Founder services to open a business bank account
The services every startup pays for sooner or later. Everything below helps you open a business bank account, ranked by editor score.
Updated October 2026 · 16 listings
How to choose founder services to open a business bank account
Startup banks differ on who they accept (many need a US company but not a US founder), deposit insurance limits, card rewards, wire fees, and the treasury yield on idle cash. Most also bundle a perks catalogue worth more than the account itself.
Mercury 🧾 ServiceFreemium
Online business banking for US companies, with a $0 base plan and founders accepted from most countries.
🔥 Mercury Books ($35/mo) fee waived until 31 December 2026Wise Business 🧾 ServicePaid
Multi-currency business account: hold, receive and pay in many currencies at low, transparent fees.
Ramp 🧾 ServiceFreemium
Free corporate cards, expense management and business account for US companies, plus $350K+ in startup perks.
Brex 🧾 ServiceFreemium
Corporate cards, business account and spend management for funded US startups, free on the Essentials plan.
Relay 🧾 ServiceFreemium
No-fee US business banking with up to 20 checking accounts, open to owners from over 200 countries.
🔥 Scale plan at $90/mo instead of $120/mo (limited-time offer)Rho 🧾 ServiceFree
Business banking, cards, treasury and AP for US startups with $0 subscription and no account minimums.
🔥 $100 when you open an account and deposit (terms apply)Firstbase 🧾 ServicePaid
Form a Delaware or Wyoming company from anywhere, then add registered agent, mailroom, accounting and tax.
🔥 Formation $99 one-time instead of $399, plus state feeRevolut Business 🧾 ServicePaid
Multi-currency business account and cards for companies registered in the UK, EEA or US.
Bluevine 🧾 ServiceFreemium
Interest-earning US business checking with a $0 Standard plan and paid tiers up to 3.0% APY.
doola 🧾 ServicePaid
US LLC or C-corp formation for founders in 175+ countries, with EIN, address, bookkeeping and tax plans.
Every 🧾 ServiceFreemium
Free Delaware C-corp incorporation plus banking, payroll, bookkeeping and tax for startups.
Novo 🧾 ServiceFree
No-fee business checking for US-based small business owners and freelancers.
Navan 🧾 ServiceFreemium
Free travel booking and expense management for companies with up to 300 employees.
🔥 Navan Business: free for companies with up to 300 employees, unlimited Navan Travel bookings, first 5 monthly expense users free (then $15/uPleo 🧾 ServicePaid
European company cards and spend management, from £8/user/month, for teams across the EU and UK.
Highbeam 🧾 ServiceFreemium
Banking, high-yield savings and a revenue-based credit line built for US ecommerce brands.
Settle 🧾 ServiceFreemium
Free AP automation for CPG/ecommerce brands, plus non-dilutive inventory financing from $20K to $15M.
🔥 Settle Launch plan: free AP automation with no transaction fees; inventory financing from $20K to $15M, non-dilutiveMore for this step
🎁 Open a business bank account programs (3) Open a business bank account: the step