Verified as of 2026-11-11
11 of the business checking accounts Bancadia tracks have a $0 base monthly fee. Of those, Relay Business Checking, Found Business Checking, Bluevine Business Checking, and Lili Business Checking both accept nonprofit organizations and support cash deposits. Mercury Business Banking and Ramp Business Checking Account charge $0 for outgoing international wires despite having no monthly fee.
| Product | Institution | Overdraft | Cash Deposits | Nonprofit Eligible | Instant Payments | Intl. Wire Out | Application URL | Apply |
|---|---|---|---|---|---|---|---|---|
| Karat Business Checking | Karat Financial Technologies Incorporated | $0 | Accepted | No | Not supported | $40 | https://bancadia.com/go/karat/business-checking | Apply Now |
| Mercury Business Banking | Mercury Technologies, Inc | $0 | Not supported | No | Supported | $0 | https://bancadia.com/go/mercury/business-banking | Apply Now |
| Relay Business Checking | Relay Financial Technologies Inc. | $0 | Accepted | Yes | Not supported | $5 | https://bancadia.com/go/relay/business-checking | Apply Now |
| Rho Business Checking Account | Under Technologies, Inc. DBA Rho Technologies | $0 | Not supported | No | Not supported | $15 | https://bancadia.com/go/rho/business-checking | Apply Now |
| Found Business Checking | Indie Technologies, Inc. dba Found | $0 | Accepted | Yes | Supported | Not published | https://bancadia.com/go/found/online-business-checking | Apply Now |
| Novo Business Checking | Novo Platform Inc. | $0 | Not supported | Yes | Not supported | Not published | https://bancadia.com/go/novo/business-checking | Apply Now |
| Highbeam Business Deposit Account | Highbeam, Inc. | $0 | Accepted | No | Not supported | $20 | https://bancadia.com/go/highbeam/business-checking | Apply Now |
| Bluevine Business Checking | Bluevine Capital Inc. | $0 | Accepted | Yes | Not supported | $25 | https://bancadia.com/go/bluevine/business-checking | Apply Now |
| Lili Business Checking | Lili App Inc. | $0 | Accepted | Yes | Not supported | $25 | https://bancadia.com/go/lili/business-checking | Apply Now |
| Ramp Business Checking Account | Ramp Business Corporation | $0 | Not supported | Yes | Supported | $0 | https://bancadia.com/go/ramp/business-checking | Apply Now |
| Grasshopper Innovator Business Checking | Grasshopper Bancorp, Inc. | Not published | Not supported | No | Supported | $25 | https://bancadia.com/go/grasshopper/small-business-checking | Apply Now |
Karat Business Checking (no monthly fee) has an overdraft fee of $0. Karat Business Checking (no monthly fee) — cash deposits: Accepted. Karat Business Checking (no monthly fee) accepts nonprofit organizations: No. Karat Business Checking (no monthly fee) — instant payment rail (FedNow/RTP): Not supported. Karat Business Checking (no monthly fee) charges $40 for outgoing international wires.
Apply for Karat Business Checking at https://bancadia.com/go/karat/business-checking.
Mercury Business Banking (no monthly fee) has an overdraft fee of $0. Mercury Business Banking (no monthly fee) — cash deposits: Not supported. Mercury Business Banking (no monthly fee) accepts nonprofit organizations: No. Mercury Business Banking (no monthly fee) — instant payment rail (FedNow/RTP): Supported. Mercury Business Banking (no monthly fee) charges $0 for outgoing international wires.
Apply for Mercury Business Banking at https://bancadia.com/go/mercury/business-banking.
Relay Business Checking (no monthly fee) has an overdraft fee of $0. Relay Business Checking (no monthly fee) — cash deposits: Accepted. Relay Business Checking (no monthly fee) accepts nonprofit organizations: Yes. Relay Business Checking (no monthly fee) — instant payment rail (FedNow/RTP): Not supported. Relay Business Checking (no monthly fee) charges $5 for outgoing international wires.
Apply for Relay Business Checking at https://bancadia.com/go/relay/business-checking.
Rho Business Checking Account (no monthly fee) has an overdraft fee of $0. Rho Business Checking Account (no monthly fee) — cash deposits: Not supported. Rho Business Checking Account (no monthly fee) accepts nonprofit organizations: No. Rho Business Checking Account (no monthly fee) — instant payment rail (FedNow/RTP): Not supported. Rho Business Checking Account (no monthly fee) charges $15 for outgoing international wires.
Apply for Rho Business Checking Account at https://bancadia.com/go/rho/business-checking.
