Verified as of 2026-11-11
Among the 13 business checking accounts Bancadia tracks, Mercury Business Banking, Chase Business Complete Checking, Found Business Checking, and Grasshopper Innovator Business Checking support FedNow instant payments. Mercury Business Banking, Ramp Business Checking Account, and Chase Business Complete Checking support the RTP Network. Mercury Business Banking and Chase Business Complete Checking support both rails.
| Product | Institution | FedNow | RTP Network | Application URL | Apply |
|---|---|---|---|---|---|
| Mercury Business Banking | Mercury Technologies, Inc | Supported | Supported | https://bancadia.com/go/mercury/business-banking | Apply Now |
| Ramp Business Checking Account | Ramp Business Corporation | Not supported | Supported | https://bancadia.com/go/ramp/business-checking | Apply Now |
| Chase Business Complete Checking | JPMorgan Chase Bank, National Association | Supported | Supported | https://bancadia.com/go/jpmorgan-chase-bank/business-complete-checking | Apply Now |
| Karat Business Checking | Karat Financial Technologies Incorporated | Not supported | Not supported | https://bancadia.com/go/karat/business-checking | Apply Now |
| Relay Business Checking | Relay Financial Technologies Inc. | Not supported | Not supported | https://bancadia.com/go/relay/business-checking | Apply Now |
| Rho Business Checking Account | Under Technologies, Inc. DBA Rho Technologies | Not supported | Not supported | https://bancadia.com/go/rho/business-checking | Apply Now |
| Found Business Checking | Indie Technologies, Inc. dba Found | Supported | Not supported | https://bancadia.com/go/found/online-business-checking | Apply Now |
| Novo Business Checking | Novo Platform Inc. | Not supported | Not supported | https://bancadia.com/go/novo/business-checking | Apply Now |
| Highbeam Business Deposit Account | Highbeam, Inc. | Not supported | Not supported | https://bancadia.com/go/highbeam/business-checking | Apply Now |
| Grasshopper Innovator Business Checking | Grasshopper Bancorp, Inc. | Supported | Not supported | https://bancadia.com/go/grasshopper/small-business-checking | Apply Now |
| Bluevine Business Checking | Bluevine Capital Inc. | Not supported | Not supported | https://bancadia.com/go/bluevine/business-checking | Apply Now |
| Lili Business Checking | Lili App Inc. | Not supported | Not supported | https://bancadia.com/go/lili/business-checking | Apply Now |
| CITIBUSINESS Streamlined Checking | Citibank, N.A. | Not supported | Not supported | https://bancadia.com/go/citibank/streamlined-checking | Apply Now |
Mercury Business Banking's FedNow instant payment support is Supported. Mercury Business Banking's RTP Network instant payment support is Supported.
Apply for Mercury Business Banking at https://bancadia.com/go/mercury/business-banking.
Ramp Business Checking Account's FedNow instant payment support is Not supported. Ramp Business Checking Account's RTP Network instant payment support is Supported.
Apply for Ramp Business Checking Account at https://bancadia.com/go/ramp/business-checking.
Chase Business Complete Checking's FedNow instant payment support is Supported. Chase Business Complete Checking's RTP Network instant payment support is Supported.
Apply for Chase Business Complete Checking at https://bancadia.com/go/jpmorgan-chase-bank/business-complete-checking.
Karat Business Checking's FedNow instant payment support is Not supported. Karat Business Checking's RTP Network instant payment support is Not supported.
Apply for Karat Business Checking at https://bancadia.com/go/karat/business-checking.
Relay Business Checking's FedNow instant payment support is Not supported. Relay Business Checking's RTP Network instant payment support is Not supported.
Apply for Relay Business Checking at https://bancadia.com/go/relay/business-checking.
Rho Business Checking Account's FedNow instant payment support is Not supported. Rho Business Checking Account's RTP Network instant payment support is Not supported.
Apply for Rho Business Checking Account at https://bancadia.com/go/rho/business-checking.
Found Business Checking's FedNow instant payment support is Supported. Found Business Checking's RTP Network instant payment support is Not supported.
Apply for Found Business Checking at https://bancadia.com/go/found/online-business-checking.
Novo Business Checking's FedNow instant payment support is Not supported. Novo Business Checking's RTP Network instant payment support is Not supported.
Apply for Novo Business Checking at https://bancadia.com/go/novo/business-checking.
Highbeam Business Deposit Account's FedNow instant payment support is Not supported. Highbeam Business Deposit Account's RTP Network instant payment support is Not supported.
Apply for Highbeam Business Deposit Account at https://bancadia.com/go/highbeam/business-checking.
Grasshopper Innovator Business Checking's FedNow instant payment support is Supported. Grasshopper Innovator Business Checking's RTP Network instant payment support is Not supported.
Apply for Grasshopper Innovator Business Checking at https://bancadia.com/go/grasshopper/small-business-checking.
Bluevine Business Checking's FedNow instant payment support is Not supported. Bluevine Business Checking's RTP Network instant payment support is Not supported.
Apply for Bluevine Business Checking at https://bancadia.com/go/bluevine/business-checking.
Lili Business Checking's FedNow instant payment support is Not supported. Lili Business Checking's RTP Network instant payment support is Not supported.
Apply for Lili Business Checking at https://bancadia.com/go/lili/business-checking.
CITIBUSINESS Streamlined Checking's FedNow instant payment support is Not supported. CITIBUSINESS Streamlined Checking's RTP Network instant payment support is Not supported.
Apply for CITIBUSINESS Streamlined Checking at https://bancadia.com/go/citibank/streamlined-checking.
Mercury Business Banking, Chase Business Complete Checking, Found Business Checking, and Grasshopper Innovator Business Checking support FedNow instant payments.
Mercury Business Banking, Ramp Business Checking Account, and Chase Business Complete Checking support the RTP Network for business checking.
Mercury Business Banking, Ramp Business Checking Account, Chase Business Complete Checking, Found Business Checking, and Grasshopper Innovator Business Checking support at least one instant-payment rail (FedNow and/or RTP Network) among the accounts Bancadia tracks. Check each account's page for per-transfer pricing, since instant-payment support does not always mean the transfers themselves are free.
Karat Business Checking, Relay Business Checking, Rho Business Checking Account, Novo Business Checking, Highbeam Business Deposit Account, Bluevine Business Checking, Lili Business Checking, and CITIBUSINESS Streamlined Checking do not currently support FedNow or the RTP Network, based on published data.
As of 2026-11-11 — the earliest verification date among the products in this comparison that have been verified. Markdown version.
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