Verified as of 2026-08-09
Of the business checking accounts Bancadia tracks, 4 publish more than one pricing tier: Lili Business Checking, Relay Business Checking, Karat Business Checking, and Bluevine Business Checking. For example, upgrading from Bluevine Business Checking's Standard plan to its Premier plan costs an extra $95/mo, raising the APY from 1.30% to 3.00%.
| Plan | Monthly Fee | APY | Fee Waiver Condition | APY Condition |
|---|---|---|---|---|
| Lili CoreDefault | $0/mo | N/A | None | — |
| Lili Pro | $15/mo | N/A | None | — |
| Lili Smart | $35/mo | N/A | None | — |
| Lili Premium | $55/mo | N/A | None | — |
Lili Business Checking's Lili Core plan costs $0/mo.
Lili Business Checking's Lili Pro plan costs $15/mo.
Lili Business Checking's Lili Smart plan costs $35/mo.
Lili Business Checking's Lili Premium plan costs $55/mo.
| Plan | Monthly Fee | APY | Fee Waiver Condition | APY Condition |
|---|---|---|---|---|
| StarterDefault | $0/mo | N/A | None | — |
| Grow | $30/mo | N/A | None | — |
| Scale | $90/mo | N/A | None | — |
Relay Business Checking's Starter plan costs $0/mo.
Relay Business Checking's Grow plan costs $30/mo.
Relay Business Checking's Scale plan costs $90/mo.
| Plan | Monthly Fee | APY | Fee Waiver Condition | APY Condition |
|---|---|---|---|---|
| Karat BasicDefault | $0/mo | 0.00% | None | None |
| Karat Premium | $20/mo | 1.75% | Waived if the account maintains an average monthly balance of $35,000 (deposit_agreement.pdf Fee Schedule), or if the accountholder agrees to any active and applicable promotional discount Karat is running at the time (deposit_agreement.pdf, §1.2). | This yield is a variable promotional "Bank Account Reward" funded solely by Karat, not interest paid by the FDIC-insured bank. The rate equals the upper limit of the Federal Open Market Committee's federal funds rate target range, minus 80 basis points, multiplied by 59%, and may change as the federal funds rate changes. Rewards compound daily and are credited monthly by the 15th of each month using the daily balance method. |
Karat Business Checking's Karat Basic plan costs $0/mo, earning 0.00% APY.
Karat Business Checking's Karat Premium plan costs $20/mo (Fee waiver: Waived if the account maintains an average monthly balance of $35,000 (deposit_agreement.pdf Fee Schedule), or if the accountholder agrees to any active and applicable promotional discount Karat is running at the time (deposit_agreement.pdf, §1.2).), earning 1.75% APY (This yield is a variable promotional "Bank Account Reward" funded solely by Karat, not interest paid by the FDIC-insured bank. The rate equals the upper limit of the Federal Open Market Committee's federal funds rate target range, minus 80 basis points, multiplied by 59%, and may change as the federal funds rate changes. Rewards compound daily and are credited monthly by the 15th of each month using the daily balance method.).
| Plan | Monthly Fee | APY | Fee Waiver Condition | APY Condition |
|---|---|---|---|---|
| StandardDefault | $0/mo | 1.30% | None | Spend $500/month on Bluevine Business Debit Mastercard OR receive $2,500/month in deposits to checking or sub-accounts |
| Plus | $30/mo | 1.75% | Waived each billing period by maintaining an average daily balance of at least $20,000 in Bluevine Business Checking and/or sub-accounts AND spending at least $2,000 on the Bluevine Business Debit Mastercard or Bluevine Business Cashback Mastercard. | None |
| Premier | $95/mo | 3.00% | Waived each billing period by maintaining an average daily balance of at least $100,000 in Bluevine Business Checking and/or sub-accounts AND spending at least $5,000 on the Bluevine Business Debit Mastercard. | None |
Bluevine Business Checking's Standard plan costs $0/mo, earning 1.30% APY (Spend $500/month on Bluevine Business Debit Mastercard OR receive $2,500/month in deposits to checking or sub-accounts) up to $250,000.
Bluevine Business Checking's Plus plan costs $30/mo (Fee waiver: Waived each billing period by maintaining an average daily balance of at least $20,000 in Bluevine Business Checking and/or sub-accounts AND spending at least $2,000 on the Bluevine Business Debit Mastercard or Bluevine Business Cashback Mastercard.), earning 1.75% APY up to $250,000.
Bluevine Business Checking's Premier plan costs $95/mo (Fee waiver: Waived each billing period by maintaining an average daily balance of at least $100,000 in Bluevine Business Checking and/or sub-accounts AND spending at least $5,000 on the Bluevine Business Debit Mastercard.), earning 3.00% APY.
Lili Business Checking, Relay Business Checking, Karat Business Checking, and Bluevine Business Checking each publish more than one pricing tier. Every other active business checking account Bancadia tracks has a single, flat pricing structure.
Upgrading from Lili Business Checking's Lili Core plan to its Lili Premium plan costs an extra $55/mo ($0 to $55). Whether that's worth it depends on the account's typical balance and transaction volume — see the plan comparison table above for the full breakdown.
Upgrading from Relay Business Checking's Starter plan to its Scale plan costs an extra $90/mo ($0 to $90). Whether that's worth it depends on the account's typical balance and transaction volume — see the plan comparison table above for the full breakdown.
Upgrading from Karat Business Checking's Karat Basic plan to its Karat Premium plan costs an extra $20/mo ($0 to $20) and raises the APY from 0.00% to 1.75%. Fee waiver: Waived if the account maintains an average monthly balance of $35,000 (deposit_agreement.pdf Fee Schedule), or if the accountholder agrees to any active and applicable promotional discount Karat is running at the time (deposit_agreement.pdf, §1.2). Whether that's worth it depends on the account's typical balance and transaction volume — see the plan comparison table above for the full breakdown.
Upgrading from Bluevine Business Checking's Standard plan to its Premier plan costs an extra $95/mo ($0 to $95) and raises the APY from 1.30% to 3.00%. Fee waiver: Waived each billing period by maintaining an average daily balance of at least $100,000 in Bluevine Business Checking and/or sub-accounts AND spending at least $5,000 on the Bluevine Business Debit Mastercard. Whether that's worth it depends on the account's typical balance and transaction volume — see the plan comparison table above for the full breakdown.
As of 2026-08-09 — the earliest verification date among the products in this comparison that have been verified. Markdown version.
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