complete-banking)

### 2. U.S. Bank Business Checking Packages
– **Packages:** Silver, Gold, and Platinum Business Checking Packages with various benefits and features.
– **Promotion:** Earn a bonus worth up to $900 when you open a new eligible U.S. Bank business checking account online.
– [Sign Up for U.S. Bank Business Checking](https://www.moneycrashers.com/go/us-bank-business-checking)

### 3. Found
– **Features:** Comprehensive financial suite for self-employed individuals with no hidden fees and advanced money management tools.
– [Sign up for Found](https://www.moneycrashers.com/go/found)

### 4. Bluevine Business Checking
– **Interest Rate:** Earn up to 2.00% APY on balances up to $100,000.
– **Features:** Advanced accounts payable tools, mobile banking, and cash deposit options.
– [Sign Up for Bluevine Business Checking](https://www.moneycrashers.com/go/bluevine-checking)

### 5. Free Novo Business Checking Account
– **Benefits:** No monthly fees or hidden fees, quick application process, and no minimum balance requirements.
– [Sign Up for the Free Novo Business Checking Account](https://www.moneycrashers.com/go/novo)

## Business Checking FAQs

### Can You Use a Business Bank Account for Personal Expenses?
While technically possible, it is not recommended to use a business bank account for personal expenses. It is essential to keep your business and personal finances separate for better budgeting and legal purposes.

### Does a Business Bank Account Build Credit for Your Business?
Business bank accounts typically do not directly build credit for your business. However, business loans or credit lines from the bank can help establish credit for your business.

### What Are Some Common Restrictions on Small Business Bank Accounts?
Common restrictions on small business bank accounts include transaction limits, minimum balance requirements, and monthly maintenance fees. However, there are options available with fewer restrictions and more benefits.

### How Many Bank Accounts Can Your Small Business Have?
There is no set limit on the number of bank accounts your business can have. However, managing multiple accounts can be complex and costly, so it is recommended to keep the number of accounts to a minimum.

## Conclusion
Choosing the best small business checking account is crucial for managing your business finances effectively. Consider factors such as fees, minimum balance requirements, transaction limits, and additional features when selecting an account for your business. The accounts mentioned in this guide offer a range of benefits and can be a great fit for various business needs.