Best Business Checking Account Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Top business checking rates currently available include Rave Financial Credit Union offering Business Checking Account at 6.10% APY, Midflorida Credit Union offering Business Checking Plus Interest at 5.00% APY, Bank of Greene County offering FREE e-BUSINESS CHECKING ACCOUNT at 5.00% APY, Peoples Security Bank offering Micro Business MaxEarnings Checking at 5.00% APY, and Centra Credit Union offering Business 8 Month w/checking at 4.35% APY. Rates as of September 22, 2026 per MonitorBankRates.
We display transparent financial health metrics including A–F Safety Grades, Star Ratings, and Texas Ratios so you can choose a stable, highly-rated institution.
Rates reflect actual verified offers. Last Updated: September 22, 2026
Compare the Best Business Checking Rates
Beaumont, TX 77713
Balance: $1,000.00 to $35,000.00
Lakeland, FL 33801
Balance: $0.01 to $10,000.00
Catskill, NY 12414
Balance: $1-$500
Scranton, PA 18509
Balance: Tier 1: $0.01 - $5,000.00; Tier 2: $5,000.01 or more
Columbus, IN 47201 5577
1
Crown Point, IN 46307 9469
Balance: $350,000.00 & Over
Gainesville, FL 32606
Balance: $1,500,000.00+
Lynchburg, VA 24502
Balance: $0.01 to $10,000.00; Dividends Compounded: Monthly
Gainesville, FL 32606
Balance: $1,000,000.00-$1,499.999.99; Balance: $1,000,000.00-$1,499.999.99
Germantown, MD 20874
Balance: $0 - $20,000.00
Rock Hill, SC 29730 4039
Balance: $20,000
Saint Louis Park, MN 55416
Balance: $0.01 - $3,000,000.00
Sweetwater, FL 33172 2706
Balance: $1,000,000 and over
Lynnville, IN 47619
No additional details provided.
Sweetwater, FL 33172 2706
Balance: $500,000 - $999,999.99
Milledgeville, GA 31061
Balance: $0 to $24,999.99
Salem, OR 97301
$1,000,000 and above; Balance: $1,000,000 and above
Chatsworth, CA 91311 6532
Balance: $20,000+
Tullahoma, TN 37388
No additional details provided.
Salem, OR 97301
$500,000 - $999,999.99; Balance: $500,000 - $999,999.99
Gainesville, FL 32606
Balance: $750,000- $999,999.99; Balance: $750,000- $999,999.99
Davis, WV 26260
No additional details provided.
Lincoln, NE 68520
Balance: $250,000.01 & Above
Cameron, TX 76520
Balance: $2,500.01 to $15,000.00
West Monroe, LA 71292 5821
Balance: $2,500,000 & over
Travelers Rest, SC 29690
Balance: $250,000 & over
Portland, OR 97210
Overdrawn Balance Rate (APR) is variable at Prime + 5.00%. Subject to adjustment on the 21st day of each month based on the Prime Rate published in the Wall Street Journal on the 10th day of the month for the next business day if the 10th falls on a weekend. Current Prime Rate is As of 01/10/25, Prime Rate is 6.75%.. Interest earned is sent to the applicable State's legal foundation, as required by law. All interest is compounded and credited monthly.
Exton, PA 19341
No additional details provided.
Salem, OR 97301
N/A
Notre Dame, IN 46556
Balance: $1,000,000+
Santa Anna, TX 76878
Qualifications Required: enroll in eStatements; 1 direct deposit or 1 ACH per monthly qualification cycle; 10 debit card transactions posted to your Rewards checking account per qualification cycle; Balance: <= $25,000.00; Rewards Checking is a free checking account with no monthly maintenance fee and no minimum balance requirement after the initial $100 deposit. It earns interest monthly and up to ten (10) foreign ATM surcharge fees per monthly qualification cycle are refunded to the account. To receive rewards from the Rewards checking account, participants must: a) enroll in eStatements; b) have 1 direct deposit or 1 ACH per monthly qualification cycle; and c) have 10 debit card transactions posted to your Rewards checking account per qualification cycle. Click here for Rewards Checking Qualification Calendar. If qualifications are not met, the account will still earn interest at a base rate of 0.05%. However, foreign ATM fees will not be refunded for that time period. Coleman County State Bank reserves the right to modify or discontinue this program at any time. Other restrictions may apply.
Gainesville, FL 32606
Balance: $500,000- $749,999.99; Balance: $500,000- $749,999.99
Davis, WV 26260
No additional details provided.
Saint Petersburg, FL 33713
No additional details provided.
Davis, WV 26260
No additional details provided.
Seattle, WA 98101
No additional details provided.
Wolcott, IN 47995
No additional details provided.
Davis, WV 26260
No additional details provided.
Lynnwood, WA 98037
Balance: $250,000+
Salem, OR 97301
$250,000 - $499,999.99; Balance: $250,000 - $499,999.99
Checking Rate Trends
Daily average APYs for business and high-yield checking accounts
Weekly checking rate averages compiled from thousands of current checking rates across our database of 8,500+ banks and credit unions — updated every evening.
Business checking rates rose 0.013 points this week to 0.442% APY, up from 0.429% last week.
High-yield checking rates fell 0.191 points this week to 1.682% APY, down from 1.874% last week.
What Is a Business Checking Account?
A business checking account provides the transaction infrastructure your company needs while keeping business finances legally separate from personal accounts.
When evaluating a business checking account, look beyond the headline APY. Consider monthly maintenance fees, transaction limits, and whether the institution offers business savings or lending products.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates directly from the official websites of banks and credit unions. By pulling this data straight from the institutions’ own digital properties and manually verifying the APYs daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and Coast-to-Coast Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields across the country. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders across the country.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date. This gives you complete transparency into exactly when that specific yield was confirmed.
Frequently Asked Questions about Business Checking Accounts
What is a Business Checking Account?
Do business checking accounts earn interest?
Are business checking accounts FDIC insured?
What documents do I need?
What fees should I watch for?
What are the best Business Checking rates right now?
- Rave Financial Credit Union: 6.10% APY (Business Checking Account)
- Midflorida Credit Union: 5.00% APY (Business Checking Plus Interest)
- Bank of Greene County: 5.00% APY (FREE e-BUSINESS CHECKING ACCOUNT)
- Peoples Security Bank: 5.00% APY (Micro Business MaxEarnings Checking)
- Centra Credit Union: 4.35% APY (Business 8 Month w/checking)
More Checking Rate Options
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