BUSINESS CHECKING & SAVINGS

Find banking that deserves
your business.

You’re building something great. Let SoFi’s marketplace help you find a
checking account that could take your business to even greater levels.

See options

SoFi's marketplace is owned and operated by SoFi Lending Corp. Expand for Advertising Disclosures.


Great businesses deserve banking to match.


American Express® Business Checking Accounts offered by American Express National Bank. Member FDIC.

✓ Earn 1.30% APY on balances up to $500,000 as of 10/12/2022
✓ No monthly fees or minimum opening deposit.
✓ Earn 30K MR® points after qualified activities. Terms Apply.

Get started at American Express®See terms

Novo Small Business Banking Novo is a fintech company; not a bank. Deposit account services provided by Middlesex Federal Savings, F.A., Member FDIC. Physical and virtual debit cards issued by Patriot Bank, pursuant to licenses from Mastercard® International Incorporated. Mastercard can be used everywhere Mastercard is accepted. Mastercard is a registered trademark of Mastercard International Incorporated.

✓ No monthly fees, or required minimum balance
✓ Award-winning digital solution with unlimited, customizable invoices built right into your account
✓ Automated budgeting, AI-powered bookkeeping, available working capital, & integrated business tools

Get started at NovoSee terms

Relay Business Banking Relay is not associated with SoFi’s Relay service. Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank. Member FDIC. The Relay Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. The Relay Visa Credit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc and may be used everywhere Visa credit cards are accepted.

✓ Simplify cash flow management with up to 20 free checking accounts
✓ No monthly fees or minimum balances
✓ Earn $200 when you fund your Relay account with $1,000

Get started at RelaySee terms

Bluevine Business Banking

✓ Earn up to 3.7% APY on balances up to $3,000,000 as of 1/6/2025. Fees may apply, see details.
✓ Unlimited transactions, no overdraft fees, and no fees on ACH payments or incoming wires
✓ Get up to $3 million in FDIC insurance—that’s up to 12x the national average

Get started at BluevineSee terms

Bluevine is a financial technology company, not a bank. Bluevine deposits are FDIC-insured through
Coastal Community Bank, Member FDIC, and our program banks.

American Express® Business Checking Accounts offered by American Express National Bank. Member FDIC.

✓ Earn 1.30% APY on balances up to $500,000.
✓ No monthly fees or minimum opening deposit.
✓ Earn 30K MR® points after qualified activities. Terms Apply.

Get started at American Express®

See terms

Novo Small Business Banking Novo is a fintech company; not a bank. Deposit account services provided by Middlesex Federal Savings, F.A., Member FDIC. Physical and virtual debit cards issued by Patriot Bank, pursuant to licenses from Mastercard® International Incorporated. Mastercard can be used everywhere Mastercard is accepted. Mastercard is a registered trademark of Mastercard International Incorporated.

✓ No monthly fees, or required minimum balance
✓ Award-winning digital solution with unlimited, customizable invoices built right into your account
✓ Automated budgeting, AI-powered bookkeeping, available working capital, & integrated business tools

Get started at Novo

See terms.

Relay Business Checking Relay is not associated with SoFi’s Relay service. Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank. Member FDIC. The Relay Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. The Relay Visa Credit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc and may be used everywhere Visa credit cards are accepted.

✓ Simplify cash flow management with up to 20 free checking accounts
✓ No monthly fees or minimum balances
✓ Earn $200 when you fund your Relay account with $1,000

Get started at Relay

See terms

Bluevine Business Banking

✓ Earn up to 3.7% APY on balances up to $3,000,000 as of 1/6/2025. Fees may apply, see details.
✓ Unlimited transactions, no overdraft fees, and no fees on ACH payments or incoming wires
✓ Get up to $3 million in FDIC insurance—that’s up to 12x the national average

Get started at Bluevine

See terms

Bluevine is a financial technology company, not a bank. Bluevine deposits are FDIC-insured through
Coastal Community Bank, Member FDIC, and our program banks.

Clicking on the “Get started” links will direct you to the listed provider site. SoFi will no longer be your host and is not responsible for content provided by third-party sites. Please note that you are subject to the destination site’s Privacy Policy and Terms & Conditions.

Why separate business banking from personal?

Get a clear picture of business expenses and income.

Make everyday business management simpler. And find documents to help with tax-time deductions.

Let employees access business financials, but not personal. Plus, business and personal assets at the same bank are separately protected by FDIC insurance.

Lenders may require you to have a business bank account or provide bank documents of your revenue and expenses.

What do you need to open a business checking account?

It’s always a good idea to prepare the typical information business checking providers require, such as:

Taxpayer Identification Number (TIN)

'Doing Business As' (DBA) certificate

Annual revenue

Social Security number, date of birth, and current address

Company structure

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