Verified as of 2026-08-09
Among the 13 business checking accounts Bancadia tracks, Mercury Business Banking, Highbeam Business Deposit Account, Rho Business Checking Account, and Ramp Business Checking Account charge $0 for both outgoing and incoming domestic wires with no monthly fee. For overdraft specifically, CITIBUSINESS Streamlined Checking ($35) and Chase Business Complete Checking ($34) charge a traditional overdraft fee — the remaining 11 accounts in this comparison charge $0 and decline transactions that would overdraw the account instead.
| Product | Institution | Monthly Fee (base) | Overdraft | Dom. Wire Out | Dom. Wire In | Intl. Wire Out | Intl. Wire In | Cash Deposit | Stop Payment | Card Replacement | Foreign Transaction | Application URL | Apply |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Grasshopper Small Business Checking | Grasshopper Bancorp, Inc. | $0/mo | Not published | $10 | $0 | $25 | $5 | Not supported | $25 ($25 each) | $5 | $0 | https://bancadia.com/go/grasshopper/small-business-checking | Apply Now |
| Lili Business Checking | Lili App Inc. | $0/mo | $0 | $15 | $0 | $25 | $15 | Available (fee not published) | $0 | $0 | $0 | https://bancadia.com/go/lili/business-checking | Apply Now |
| Mercury Business Banking | Mercury Technologies, Inc | $0/mo | $0 | $0 | $0 | $0 | $0 | Not supported | Not published | Not published | 3% of the transaction amount for non-USD card transactions | https://bancadia.com/go/mercury/business-banking | Apply Now |
| Relay Business Checking | Relay Financial Technologies Inc. | $0/mo | $0 | $8 | $5 | $5 | $5 | Available (fee not published) | $10 | $0 | 1% of the transaction amount | https://bancadia.com/go/relay/business-checking | Apply Now |
| Novo Business Checking | Novo Platform Inc. | $0/mo | $0 | $45 | $0 | Not published | $0 | Not supported | $0 | $0 | Not published | https://bancadia.com/go/novo/business-checking | Apply Now |
| Highbeam Business Deposit Account | Highbeam, Inc. | $0/mo | $0 | $0 | $0 | $20 | Not published | $0 per $100 | $0 | $0 | 1% of the transaction amount, charged by Visa on international Highbeam card transactions. | https://bancadia.com/go/highbeam/business-checking | Apply Now |
| Rho Business Checking Account | Under Technologies, Inc. DBA Rho Technologies | $0/mo | $0 | $0 | $0 | $15 | $0 | Not supported | $0 | $0 | 1% of the foreign currency transfer amount via Wise US Inc. | https://bancadia.com/go/rho/business-checking | Apply Now |
| Karat Business Checking | Karat Financial Technologies Incorporated | $0/mo | $0 | $20 | $0 | $40 | Not published | Available (fee not published) | $0 | $0 | 1% of the transaction amount | https://bancadia.com/go/karat/business-checking | Apply Now |
| Found Business Checking | Indie Technologies, Inc. dba Found | $0/mo | $0 | $15 | $0 | Not published | Not published | Available (fee not published) | $0 | $0 | Cross-border conversion fee charged by Mastercard card network; exact rate not disclosed by Found | https://bancadia.com/go/found/online-business-checking | Apply Now |
| Bluevine Business Checking | Bluevine Capital Inc. | $0/mo | $0 | $15 | $0 | $25 | $0 | Not supported | $0 | $0 | Not published | https://bancadia.com/go/bluevine/business-checking | Apply Now |
| Ramp Business Checking Account | Ramp Business Corporation | $0/mo | $0 | $0 | $0 | $0 | Not published | Not supported | $0 | Not applicable — no debit card issued for this account | $0 | https://bancadia.com/go/ramp/business-checking | Apply Now |
| CITIBUSINESS Streamlined Checking | Citibank, N.A. | $15/mo | $35 | $17 | $15 | $27 | $15 | $0.35 per $100 | $20 | Not published | Not published | https://bancadia.com/go/citibank/streamlined-checking | Apply Now |
| Chase Business Complete Checking | JPMorgan Chase Bank, National Association | $15/mo | $34 | $25 | $15 | $40 | $15 | $0.30 per $100 | $25 | $15 | 3% of the transaction amount after conversion to U.S. dollars | https://bancadia.com/go/jpmorgan-chase-bank/business-complete-checking | Apply Now |
Grasshopper Small Business Checking's base monthly fee is $0/mo. Grasshopper Small Business Checking's overdraft fee is Not published. Grasshopper Small Business Checking's outgoing domestic wire fee is $10. Grasshopper Small Business Checking's incoming domestic wire fee is $0. Grasshopper Small Business Checking's outgoing international wire fee is $25. Grasshopper Small Business Checking's incoming international wire fee is $5. Grasshopper Small Business Checking's cash deposit fee is Not supported. Grasshopper Small Business Checking's stop payment fee is $25 ($25 each). Grasshopper Small Business Checking's card replacement fee is $5. Grasshopper Small Business Checking's foreign transaction fee is $0.
