Verified as of 2026-11-11
Among the 13 business checking accounts Bancadia tracks, Bluevine Business Checking, Found Business Checking, Ramp Business Checking Account, Grasshopper Innovator Business Checking, and Highbeam Business Deposit Account pay interest directly on the checking balance; the remaining 8 do not. Bluevine Business Checking pays the highest published rate among interest-bearing accounts in this comparison, up to 3.30% APY (requires a paid plan — the default configuration earns 1.30%). This comparison reflects only whether Bancadia's data model marks the checking account itself as interest-bearing; some products may pay yield through a separate linked savings sub-account that isn't captured here.
| Product | Institution | Interest-Bearing Checking? | APY (up to) | Application URL | Apply |
|---|---|---|---|---|---|
| Bluevine Business Checking | Bluevine Capital Inc. | Yes | up to 3.30% | https://bancadia.com/go/bluevine/business-checking | Apply Now |
| Found Business Checking | Indie Technologies, Inc. dba Found | Yes | up to 2.50% | https://bancadia.com/go/found/online-business-checking | Apply Now |
| Ramp Business Checking Account | Ramp Business Corporation | Yes | up to 2.00% | https://bancadia.com/go/ramp/business-checking | Apply Now |
| Grasshopper Innovator Business Checking | Grasshopper Bancorp, Inc. | Yes | up to 1.35% | https://bancadia.com/go/grasshopper/small-business-checking | Apply Now |
| Highbeam Business Deposit Account | Highbeam, Inc. | Yes | up to 1.32% | https://bancadia.com/go/highbeam/business-checking | Apply Now |
| Karat Business Checking | Karat Financial Technologies Incorporated | No | N/A | https://bancadia.com/go/karat/business-checking | Apply Now |
| Mercury Business Banking | Mercury Technologies, Inc | No | N/A | https://bancadia.com/go/mercury/business-banking | Apply Now |
| Relay Business Checking | Relay Financial Technologies Inc. | No | N/A | https://bancadia.com/go/relay/business-checking | Apply Now |
| Rho Business Checking Account | Under Technologies, Inc. DBA Rho Technologies | No | N/A | https://bancadia.com/go/rho/business-checking | Apply Now |
| Novo Business Checking | Novo Platform Inc. | No | N/A | https://bancadia.com/go/novo/business-checking | Apply Now |
| Lili Business Checking | Lili App Inc. | No | N/A | https://bancadia.com/go/lili/business-checking | Apply Now |
| CITIBUSINESS Streamlined Checking | Citibank, N.A. | No | N/A | https://bancadia.com/go/citibank/streamlined-checking | Apply Now |
| Chase Business Complete Checking | JPMorgan Chase Bank, National Association | No | N/A | https://bancadia.com/go/jpmorgan-chase-bank/business-complete-checking | Apply Now |
Bluevine Business Checking is an interest-bearing business checking account. Bluevine Business Checking pays up to 3.30% APY on checking balances, but only 1.30% by default — the top rate requires a paid plan upgrade.
Apply for Bluevine Business Checking at https://bancadia.com/go/bluevine/business-checking.
Found Business Checking is an interest-bearing business checking account. Found Business Checking pays up to 2.50% APY on checking balances, but earns no interest under its default configuration — a paid plan upgrade is required to earn any of it.
Apply for Found Business Checking at https://bancadia.com/go/found/online-business-checking.
Ramp Business Checking Account is an interest-bearing business checking account. Ramp Business Checking Account pays 2.00% APY on checking balances by default, with no paid-plan upgrade required.
Apply for Ramp Business Checking Account at https://bancadia.com/go/ramp/business-checking.
Grasshopper Innovator Business Checking is an interest-bearing business checking account. Grasshopper Innovator Business Checking pays up to 1.35% APY on checking balances, but only 1.00% by default — the top rate requires a paid plan upgrade.
Apply for Grasshopper Innovator Business Checking at https://bancadia.com/go/grasshopper/small-business-checking.
Highbeam Business Deposit Account is an interest-bearing business checking account. Highbeam Business Deposit Account pays up to 1.32% APY on checking balances, but earns no interest under its default configuration — a paid plan upgrade is required to earn any of it.
Apply for Highbeam Business Deposit Account at https://bancadia.com/go/highbeam/business-checking.
Karat Business Checking is not an interest-bearing business checking account. Karat Business Checking does not pay interest on checking balances.
Apply for Karat Business Checking at https://bancadia.com/go/karat/business-checking.
Mercury Business Banking is not an interest-bearing business checking account. Mercury Business Banking does not pay interest on checking balances.
Apply for Mercury Business Banking at https://bancadia.com/go/mercury/business-banking.
Relay Business Checking is not an interest-bearing business checking account. Relay Business Checking does not pay interest on checking balances.
Apply for Relay Business Checking at https://bancadia.com/go/relay/business-checking.
Rho Business Checking Account is not an interest-bearing business checking account. Rho Business Checking Account does not pay interest on checking balances.
Apply for Rho Business Checking Account at https://bancadia.com/go/rho/business-checking.
Novo Business Checking is not an interest-bearing business checking account. Novo Business Checking does not pay interest on checking balances.
Apply for Novo Business Checking at https://bancadia.com/go/novo/business-checking.
Lili Business Checking is not an interest-bearing business checking account. Lili Business Checking does not pay interest on checking balances.
Apply for Lili Business Checking at https://bancadia.com/go/lili/business-checking.
CITIBUSINESS Streamlined Checking is not an interest-bearing business checking account. CITIBUSINESS Streamlined Checking does not pay interest on checking balances.
Apply for CITIBUSINESS Streamlined Checking at https://bancadia.com/go/citibank/streamlined-checking.
Chase Business Complete Checking is not an interest-bearing business checking account. Chase Business Complete Checking does not pay interest on checking balances.
Apply for Chase Business Complete Checking at https://bancadia.com/go/jpmorgan-chase-bank/business-complete-checking.
Bluevine Business Checking, Found Business Checking, Ramp Business Checking Account, Grasshopper Innovator Business Checking, and Highbeam Business Deposit Account pay interest directly on the checking account balance, based on Bancadia's data.
Bluevine Business Checking has the highest published APY among interest-bearing business checking accounts in this comparison, up to 3.30% (requires a paid plan — the default configuration earns 1.30%).
Bancadia's data model records whether the checking account itself is marked interest-bearing, and this comparison reflects only that. It does not currently track whether a product instead pays yield through a separate linked savings sub-account, so a "No" or "N/A" here does not rule out a linked-savings option offered alongside the checking account.
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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