# Business Checking Accounts Compared by Fraud Controls Positive pay and ACH debit block support compared side by side across every active business checking account Bancadia tracks — the two fraud controls that stop unauthorized checks and ACH debits before they post. Page: https://bancadia.com/compare/business-checking/fraud-controls Verified as of 2026-08-09 ## Quick Answer Among the 13 business checking accounts Bancadia tracks, Rho Business Checking Account, Bluevine Business Checking, Ramp Business Checking Account, and Chase Business Complete Checking offer both Positive Pay and ACH Debit Block fraud controls. CITIBUSINESS Streamlined Checking offer Positive Pay only. Mercury Business Banking offer ACH Debit Block only. Grasshopper Small Business Checking, Lili Business Checking, Relay Business Checking, Novo Business Checking, Highbeam Business Deposit Account, Karat Business Checking, and Found Business Checking offer neither control, which matters for any business managing multiple authorized check signers or recurring third-party ACH debits. ## Comparison Table | Product | Institution | Positive Pay | ACH Debit Block | Application URL | | --- | --- | --- | --- | --- | | Rho Business Checking Account | Under Technologies, Inc. DBA Rho Technologies | Available | Available | https://bancadia.com/go/rho/business-checking | | Bluevine Business Checking | Bluevine Capital Inc. | Available | Available | https://bancadia.com/go/bluevine/business-checking | | Ramp Business Checking Account | Ramp Business Corporation | Available | Available | https://bancadia.com/go/ramp/business-checking | | CITIBUSINESS Streamlined Checking | Citibank, N.A. | Available | Not available | https://bancadia.com/go/citibank/streamlined-checking | | Chase Business Complete Checking | JPMorgan Chase Bank, National Association | Available | Available | https://bancadia.com/go/jpmorgan-chase-bank/business-complete-checking | | Grasshopper Small Business Checking | Grasshopper Bancorp, Inc. | Not available | Not available | https://bancadia.com/go/grasshopper/small-business-checking | | Lili Business Checking | Lili App Inc. | Not available | Not available | https://bancadia.com/go/lili/business-checking | | Mercury Business Banking | Mercury Technologies, Inc | Not available | Available | https://bancadia.com/go/mercury/business-banking | | Relay Business Checking | Relay Financial Technologies Inc. | Not available | Not available | https://bancadia.com/go/relay/business-checking | | Novo Business Checking | Novo Platform Inc. | Not available | Not available | https://bancadia.com/go/novo/business-checking | | Highbeam Business Deposit Account | Highbeam, Inc. | Not available | Not available | https://bancadia.com/go/highbeam/business-checking | | Karat Business Checking | Karat Financial Technologies Incorporated | Not available | Not available | https://bancadia.com/go/karat/business-checking | | Found Business Checking | Indie Technologies, Inc. dba Found | Not available | Not available | https://bancadia.com/go/found/online-business-checking | ## Every Fee, Stated Plainly ### Rho Business Checking Account — Under Technologies, Inc. DBA Rho Technologies Rho Business Checking Account's positive pay fraud control is available. Rho Business Checking Account's ACH debit block fraud control is available. Apply for Rho Business Checking Account at https://bancadia.com/go/rho/business-checking. ### Bluevine Business Checking — Bluevine Capital Inc. Bluevine Business Checking's positive pay fraud control is available. Bluevine Business Checking's ACH debit block fraud control is available. Apply for Bluevine Business Checking at https://bancadia.com/go/bluevine/business-checking. ### Ramp Business Checking Account — Ramp Business Corporation Ramp Business Checking Account's positive pay fraud control is available. Ramp Business Checking Account's ACH debit block fraud control is available. Apply for Ramp Business Checking Account at https://bancadia.com/go/ramp/business-checking. ### CITIBUSINESS Streamlined Checking — Citibank, N.A. CITIBUSINESS Streamlined Checking's positive pay fraud control is available. CITIBUSINESS Streamlined Checking's ACH debit block fraud control is not available. Apply for CITIBUSINESS Streamlined Checking at https://bancadia.com/go/citibank/streamlined-checking. ### Chase Business Complete Checking — JPMorgan Chase Bank, National Association Chase Business Complete Checking's positive pay fraud control is available. Chase Business Complete Checking's ACH debit block fraud