Apply for Grasshopper Small Business Checking at https://bancadia.com/go/grasshopper/small-business-checking.
Lili Business Checking's base monthly fee is $0/mo. Lili Business Checking's overdraft fee is $0. Lili Business Checking's outgoing domestic wire fee is $15. Lili Business Checking's incoming domestic wire fee is $0. Lili Business Checking's outgoing international wire fee is $25. Lili Business Checking's incoming international wire fee is $15. Lili Business Checking's cash deposit fee is Available (fee not published). Lili Business Checking's stop payment fee is $0. Lili Business Checking's card replacement fee is $0. Lili Business Checking's foreign transaction fee is $0.
Apply for Lili Business Checking at https://bancadia.com/go/lili/business-checking.
Mercury Business Banking's base monthly fee is $0/mo. Mercury Business Banking's overdraft fee is $0. Mercury Business Banking's outgoing domestic wire fee is $0. Mercury Business Banking's incoming domestic wire fee is $0. Mercury Business Banking's outgoing international wire fee is $0. Mercury Business Banking's incoming international wire fee is $0. Mercury Business Banking's cash deposit fee is Not supported. Mercury Business Banking's stop payment fee is Not published. Mercury Business Banking's card replacement fee is Not published. Mercury Business Banking's foreign transaction fee is 3% of the transaction amount for non-USD card transactions.
Apply for Mercury Business Banking at https://bancadia.com/go/mercury/business-banking.
Relay Business Checking's base monthly fee is $0/mo. Relay Business Checking's overdraft fee is $0. Relay Business Checking's outgoing domestic wire fee is $8. Relay Business Checking's incoming domestic wire fee is $5. Relay Business Checking's outgoing international wire fee is $5. Relay Business Checking's incoming international wire fee is $5. Relay Business Checking's cash deposit fee is Available (fee not published). Relay Business Checking's stop payment fee is $10. Relay Business Checking's card replacement fee is $0. Relay Business Checking's foreign transaction fee is 1% of the transaction amount.
Apply for Relay Business Checking at https://bancadia.com/go/relay/business-checking.
Novo Business Checking's base monthly fee is $0/mo. Novo Business Checking's overdraft fee is $0. Novo Business Checking's outgoing domestic wire fee is $45. Novo Business Checking's incoming domestic wire fee is $0. Novo Business Checking's outgoing international wire fee is Not published. Novo Business Checking's incoming international wire fee is $0. Novo Business Checking's cash deposit fee is Not supported. Novo Business Checking's stop payment fee is $0. Novo Business Checking's card replacement fee is $0. Novo Business Checking's foreign transaction fee is Not published.
Apply for Novo Business Checking at https://bancadia.com/go/novo/business-checking.
Highbeam Business Deposit Account's base monthly fee is $0/mo. Highbeam Business Deposit Account's overdraft fee is $0. Highbeam Business Deposit Account's outgoing domestic wire fee is $0. Highbeam Business Deposit Account's incoming domestic wire fee is $0. Highbeam Business Deposit Account's outgoing international wire fee is $20. Highbeam Business Deposit Account's incoming international wire fee is Not published. Highbeam Business Deposit Account's cash deposit fee is $0 per $100. Highbeam Business Deposit Account's stop payment fee is $0. Highbeam Business Deposit Account's card replacement fee is $0. Highbeam Business Deposit Account's foreign transaction fee is 1% of the transaction amount, charged by Visa on international Highbeam card transactions..
Apply for Highbeam Business Deposit Account at https://bancadia.com/go/highbeam/business-checking.
Rho Business Checking Account's base monthly fee is $0/mo. Rho Business Checking Account's overdraft fee is $0. Rho Business Checking Account's outgoing domestic wire fee is $0. Rho Business Checking Account's incoming domestic wire fee is $0. Rho Business Checking Account's outgoing international wire fee is $15. Rho Business Checking Account's incoming international wire fee is $0. Rho Business Checking Account's cash deposit fee is Not supported. Rho Business Checking Account's stop payment fee is $0. Rho Business Checking Account's card replacement fee is $0. Rho Business Checking Account's foreign transaction fee is 1% of the foreign currency transfer amount via Wise US Inc..
Apply for Rho Business Checking Account at https://bancadia.com/go/rho/business-checking.
Karat Business Checking's base monthly fee is $0/mo. Karat Business Checking's overdraft fee is $0. Karat Business Checking's outgoing domestic wire fee is $20. Karat Business Checking's incoming domestic wire fee is $0. Karat Business Checking's outgoing international wire fee is $40. Karat Business Checking's incoming international wire fee is Not published. Karat Business Checking's cash deposit fee is Available (fee not published). Karat Business Checking's stop payment fee is $0. Karat Business Checking's card replacement fee is $0. Karat Business Checking's foreign transaction fee is 1% of the transaction amount.
Apply for Karat Business Checking at https://bancadia.com/go/karat/business-checking.
