# Business Checking Accounts Compared by Interest-Bearing Status and APY Whether each active business checking account Bancadia tracks pays interest directly on the checking balance, and the highest published APY, compared side by side. Reflects only Bancadia's data model for the checking account itself — some products may pay yield through a separate linked savings sub-account not captured here. Page: https://bancadia.com/compare/business-checking/interest-bearing-checking Verified as of 2026-08-09 ## Quick Answer Among the 13 business checking accounts Bancadia tracks, Bluevine Business Checking, Ramp Business Checking Account, Karat Business Checking, Grasshopper Small 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 3.00% APY. 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. ## Comparison Table | Product | Institution | Interest-Bearing Checking? | APY (up to) | Application URL | | --- | --- | --- | --- | --- | | Bluevine Business Checking | Bluevine Capital Inc. | Yes | up to 3.00% | https://bancadia.com/go/bluevine/business-checking | | Ramp Business Checking Account | Ramp Business Corporation | Yes | up to 2.00% | https://bancadia.com/go/ramp/business-checking | | Karat Business Checking | Karat Financial Technologies Incorporated | Yes | up to 1.75% | https://bancadia.com/go/karat/business-checking | | Grasshopper Small Business Checking | Grasshopper Bancorp, Inc. | Yes | up to 1.30% | https://bancadia.com/go/grasshopper/small-business-checking | | Highbeam Business Deposit Account | Highbeam, Inc. | Yes | up to 1.23% | https://bancadia.com/go/highbeam/business-checking | | Lili Business Checking | Lili App Inc. | No | N/A | https://bancadia.com/go/lili/business-checking | | Mercury Business Banking | Mercury Technologies, Inc | No | N/A | https://bancadia.com/go/mercury/business-banking | | Relay Business Checking | Relay Financial Technologies Inc. | No | N/A | https://bancadia.com/go/relay/business-checking | | Novo Business Checking | Novo Platform Inc. | No | N/A | https://bancadia.com/go/novo/business-checking | | Rho Business Checking Account | Under Technologies, Inc. DBA Rho Technologies | No | N/A | https://bancadia.com/go/rho/business-checking | | Found Business Checking | Indie Technologies, Inc. dba Found | No | N/A | https://bancadia.com/go/found/online-business-checking | | CITIBUSINESS Streamlined Checking | Citibank, N.A. | No | N/A | https://bancadia.com/go/citibank/streamlined-checking | | Chase Business Complete Checking | JPMorgan Chase Bank, National Association | No | N/A | https://bancadia.com/go/jpmorgan-chase-bank/business-complete-checking | ## Every Fee, Stated Plainly ### Bluevine Business Checking — Bluevine Capital Inc. Bluevine Business Checking is an interest-bearing business checking account. Bluevine Business Checking pays up to 3.00% APY on checking balances. Apply for Bluevine Business Checking at https://bancadia.com/go/bluevine/business-checking. ### Ramp Business Checking Account — Ramp Business Corporation Ramp Business Checking Account is an interest-bearing business checking account. Ramp Business Checking Account pays up to 2.00% APY on checking balances. Apply for Ramp Business Checking Account at https://bancadia.com/go/ramp/business-checking. ### Karat Business Checking — Karat Financial Technologies Incorporated Karat Business Checking is an interest-bearing business checking account. Karat Business Checking pays up to 1.75% APY on checking balances. Apply for Karat Business Checking at https://bancadia.com/go/karat/business-checking. ### Grasshopper Small Business Checking — Grasshopper Bancorp, Inc. Grasshopper Small Business Checking is an interest-bearing business checking account. Grasshopper Small Business Checking pays up to 1.30% APY on checking balances. Apply for Grasshopper Small Business Checking at https://bancadia.com/go/grasshopper/small-business-checking. ### Highbeam Business Deposit Account — Highbeam, Inc. Highbeam Business Deposit Account is an interest-bearing business checking account. Highbeam Business Deposit Account pays up to 1.23% APY on checking balances. Apply for Highbeam Business Deposit Account at https://bancadia.com/go/highbeam/business-checking. ### Lili Business Checking — Lili App Inc. 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. ### Mercury Business Banking — Mercury Technologies, Inc 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 — Relay Financial Technologies Inc. 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. ### Novo Business Checking — Novo Platform Inc. 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. ### Rho Business Checking Account — Under Technologies, Inc. DBA Rho Technologies 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. ### Found Business Checking — Indie Technologies, Inc. dba Found Found Business Checking is not an interest-bearing business checking account. Found Business Checking does not pay interest on checking balances. Apply for Found Business Checking at https://bancadia.com/go/found/online-business-checking. ### CITIBUSINESS Streamlined Checking — Citibank, N.A. 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 — JPMorgan Chase Bank, National Association 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. ## Frequently Asked Questions ### Which business checking accounts earn interest? Bluevine Business Checking, Ramp Business Checking Account, Karat Business Checking, Grasshopper Small Business Checking, and Highbeam Business Deposit Account pay interest directly on the checking account balance, based on Bancadia's data. ### Which business checking account has the highest APY? Bluevine Business Checking has the highest published APY among interest-bearing business checking accounts in this comparison, up to 3.00%. ### Does business checking pay interest directly, or does the yield sit in a separate linked savings account? 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 2026-08-09 — the earliest verification date among the products in this comparison that have been verified.