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7 of the Best Fintech Banking Apps Designed for Business

Not all bank accounts are created equal.


Opening a business checking account is a top priority for small businesses. It can help increase your chances of getting financing, boost your legitimacy to lenders, streamline your cash flow management, and organize your finances and taxes.




Great For Sole Props & Single-Member LLCs

Lili Business Checking

Lili saves time and money to anyone who runs a business on their own, freelancers and small businesses alike, by combining a checking account with technology to save on taxes and built-in tools to streamline and simplify their accounting. Sole Proprietors, with or without DBA, and Single-Member LLCs eligible.


Great For Free ATM Access | Ecommerce and Retail

Novo offers powerfully simple business banking through their free checking account with debit card access, no hidden fees and zero minimum balance requirements.


Novo allows you to integrate with the business tools you already use, like Xero and Wise, and empowers you with a dashboard to see the financial health of your business at a glance.


You can apply for an account in under 10 minutes on any device so you can start managing your business finances all in one place and on the go.



Great For Checking Rates & Rewards

Axos Basic Business Checking

New business owners get a $200 welcome bonus with promo code NEWBIZ200. Not a new business? Use promo code NEWAXOSBIZ for a $100 bonus.


  • ADP Payroll Services - Axos clients receive 1st 4 months free.

  • Zero monthly maintenance fees.

  • Unlimited Transactions.

  • Unlimited domestic ATM fee reimbursements.

  • $0 Minimum Opening Deposit requirement.

  • 2 Free Domestic Wires, monthly.

  • Cash Deposit capability via MoneyPass and AllPoint networks


Great for Commercial Banking

CIT is a division of First Citizens Bank, the largest family-controlled bank in the United States, continuing a unique legacy of strength, stability and long-term thinking that has spanned generations.


Parent company, First Citizens BancShares, Inc. (NASDAQ: FCNCA) is a top 20 U.S. financial institution with more than $100 billion in assets. The company’s commercial banking segment brings a wide array of best-in-class lending, leasing and banking services to middle-market companies and small businesses from coast to coast.


First Citizens also operates a nationwide direct bank and a network of more than 600 branches in 22 states, many in high-growth markets. Industry specialists bring a depth of expertise that helps businesses and individuals meet their specific goals at every stage of their financial journey.



Great for Ecommerce and Retail

Quontic Bank is an innovative bank that began as Golden First Bank, a small, troubled bank purchased by real estate investor and developer Steven Schnall.


Headquartered in New York, Quontic offers certificates of deposit, and checking, savings and money market accounts.


In 2020, Quontic Bank made a splash by launching a bitcoin rewards checking account, which is available in most states.


Great for Small Businesses

The NorthOne business bank account is a worthwhile option for any small-business owner looking for an online business checking account. For a $10 monthly fee, NorthOne offers unlimited fee-free transactions, fee-free in-network ATM access and a variety of digital tools. For a limited time, get a $20 credit when you open and fund a new NorthOne Account. Rethink how you do banking and take your business to the next level.


No commitments, no minimum balance, cancel anytime.



Great for Sole Proprietors

Small business owners have enough hard work — banking should be easy.


That's why Nav created Nav Business Checking, tailored around the needs of sole proprietors, freelancers, and independent workers who run their businesses on their own or with a small team.


Nav Business Checking brings together banking, payments and more in one convenient place. Better yet, get unlimited transactions with no monthly fees, no minimum balance or spend, and no fees at 55,000+ in-network Allpoint ATMs.


Sign up today to gain valuable insights into your finances and set your business up for success.


Other offers by Nav



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