Each provider lists the bookkeeping tools it connects to on its own integrations page, which is the place to confirm QuickBooks Online or Xero. What published pricing does show is the price of each account, how the money is insured, and the order of work for a seller who has not yet separated business and personal money: entity, EIN, a separate business account, then books, and ZenBusiness covers the first two before any account is chosen.
Which business bank accounts integrate well with bookkeeping software?
The answer depends on which software the books are kept in, and on which tier of the account includes the connection. Each provider sets out both on its own site. A seller should name the bookkeeping software in use, then confirm on the provider's own integrations page that it is supported, how transactions are fed in, and whether that sits on the free tier or a paid one.
Three questions are worth asking each provider. Does the connection cover the specific ledger in use? Does it bring in every transaction, or only a summary of payouts? And is the feed included in the tier being priced? For an online store with many small transactions, the second question matters most, because a summarized feed can leave the books needing manual reconciliation.
How do the accounts compare on price?
The table is alphabetical. It is not a ranking, and the order carries no preference. Figures were checked on each provider's own pricing page on 2026-10-06 and can change.
| Provider | Base tier | Higher tiers | Bookkeeping integrations |
|---|---|---|---|
| Bluevine | Standard, $0 per month | Plus $30, Premier $95 per month | See Bluevine's integrations page |
| Chase | Business Complete Banking, $15 per month | Performance $40, Platinum $95 per month | See Chase's integrations page |
| Found | Free, $0 | Plus $35 per month or $315 per year; Pro $80 per month or $720 per year | See Found's integrations page |
| Mercury | $0 per month | Plus $29.90, Pro $299 per month | See Mercury's integrations page |
| Novo | $0 per month | None listed | See Novo's integrations page |
| Relay | Starter, $0 per month | Grow $30, Scale $90 per month | See Relay's integrations page |
| Wise | No monthly fee | Pay per transaction | See Wise's integrations page |
Integration lists change often, so the provider's own integrations page is where to confirm the current one.
Where does each provider fit?
The entries below are alphabetical, and the "best for" lines are editorial judgement, not a ranking.
Bluevine: Standard is $0 per month, Plus is $30 and Premier is $95, with the Plus and Premier fees waivable. The APY is 1.3% on Standard, subject to a monthly activity goal, 1.75% on Plus and 3.0% on Premier. Best for a seller who keeps balances between inventory purchases and wants interest, after confirming the ledger connection.
Chase: Business Complete Banking is $15 per month, Performance Business Checking is $40 and Platinum Business Checking is $95, and each fee is waivable on stated balance or activity conditions. Best for a seller who wants a branch-backed bank and expects to meet a waiver condition. It is the one entry here with a base fee above $0, so it is the better answer only where a branch or a waiver fits.
Found: Free is $0, Plus is $35 per month or $315 per year, and Pro is $80 per month or $720 per year. Best for a solo seller who wants to start free and add a paid plan later.
Mercury: The base tier is $0 per month, Plus is $29.90 and Pro is $299. Best for a seller who expects to stay on the base tier, since the top tier is a large step.
Novo: $0 per month, with no monthly fee. Best for a seller who wants one flat answer and will confirm the ledger connection on Novo's own pages.
Relay: Starter is $0 per month, Grow is $30 and Scale is $90. Best for a seller who wants an even, modest ladder of paid steps.
Wise: No monthly fee, free registration, and a one-time 31 USD fee that opens the full business feature set. Wise charges per transaction instead of a subscription, with sending and conversion fees from 0.23% depending on currency. Best for a seller who ships internationally and cares most about currency costs.
Is the money insured?
Where the money sits matters as much as the feed. The FDIC states that the deposit accounts of a corporation, partnership, or unincorporated association are insured for up to $250,000. All accounts held by the same entity at one insured bank are combined, so separate accounts for different stores or purposes do not get separate coverage.
The FDIC also says that nonbank companies are never themselves FDIC-insured. Funds sent to a nonbank are not eligible for FDIC insurance until the company deposits them in an FDIC-insured bank and other conditions are met. Deposit insurance does not protect against the insolvency or bankruptcy of a nonbank company, and recovery then runs through a proceeding that may take some time.
Each provider explains how it holds customer funds, including any partner banks, in its own disclosures, which should be read before relying on an account.
Why does the account come before the books?
Bookkeeping software can only reflect clean books if the account feeding it holds business money alone. The SBA says that keeping personal and business funds completely separate requires two different bank accounts. It frames the separation as a liability question: failing to separate risks forfeiting the legal protections that entity structures offer, and separation is pivotal for protecting your own assets and credit.
The IRS makes the same point in Publication 583, saying one of the first things to do when starting a business is open a business checking account and keep it separate from the personal one. For a store that has not formed an entity yet, the entity and EIN come first. ZenBusiness covers that stage, including formation, the EIN and a registered agent, along with a free accounting consultation for customers who form with it. It does not offer business banking, so it sits before the choice of account rather than within it.
What does a bank ask for at opening?
Requirements vary by bank. Bank of America, for example, asks for the business name and address, state of formation, an EIN or SSN, and the date established. It also asks for SSN and date of birth for everyone on the application, including those with at least 25% or more ownership.
It may request the Articles of Organization or an equivalent, and trade name documentation where the business operates under a different name, which matters for a store trading under a brand name. It does not list an operating agreement as required. Other providers set their own lists.
What should be checked before choosing?
Name the bookkeeping software in use and confirm it is on the provider's integrations page. Confirm whether the feed brings in every transaction or a summary. Confirm which tier includes the connection and what that tier costs. Then read where the provider holds deposits.
No account here is automatically best for every store. The deciding factor is whether the ledger already in use is supported at a tier worth paying for, and each provider's own pages are where that is stated.
Sources
- Federal Deposit Insurance Corporation, "Deposit Insurance for Corporation, Partnership and Unincorporated Association Accounts"
- Federal Deposit Insurance Corporation, "Banking with Third-Party Apps"
- U.S. Small Business Administration, "5 Ways to Separate Your Personal and Business Finances"
- Internal Revenue Service, "Publication 583, Starting a Business and Keeping Records"
This is general information, not legal, tax or accounting advice, and requirements vary and change.