The Top 10 Top Banks For Small Businesses Providers in 2026

Relay, a financial technology firm, is carving out a niche for itself as a top choice for small businesses seeking complete control over their financial flow. While it is not an FDIC-insured bank, Relay's banking services are provided by Thread Bank, an FDIC member, ensuring a secure and reliable banking experience. It distinguishes itself with features such as no hidden fees, multiple payment methods, and an impressive APY of up to 2.68%. Its services also include up to 1.5% cash back on credit card spending and a staggering $3M FDIC insurance on deposits. As a testament to its performance, Relay has been lauded by industry leaders and small business owners alike for its ease of use and clarity in financial management.

Bluevine emerges as a compelling choice for small businesses seeking banking solutions. This financial technology company offers an integrated suite of services, including high-yield business checking accounts, business loans, and the ability to accept payments in various modes. One of its distinguishing features is the Tap to Pay option, which allows businesses to accept contactless payments straight from a phone-a handy tool in an increasingly cashless world. Bluevine's offerings also extend to global transactions, with the promise of international payments being processed in as fast as 24 hours. With its commitment to security and an impressive A+ rating from the Better Business Bureau, Bluevine positions itself as a solid and reliable banking solution for small businesses in the US.

Grasshopper Bank stands out as a top contender in the US banking sector for small businesses. As a digital-first institution, it offers a suite of robust banking solutions, including small business checking and savings accounts, venture capital and private equity services, and a range of lending options. Its innovative approach to banking is exemplified in its embedded finance, API banking, and banking-as-a-service (BaaS) offerings. Additionally, Grasshopper Bank's commitment to customer support and service is evident with its personalized assistance and a team of industry experts. Notably, the bank has been recognized with numerous awards, affirming its position as a leader in fintech innovation and the effective use of technology in business banking.

Fidelity Bank, a community-focused financial institution with over a century of experience, offers a comprehensive suite of services for small businesses in North Carolina, South Carolina, and Virginia. Their emphasis on customer-first, high-touch service shines, as evidenced by their impressive collection of over 1,600 five-star Google reviews. Recognized as the #1 Bank in North Carolina, Fidelity Bank provides a seamless, secure digital banking experience, allowing businesses to manage transactions, pay bills, and monitor their financial health on the go. They also offer specialized services such as Merchant Services, Cash Management, and SBA Lending, tailored to support the unique needs of small businesses. With a strong commitment to community involvement, Fidelity Bank fosters a positive impact both economically and socially, making it a top choice for small businesses seeking a banking partner.

Novo Banking sets itself apart as a leading contender in the arena of banks catering to small businesses in the US. Known for its flexibility and innovation, Novo offers a myriad of tools designed to empower businesses to thrive. From a checking account devoid of hidden fees to a credit card aimed at building business credit, Novo ensures businesses have the financial tools they need for success. Its AI-powered bookkeeping and real-time insights are particularly impressive, offering businesses a modern and intuitive approach to managing their finances. Additionally, Novo's commitment to community and education, demonstrated by its webinars and events, underscores its dedication to supporting small businesses. While it should be noted that Novo is a fintech and not a traditional bank, it collaborates with FDIC-member banks to ensure its customers' deposits are insured.

Lili, a dynamic online banking platform, presents itself as a compelling option for small businesses in the US. Its advanced banking features enable businesses to scale intelligently, maintain control, and expedite transactions with Express ACH, expedited check deposits, and both domestic and international wires. Lili's incorporation of a credit-building program, in partnership with Dun & Bradstreet, underlines its commitment to supporting business growth. The platform offers a unique blend of financial tools, including invoicing software, smart bookkeeping, and tax savings, which can streamline operations significantly. Additionally, Lili's high-yield savings accounts, which offer up to 4.00% APY, and $3M FDIC insurance, provide an added layer of financial security for its customers.

DCU, Digital Federal Credit Union, is a top choice for small businesses in the U.S., owing to its multitude of financial services. It recently merged with First Technology Federal Credit Union, promising to deliver even more value to its customers and the communities it serves. DCU offers a range of services including free business checking and business savings accounts. It also provides commercial loans such as commercial real estate loans, small business loans, and industrial loans. Furthermore, DCU offers a multitude of online calculators to help businesses make informed and educated financial decisions. With its technology-forward approach, DCU is an excellent banking choice for small businesses.

Amalgamated Bank, based in the U.S., presents a compelling proposition for small businesses seeking reliable and value-driven banking solutions. The bank offers a range of services under its Small Business Banking Solutions, including credit card offerings, treasury management, mobile banking, and fraud prevention. A standout feature is their commitment to social responsibility, offering investment options such as socially responsible investing and a fossil fuel free portfolio. The bank also displays a strong focus on customer service with the availability of live customer support. Additionally, their digital banking capabilities, including online banking, digital wallet, and Zelle(R) transfers, provide businesses with the flexibility to manage finances on the go.

In the bustling landscape of America's financial institutions, Community First Credit Union stands as one of the best top banks for small businesses. It is a beacon of hope for the entrepreneurial spirit, fostering growth and stability for those who dare to dream. As the eighth contender on this illustrious list, it holds its own, with a charm that's distinctively local yet a professionalism that's universally admired. It possesses a unique blend of a community-driven approach and world-class banking services, making it a vibrant financial partner for businesses, big and small. Its blend of personalized service and robust features make it a stand-out player in the financial arena.

SmallBusinessBank.com, a Kansas-based institution, has carved a niche for itself as a dedicated banking service provider for micro and small businesses across the US. What sets them apart is their commitment to personal attention, ensuring every customer, regardless of the size of their business, receives quality service. They offer free business checking accounts, tailored to suit different business needs, with no monthly maintenance fees or minimums, and the convenience of secure mobile banking. In addition, they provide Business High Yield Savings accounts, offering a competitive interest rate and FDIC insurance coverage up to $250,000. Their MasterCard MicroPayment Card offers a secure and convenient way for businesses to manage their cash flow and transactions. With an easy online sign-up process and robust customer support, SmallBusinessBank.com is proving to be a reliable banking partner for small businesses.