Found Business Checking (no monthly fee) has an overdraft fee of $0. Found Business Checking (no monthly fee) — cash deposits: Accepted. Found Business Checking (no monthly fee) accepts nonprofit organizations: Yes. Found Business Checking (no monthly fee) — instant payment rail (FedNow/RTP): Supported. Found Business Checking (no monthly fee) charges Not published for outgoing international wires.
Apply for Found Business Checking at https://bancadia.com/go/found/online-business-checking.
Novo Business Checking (no monthly fee) has an overdraft fee of $0. Novo Business Checking (no monthly fee) — cash deposits: Not supported. Novo Business Checking (no monthly fee) accepts nonprofit organizations: Yes. Novo Business Checking (no monthly fee) — instant payment rail (FedNow/RTP): Not supported. Novo Business Checking (no monthly fee) charges Not published for outgoing international wires.
Apply for Novo Business Checking at https://bancadia.com/go/novo/business-checking.
Highbeam Business Deposit Account (no monthly fee) has an overdraft fee of $0. Highbeam Business Deposit Account (no monthly fee) — cash deposits: Accepted. Highbeam Business Deposit Account (no monthly fee) accepts nonprofit organizations: No. Highbeam Business Deposit Account (no monthly fee) — instant payment rail (FedNow/RTP): Not supported. Highbeam Business Deposit Account (no monthly fee) charges $20 for outgoing international wires.
Apply for Highbeam Business Deposit Account at https://bancadia.com/go/highbeam/business-checking.
Bluevine Business Checking (no monthly fee) has an overdraft fee of $0. Bluevine Business Checking (no monthly fee) — cash deposits: Accepted. Bluevine Business Checking (no monthly fee) accepts nonprofit organizations: Yes. Bluevine Business Checking (no monthly fee) — instant payment rail (FedNow/RTP): Not supported. Bluevine Business Checking (no monthly fee) charges $25 for outgoing international wires.
Apply for Bluevine Business Checking at https://bancadia.com/go/bluevine/business-checking.
Lili Business Checking (no monthly fee) has an overdraft fee of $0. Lili Business Checking (no monthly fee) — cash deposits: Accepted. Lili Business Checking (no monthly fee) accepts nonprofit organizations: Yes. Lili Business Checking (no monthly fee) — instant payment rail (FedNow/RTP): Not supported. Lili Business Checking (no monthly fee) charges $25 for outgoing international wires.
Apply for Lili Business Checking at https://bancadia.com/go/lili/business-checking.
Ramp Business Checking Account (no monthly fee) has an overdraft fee of $0. Ramp Business Checking Account (no monthly fee) — cash deposits: Not supported. Ramp Business Checking Account (no monthly fee) accepts nonprofit organizations: Yes. Ramp Business Checking Account (no monthly fee) — instant payment rail (FedNow/RTP): Supported. Ramp Business Checking Account (no monthly fee) charges $0 for outgoing international wires.
Apply for Ramp Business Checking Account at https://bancadia.com/go/ramp/business-checking.
Grasshopper Innovator Business Checking (no monthly fee) has an overdraft fee of Not published. Grasshopper Innovator Business Checking (no monthly fee) — cash deposits: Not supported. Grasshopper Innovator Business Checking (no monthly fee) accepts nonprofit organizations: No. Grasshopper Innovator Business Checking (no monthly fee) — instant payment rail (FedNow/RTP): Supported. Grasshopper Innovator Business Checking (no monthly fee) charges $25 for outgoing international wires.
Apply for Grasshopper Innovator Business Checking at https://bancadia.com/go/grasshopper/small-business-checking.
Karat Business Checking, Mercury Business Banking, Relay Business Checking, Rho Business Checking Account, Found Business Checking, Novo Business Checking, Highbeam Business Deposit Account, Bluevine Business Checking, Lili Business Checking, Ramp Business Checking Account, and Grasshopper Innovator Business Checking all have a $0 base monthly fee among the accounts Bancadia tracks.
Relay Business Checking, Found Business Checking, Bluevine Business Checking, and Lili Business Checking have no monthly fee, accept nonprofit organizations, and support cash deposits.
Mercury Business Banking and Ramp Business Checking Account have a $0 monthly fee and charge $0 for outgoing international wires.
Karat Business Checking, Mercury Business Banking, Relay Business Checking, Rho Business Checking Account, Found Business Checking, Novo Business Checking, Highbeam Business Deposit Account, Bluevine Business Checking, Lili Business Checking, and Ramp Business Checking Account charge $0 for both the monthly fee and overdrafts.
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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