# Business Checking Accounts Compared by FedNow and RTP Network Support

FedNow and RTP Network instant-payment support compared side by side across every active business checking account Bancadia tracks.

Page: https://bancadia.com/compare/business-checking/instant-payments
Verified as of 2026-08-09

## Quick Answer

Among the 13 business checking accounts Bancadia tracks, Chase Business Complete Checking, Grasshopper Small Business Checking, and Found Business Checking support FedNow instant payments. Ramp Business Checking Account and Chase Business Complete Checking support the RTP Network. Chase Business Complete Checking support both rails.

## Comparison Table

| Product | Institution | FedNow | RTP Network | Application URL |
| --- | --- | --- | --- | --- |
| Ramp Business Checking Account | Ramp Business Corporation | Not supported | Supported | https://bancadia.com/go/ramp/business-checking |
| Chase Business Complete Checking | JPMorgan Chase Bank, National Association | Supported | Supported | https://bancadia.com/go/jpmorgan-chase-bank/business-complete-checking |
| Grasshopper Small Business Checking | Grasshopper Bancorp, Inc. | Supported | Not supported | https://bancadia.com/go/grasshopper/small-business-checking |
| Lili Business Checking | Lili App Inc. | Not supported | Not supported | https://bancadia.com/go/lili/business-checking |
| Mercury Business Banking | Mercury Technologies, Inc | Not supported | Not supported | https://bancadia.com/go/mercury/business-banking |
| Relay Business Checking | Relay Financial Technologies Inc. | Not supported | Not supported | https://bancadia.com/go/relay/business-checking |
| Novo Business Checking | Novo Platform Inc. | Not supported | Not supported | https://bancadia.com/go/novo/business-checking |
| Highbeam Business Deposit Account | Highbeam, Inc. | Not supported | Not supported | https://bancadia.com/go/highbeam/business-checking |
| Rho Business Checking Account | Under Technologies, Inc. DBA Rho Technologies | Not supported | Not supported | https://bancadia.com/go/rho/business-checking |
| Karat Business Checking | Karat Financial Technologies Incorporated | Not supported | Not supported | https://bancadia.com/go/karat/business-checking |
| Found Business Checking | Indie Technologies, Inc. dba Found | Supported | Not supported | https://bancadia.com/go/found/online-business-checking |
| Bluevine Business Checking | Bluevine Capital Inc. | Not supported | Not supported | https://bancadia.com/go/bluevine/business-checking |
| CITIBUSINESS Streamlined Checking | Citibank, N.A. | Not supported | Not supported | https://bancadia.com/go/citibank/streamlined-checking |

## Every Fee, Stated Plainly

### Ramp Business Checking Account — Ramp Business Corporation
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 — JPMorgan Chase Bank, National Association
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.

### Grasshopper Small Business Checking — Grasshopper Bancorp, Inc.
Grasshopper Small Business Checking's FedNow instant payment support is Supported. Grasshopper Small Business Checking's RTP Network instant payment support is Not supported.
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 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.

### Mercury Business Banking — Mercury Technologies, Inc
Mercury Business Banking's FedNow instant payment support is Not supported. Mercury Business Banking's RTP Network instant payment support is Not supported.
Apply for Mercury Business Banking at https://bancadia.com/go/mercury/business-banking.

### Relay Business Checking — Relay Financial Technologies Inc.
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.

### Novo Business Checking — Novo Platform Inc.
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 — Highbeam, Inc.
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.

### Rho Business Checking Account — Under Technologies, Inc. DBA Rho Technologies
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.

### Karat Business Checking — Karat Financial Technologies Incorporated
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.

### Found Business Checking — Indie Technologies, Inc. dba Found
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.

### Bluevine Business Checking — Bluevine Capital Inc.
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.

### CITIBUSINESS Streamlined Checking — Citibank, N.A.
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.

## Frequently Asked Questions

### Which business checking accounts support FedNow?
Chase Business Complete Checking, Grasshopper Small Business Checking, and Found Business Checking support FedNow instant payments.

### Which banks support RTP Network for business accounts?
Ramp Business Checking Account and Chase Business Complete Checking support the RTP Network for business checking.

### Is there a free business checking account with instant payments?
Ramp Business Checking Account, Chase Business Complete Checking, Grasshopper Small Business Checking, and Found 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.

### Which business checking accounts do not support real-time payments?
Lili Business Checking, Mercury Business Banking, Relay Business Checking, Novo Business Checking, Highbeam Business Deposit Account, Rho Business Checking Account, Karat Business Checking, Bluevine Business Checking, and CITIBUSINESS Streamlined Checking do not currently support FedNow or the RTP Network, based on published data.

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As of 2026-08-09 — the earliest verification date among the products in this comparison that have been verified.