Compare Banks

Relay

Best business bank for cash flow management and Profit First accounting. The 20-account structure with auto-transfer rules makes budgeting automatic instead of manual. Free tier is genuinely useful, and the paid tiers add meaningful automation. No cash deposits and lower yields than Mercury are the trade-offs.

Mercury

Best digital-first business bank for companies that don't handle cash. Zero fees, free domestic and international wires, and a clean interface that makes every other bank feel like a government website. The Treasury account and IO credit card add real value. Just know that Mercury is not a bank itself, and account closures with frozen funds are a documented risk.