Finding the right business account can grow company funds faster. High Interest Business Accounts pay more than regular checking or savings accounts. Here are the top banks to consider in 2025.
Table of Contents
1. Bluevine
Bluevine is a popular pick for small businesses. This bank offers some of the highest interest rates on business checking accounts. No monthly fees or minimum balance make it easy to get started. Free ATM access helps keep costs down.
- Interest Rate: Up to 4.25 percent
- No monthly fees
- Easy online setup
2. Grasshopper
Grasshopper stands out for its digital tools and high rates. The account setup is simple and no monthly fees are charged. Businesses can earn more on every dollar they deposit.
- Interest Rate: Up to 2.25 percent
- No monthly fees
- Fast online account setup
3. Live Oak Bank
Live Oak Bank offers a clean, easy way to save money while earning interest. Its High Interest Business Account pays much more than many competitors. Online banking tools are helpful for busy owners.
- Interest Rate: Up to 4.00 percent
- No minimum balance
- No monthly fees
4. Axos Bank
Axos Bank combines solid interest rates with flexible account choices. The business interest checking account now pays a very competitive rate. Features like free bill pay and a mobile app are included.
- Interest Rate: Up to 1.01 percent
- No monthly maintenance charges
- Free mobile deposits
5. LendingClub Bank
LendingClub Bank helps small businesses earn more with high-yield checking. There are no monthly fees if you meet balance or activity requirements. Automatic transfers to savings are easy to set up.
- Interest Rate: Up to 1.50 percent
- No minimum balance for interest
- Unlimited transactions
6. U.S. Bank
U.S. Bank’s business money market account gives higher returns than regular business savings. This is a good option for companies that want FDIC insurance. The bank also has a large branch network.
- Interest Rate: Up to 4.50 percent (intro offer)
- FDIC insured
- Many ATM and branch locations
7. Capital One
Capital One offers business savings accounts with strong rates and customer support. Their interest rates are some of the best for large balances. Online access makes managing funds simple.
- Interest Rate: Up to 4.10 percent
- Low fees
- Easy to link with other business accounts
What to Look for in a High Interest Business Account
When choosing a High Interest Business Account, pay attention to the following:
- Interest rate: A higher rate means more money earned on the account balance.
- Monthly fees: Some banks charge fees that can eat into earnings. Look for no-fee accounts.
- Minimum balance: Some banks require you to keep a certain amount in the account to earn interest.
- FDIC insurance: Check that your funds are insured for safety.
- Transaction limits: Some business accounts limit the number of withdrawals or transfers.
Pros and Cons Table
| Bank | Interest Rate | Monthly Fee | FDIC Insured | Online Account Opening | ATM Access | Noteworthy Feature |
|---|---|---|---|---|---|---|
| Bluevine | Up to 4.25% | None | Yes | Yes | Yes | High yield, no fees |
| Grasshopper | Up to 2.25% | None | Yes | Yes | Limited | Quick online setup |
| Live Oak Bank | Up to 4.00% | None | Yes | Yes | No | Savings focus |
| Axos Bank | Up to 1.01% | None | Yes | Yes | Yes | Mobile features |
| LendingClub Bank | Up to 1.50% | Maybe | Yes | Yes | Yes | Unlimited transactions |
| U.S. Bank | Up to 4.50% | Maybe | Yes | Yes | Many | Large network, intro rate |
| Capital One | Up to 4.10% | Low | Yes | Yes | Yes | Links easily to other accts |
Wrap Up
A good High Interest Business Account can help company funds grow with very little effort. Bluevine, Grasshopper, Live Oak Bank, and other top banks offer strong rates and easy tools. Compare interest rates, fees, insurance, and access to choose the account that meets your business needs. Regularly review account terms. Rates and rules may change, so choose a flexible account.
Frequently Asked Questions About the Best High Interest Business Account
Q1. What is a High Interest Business Account?
A High Interest Business Account lets companies earn more interest on deposited funds than a regular account.
Q2. Are High Interest Business Accounts safe?
Yes, most accounts are FDIC insured, protecting your business funds up to legal limits.
Q3. Do I need a big balance to earn interest?
Some banks require a minimum balance, but several top banks offer high rates with no minimum.
Q4. Can I access my funds easily?
Yes, many banks provide online tools and free ATM access for easy money management.