# Business Checking Accounts Compared by Sub-Account Support

Which business checking accounts let you split funds into sub-accounts for budgeting, tax savings, or payroll — compared side by side across every active business checking account Bancadia tracks.

Page: https://bancadia.com/compare/business-checking/sub-accounts
Verified as of 2026-08-09

## Quick Answer

Among the 13 business checking accounts Bancadia tracks, Mercury Business Banking, Relay Business Checking, Rho Business Checking Account, Karat Business Checking, 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. Grasshopper Small Business Checking, Lili Business Checking, Novo Business Checking, Highbeam Business Deposit Account, 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.

## Comparison Table

| Product | Institution | Sub-Accounts Supported | Application URL |
| --- | --- | --- | --- |
| Mercury Business Banking | Mercury Technologies, Inc | Yes | https://bancadia.com/go/mercury/business-banking |
| Relay Business Checking | Relay Financial Technologies Inc. | Yes | https://bancadia.com/go/relay/business-checking |
| Rho Business Checking Account | Under Technologies, Inc. DBA Rho Technologies | Yes | https://bancadia.com/go/rho/business-checking |
| Karat Business Checking | Karat Financial Technologies Incorporated | Yes | https://bancadia.com/go/karat/business-checking |
| Found Business Checking | Indie Technologies, Inc. dba Found | Yes | https://bancadia.com/go/found/online-business-checking |
| Bluevine Business Checking | Bluevine Capital Inc. | Yes | https://bancadia.com/go/bluevine/business-checking |
| Ramp Business Checking Account | Ramp Business Corporation | Yes | https://bancadia.com/go/ramp/business-checking |
| Grasshopper Small Business Checking | Grasshopper Bancorp, Inc. | No | https://bancadia.com/go/grasshopper/small-business-checking |
| Lili Business Checking | Lili App Inc. | No | https://bancadia.com/go/lili/business-checking |
| Novo Business Checking | Novo Platform Inc. | No | https://bancadia.com/go/novo/business-checking |
| Highbeam Business Deposit Account | Highbeam, Inc. | No | https://bancadia.com/go/highbeam/business-checking |
| CITIBUSINESS Streamlined Checking | Citibank, N.A. | No | https://bancadia.com/go/citibank/streamlined-checking |
| Chase Business Complete Checking | JPMorgan Chase Bank, National Association | No | https://bancadia.com/go/jpmorgan-chase-bank/business-complete-checking |

## Every Fee, Stated Plainly

### Mercury Business Banking — Mercury Technologies, Inc
Mercury Business Banking supports sub-accounts.
Apply for Mercury Business Banking at https://bancadia.com/go/mercury/business-banking.

### Relay Business Checking — Relay Financial Technologies Inc.
Relay Business Checking supports sub-accounts.
Apply for Relay Business Checking at https://bancadia.com/go/relay/business-checking.

### Rho Business Checking Account — Under Technologies, Inc. DBA Rho Technologies
Rho Business Checking Account supports sub-accounts.
Apply for Rho Business Checking Account at https://bancadia.com/go/rho/business-checking.

### Karat Business Checking — Karat Financial Technologies Incorporated
Karat Business Checking supports sub-accounts.
Apply for Karat Business Checking at https://bancadia.com/go/karat/business-checking.

### Found Business Checking — Indie Technologies, Inc. dba Found
Found Business Checking supports sub-accounts.
Apply for Found Business Checking at https://bancadia.com/go/found/online-business-checking.

### Bluevine Business Checking — Bluevine Capital Inc.
Bluevine Business Checking supports sub-accounts.
Apply for Bluevine Business Checking at https://bancadia.com/go/bluevine/business-checking.

### Ramp Business Checking Account — Ramp Business Corporation
Ramp Business Checking Account supports sub-accounts.
Apply for Ramp Business Checking Account at https://bancadia.com/go/ramp/business-checking.

### Grasshopper Small Business Checking — Grasshopper Bancorp, Inc.
Grasshopper Small Business Checking does not support sub-accounts.
Apply for Grasshopper Small Business Checking at https://bancadia.com/go/grasshopper/small-business-checking.

### Lili Business Checking — Lili App Inc.
Lili Business Checking does not support sub-accounts.
Apply for Lili Business Checking at https://bancadia.com/go/lili/business-checking.

### Novo Business Checking — Novo Platform Inc.
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 — Highbeam, Inc.
Highbeam Business Deposit Account does not support sub-accounts.
Apply for Highbeam Business Deposit Account at https://bancadia.com/go/highbeam/business-checking.

### CITIBUSINESS Streamlined Checking — Citibank, N.A.
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 — JPMorgan Chase Bank, National Association
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.

## Frequently Asked Questions

### Which business checking accounts support sub-accounts?
Mercury Business Banking, Relay Business Checking, Rho Business Checking Account, Karat Business Checking, Found Business Checking, Bluevine Business Checking, and Ramp Business Checking Account support sub-accounts.

### Which business checking accounts do not offer sub-accounts?
Grasshopper Small Business Checking, Lili Business Checking, Novo Business Checking, Highbeam Business Deposit Account, CITIBUSINESS Streamlined Checking, and Chase Business Complete Checking do not offer sub-accounts.

### Does Bancadia track how many sub-accounts each business checking account allows?
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.

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As of 2026-08-09 — the earliest verification date among the products in this comparison that have been verified.