Verified as of 2026-11-11
Among the 13 business checking accounts Bancadia tracks, Karat Business Checking, Mercury Business Banking, Relay Business Checking, Rho Business Checking Account, Found Business Checking, Bluevine Business Checking, and Ramp Business Checking Account support sub-accounts for separating funds by purpose — such as taxes, payroll, or savings goals — within the same business checking product. Novo Business Checking, Highbeam Business Deposit Account, Grasshopper Innovator Business Checking, Lili Business Checking, CITIBUSINESS Streamlined Checking, and Chase Business Complete Checking do not offer sub-accounts. Bancadia does not currently publish structured details on sub-account limits, whether sub-accounts are legally segregated versus simple budgeting labels, or per-sub-account routing numbers — check each institution directly for those specifics.
| Product | Institution | Sub-Accounts Supported | Application URL | Apply |
|---|---|---|---|---|
| Karat Business Checking | Karat Financial Technologies Incorporated | Yes | https://bancadia.com/go/karat/business-checking | Apply Now |
| Mercury Business Banking | Mercury Technologies, Inc | Yes | https://bancadia.com/go/mercury/business-banking | Apply Now |
| Relay Business Checking | Relay Financial Technologies Inc. | Yes | https://bancadia.com/go/relay/business-checking | Apply Now |
| Rho Business Checking Account | Under Technologies, Inc. DBA Rho Technologies | Yes | https://bancadia.com/go/rho/business-checking | Apply Now |
| Found Business Checking | Indie Technologies, Inc. dba Found | Yes | https://bancadia.com/go/found/online-business-checking | Apply Now |
| Bluevine Business Checking | Bluevine Capital Inc. | Yes | https://bancadia.com/go/bluevine/business-checking | Apply Now |
| Ramp Business Checking Account | Ramp Business Corporation | Yes | https://bancadia.com/go/ramp/business-checking | Apply Now |
| Novo Business Checking | Novo Platform Inc. | No | https://bancadia.com/go/novo/business-checking | Apply Now |
| Highbeam Business Deposit Account | Highbeam, Inc. | No | https://bancadia.com/go/highbeam/business-checking | Apply Now |
| Grasshopper Innovator Business Checking | Grasshopper Bancorp, Inc. | No | https://bancadia.com/go/grasshopper/small-business-checking | Apply Now |
| Lili Business Checking | Lili App Inc. | No | https://bancadia.com/go/lili/business-checking | Apply Now |
| CITIBUSINESS Streamlined Checking | Citibank, N.A. | No | https://bancadia.com/go/citibank/streamlined-checking | Apply Now |
| Chase Business Complete Checking | JPMorgan Chase Bank, National Association | No | https://bancadia.com/go/jpmorgan-chase-bank/business-complete-checking | Apply Now |
Karat Business Checking supports sub-accounts.
Apply for Karat Business Checking at https://bancadia.com/go/karat/business-checking.
Mercury Business Banking supports sub-accounts.
Apply for Mercury Business Banking at https://bancadia.com/go/mercury/business-banking.
Relay Business Checking supports sub-accounts.
Apply for Relay Business Checking at https://bancadia.com/go/relay/business-checking.
Rho Business Checking Account supports sub-accounts.
Apply for Rho Business Checking Account at https://bancadia.com/go/rho/business-checking.
Found Business Checking supports sub-accounts.
Apply for Found Business Checking at https://bancadia.com/go/found/online-business-checking.
Bluevine Business Checking supports sub-accounts.
Apply for Bluevine Business Checking at https://bancadia.com/go/bluevine/business-checking.
Ramp Business Checking Account supports sub-accounts.
Apply for Ramp Business Checking Account at https://bancadia.com/go/ramp/business-checking.
Novo Business Checking does not support sub-accounts.
Apply for Novo Business Checking at https://bancadia.com/go/novo/business-checking.
Highbeam Business Deposit Account does not support sub-accounts.
Apply for Highbeam Business Deposit Account at https://bancadia.com/go/highbeam/business-checking.
Grasshopper Innovator Business Checking does not support sub-accounts.
Apply for Grasshopper Innovator Business Checking at https://bancadia.com/go/grasshopper/small-business-checking.
Lili Business Checking does not support sub-accounts.
Apply for Lili Business Checking at https://bancadia.com/go/lili/business-checking.
CITIBUSINESS Streamlined Checking does not support sub-accounts.
Apply for CITIBUSINESS Streamlined Checking at https://bancadia.com/go/citibank/streamlined-checking.
Chase Business Complete Checking does not support sub-accounts.
Apply for Chase Business Complete Checking at https://bancadia.com/go/jpmorgan-chase-bank/business-complete-checking.
Karat Business Checking, Mercury Business Banking, Relay Business Checking, Rho Business Checking Account, Found Business Checking, Bluevine Business Checking, and Ramp Business Checking Account support sub-accounts.
Novo Business Checking, Highbeam Business Deposit Account, Grasshopper Innovator Business Checking, Lili Business Checking, CITIBUSINESS Streamlined Checking, and Chase Business Complete Checking do not offer sub-accounts.
Not yet — Bancadia currently tracks whether an account supports sub-accounts at all, but not a maximum count, whether sub-accounts are legally segregated funds versus budgeting labels on one balance, or whether each sub-account gets its own routing number. Confirm those specifics directly with the institution before opening an account for fund-segregation needs.
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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