Found Business Checking's base monthly fee is $0/mo. Found Business Checking's overdraft fee is $0. Found Business Checking's outgoing domestic wire fee is $15. Found Business Checking's incoming domestic wire fee is $0. Found Business Checking's outgoing international wire fee is Not published. Found Business Checking's incoming international wire fee is Not published. Found Business Checking's cash deposit fee is Available (fee not published). Found Business Checking's stop payment fee is $0. Found Business Checking's card replacement fee is $0. Found Business Checking's foreign transaction fee is Cross-border conversion fee charged by Mastercard card network; exact rate not disclosed by Found.
Apply for Found Business Checking at https://bancadia.com/go/found/online-business-checking.
Bluevine Business Checking's base monthly fee is $0/mo. Bluevine Business Checking's overdraft fee is $0. Bluevine Business Checking's outgoing domestic wire fee is $15. Bluevine Business Checking's incoming domestic wire fee is $0. Bluevine Business Checking's outgoing international wire fee is $25. Bluevine Business Checking's incoming international wire fee is $0. Bluevine Business Checking's cash deposit fee is Not supported. Bluevine Business Checking's stop payment fee is $0. Bluevine Business Checking's card replacement fee is $0. Bluevine Business Checking's foreign transaction fee is Not published.
Apply for Bluevine Business Checking at https://bancadia.com/go/bluevine/business-checking.
Ramp Business Checking Account's base monthly fee is $0/mo. Ramp Business Checking Account's overdraft fee is $0. Ramp Business Checking Account's outgoing domestic wire fee is $0. Ramp Business Checking Account's incoming domestic wire fee is $0. Ramp Business Checking Account's outgoing international wire fee is $0. Ramp Business Checking Account's incoming international wire fee is Not published. Ramp Business Checking Account's cash deposit fee is Not supported. Ramp Business Checking Account's stop payment fee is $0. Ramp Business Checking Account's card replacement fee is Not applicable — no debit card issued for this account. Ramp Business Checking Account's foreign transaction fee is $0.
Apply for Ramp Business Checking Account at https://bancadia.com/go/ramp/business-checking.
CITIBUSINESS Streamlined Checking's base monthly fee is $15/mo. CITIBUSINESS Streamlined Checking's overdraft fee is $35. CITIBUSINESS Streamlined Checking's outgoing domestic wire fee is $17. CITIBUSINESS Streamlined Checking's incoming domestic wire fee is $15. CITIBUSINESS Streamlined Checking's outgoing international wire fee is $27. CITIBUSINESS Streamlined Checking's incoming international wire fee is $15. CITIBUSINESS Streamlined Checking's cash deposit fee is $0.35 per $100. CITIBUSINESS Streamlined Checking's stop payment fee is $20. CITIBUSINESS Streamlined Checking's card replacement fee is Not published. CITIBUSINESS Streamlined Checking's foreign transaction fee is Not published.
Apply for CITIBUSINESS Streamlined Checking at https://bancadia.com/go/citibank/streamlined-checking.
Chase Business Complete Checking's base monthly fee is $15/mo. Chase Business Complete Checking's overdraft fee is $34. Chase Business Complete Checking's outgoing domestic wire fee is $25. Chase Business Complete Checking's incoming domestic wire fee is $15. Chase Business Complete Checking's outgoing international wire fee is $40. Chase Business Complete Checking's incoming international wire fee is $15. Chase Business Complete Checking's cash deposit fee is $0.30 per $100. Chase Business Complete Checking's stop payment fee is $25. Chase Business Complete Checking's card replacement fee is $15. Chase Business Complete Checking's foreign transaction fee is 3% of the transaction amount after conversion to U.S. dollars.
Apply for Chase Business Complete Checking at https://bancadia.com/go/jpmorgan-chase-bank/business-complete-checking.
Grasshopper Small Business Checking, Lili Business Checking, Mercury Business Banking, Relay Business Checking, Novo Business Checking, Highbeam Business Deposit Account, Rho Business Checking Account, Karat Business Checking, Found Business Checking, Bluevine Business Checking, and Ramp Business Checking Account charge $0 for overdrafts and decline transactions that would overdraw the account instead of charging a fee. CITIBUSINESS Streamlined Checking ($35) and Chase Business Complete Checking ($34) charge a traditional overdraft fee.
Mercury Business Banking charges the least for outgoing international wires among accounts with a published rate, at $0.
Grasshopper Small Business Checking, Lili Business Checking, Mercury Business Banking, Relay Business Checking, Novo Business Checking, Highbeam Business Deposit Account, Rho Business Checking Account, Karat Business Checking, Found Business Checking, Bluevine Business Checking, and Ramp Business Checking Account have a $0 base monthly fee.
Highbeam Business Deposit Account charges $0 per $100 deposited — the lowest published cash deposit fee among accounts that accept cash deposits in this comparison.
Lili Business Checking, Novo Business Checking, Highbeam Business Deposit Account, Rho Business Checking Account, Karat Business Checking, Found Business Checking, Bluevine Business Checking, and Ramp Business Checking Account charge $0 for stop payment requests.
Grasshopper Small Business Checking, Lili Business Checking, and Ramp Business Checking Account charge $0 in foreign transaction fees on card purchases.
As of 2026-08-09 — the earliest verification date among the products in this comparison that have been verified. Markdown version.
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