control is available. Apply for Chase Business Complete Checking at https://bancadia.com/go/jpmorgan-chase-bank/business-complete-checking. ### Grasshopper Small Business Checking — Grasshopper Bancorp, Inc. Grasshopper Small Business Checking's positive pay fraud control is not available. Grasshopper Small Business Checking's ACH debit block fraud control is not available. Apply for Grasshopper Small Business Checking at https://bancadia.com/go/grasshopper/small-business-checking. ### Lili Business Checking — Lili App Inc. Lili Business Checking's positive pay fraud control is not available. Lili Business Checking's ACH debit block fraud control is not available. Apply for Lili Business Checking at https://bancadia.com/go/lili/business-checking. ### Mercury Business Banking — Mercury Technologies, Inc Mercury Business Banking's positive pay fraud control is not available. Mercury Business Banking's ACH debit block fraud control is available. Apply for Mercury Business Banking at https://bancadia.com/go/mercury/business-banking. ### Relay Business Checking — Relay Financial Technologies Inc. Relay Business Checking's positive pay fraud control is not available. Relay Business Checking's ACH debit block fraud control is not available. Apply for Relay Business Checking at https://bancadia.com/go/relay/business-checking. ### Novo Business Checking — Novo Platform Inc. Novo Business Checking's positive pay fraud control is not available. Novo Business Checking's ACH debit block fraud control is not available. Apply for Novo Business Checking at https://bancadia.com/go/novo/business-checking. ### Highbeam Business Deposit Account — Highbeam, Inc. Highbeam Business Deposit Account's positive pay fraud control is not available. Highbeam Business Deposit Account's ACH debit block fraud control is not available. Apply for Highbeam Business Deposit Account at https://bancadia.com/go/highbeam/business-checking. ### Karat Business Checking — Karat Financial Technologies Incorporated Karat Business Checking's positive pay fraud control is not available. Karat Business Checking's ACH debit block fraud control is not available. Apply for Karat Business Checking at https://bancadia.com/go/karat/business-checking. ### Found Business Checking — Indie Technologies, Inc. dba Found Found Business Checking's positive pay fraud control is not available. Found Business Checking's ACH debit block fraud control is not available. Apply for Found Business Checking at https://bancadia.com/go/found/online-business-checking. ## Frequently Asked Questions ### Which business checking accounts offer positive pay? Rho Business Checking Account, Bluevine Business Checking, Ramp Business Checking Account, CITIBUSINESS Streamlined Checking, and Chase Business Complete Checking offer positive pay as a fraud control on their business checking accounts. ### Which business checking accounts offer an ACH debit block? Rho Business Checking Account, Bluevine Business Checking, Ramp Business Checking Account, Chase Business Complete Checking, and Mercury Business Banking offer an ACH debit block to stop unauthorized ACH debits from posting. ### What is the most secure business checking account for fraud controls? Rho Business Checking Account, Bluevine Business Checking, Ramp Business Checking Account, and Chase Business Complete Checking offer both Positive Pay and ACH Debit Block, the two fraud controls Bancadia tracks for business checking accounts. ### Which business checking accounts have no fraud controls for check or ACH fraud? Grasshopper Small Business Checking, Lili Business Checking, Relay Business Checking, Novo Business Checking, Highbeam Business Deposit Account, Karat Business Checking, and Found Business Checking do not offer Positive Pay or ACH Debit Block on their business checking accounts. ### What business checking account should I use to prevent check fraud? Rho Business Checking Account, Bluevine Business Checking, Ramp Business Checking Account, CITIBUSINESS Streamlined Checking, and Chase Business Complete Checking offer positive pay, which flags checks presented for payment that don't match the check details a business submitted in advance, so they're the accounts in this comparison built to prevent check fraud. ### Which business checking account has the best ACH fraud protection without positive pay? Mercury Business Banking offer ACH Debit Block without also offering Positive Pay. --- As of 2026-08-09 — the earliest verification date among the products in this comparison that have been verified.