Business bank charges, struck to nil
A schedule rather than a sales page. Part 1 sets out the charges that the term “no-fee business banking” strikes out. Part 2 sets out the charges it leaves standing - which is where the difference between one account and the next actually lives.
The amounts are on the pages for each account, read from the provider’s own published pricing and dated.
Nil below means the charge line is removed by the term itself: an account that levies it is not a no-fee account and is out of scope for this publication.* It is a definition of the category, not a statement about any particular provider. Lines marked † are open: they are not settled by the term, and they vary from one account to the next.
Part 1 - Lines struck by the term*
Part 2 - Lines left standing†
The essentials
The pages that do the most work
Is Your Money Safe? Deposit Insurance and Fee-Free Fintech Accounts (2026)
Are online-only business banks safe for keeping my company's money?
Read the guide ExplainerWhat Does a No-Fee Business Account Actually Cost?
What should I look for when choosing a business bank account?
Read the explainer ShortlistBusiness Bank Accounts With No Monthly Fees (2026)
Which banks have no monthly fees for small business checking?
Read it How-toHow to Switch to a No-Fee Business Account Without Disruption (2026)
How do I switch my business banking from one bank to another?
Follow the steps ShortlistBest No-Fee Business Checking for a One-Person Business (2026)
What's the best online business bank for freelancers?
Read it Head to headNovo vs Bluevine on Fees (2026)
Which banks have no monthly fees for small business checking?
Read itSchedule B - Matters published
The lines of Schedule A, taken up clause by clause: which accounts carry a nil monthly charge, what they still charge for, and how to move to one.
Fee-free business checking, account by account
Novo, Mercury, Bluevine, Relay, Found and others with a nil monthly tier, shortlisted for different kinds of business.
Business Bank Accounts With No Monthly Fees · Best No-Fee Checking for a One-Person Business · No-Fee Accounts That Still Pay Interest · Taking Payments and Holding Cash With No Monthly Fee
What each account charges for once the monthly fee is gone
One account on its own, or two side by side.
Novo Business Checking Review · Novo vs Bluevine on Fees · Relay vs Mercury · Found vs Lili · Axos Bank vs Novo
Reading a business account fee schedule
What a nil monthly tier does and does not settle: transactions, cash handling and wires can still be priced separately.
A fintech account against a bank business account
What is given up for a nil monthly charge, such as branch cash handling and lending under one roof, and how deposit insurance applies to an app-based account.
Alternatives to a Big-Bank Business Account · Is Your Money Safe?
Moving to a no-fee account
Switching a business from one account to another without disruption.
How to Switch to a No-Fee Business Account Without Disruption
Glossary of charge lines, and common questions
Plain definitions of business banking fee terms, and short answers to common questions.
Business Banking Fee Terms, Explained · No-Fee Business Banking: Common Questions
Covered in detail in No-Fee Accounts That Still Pay Interest, Business Bank Accounts With No Monthly Fees and Novo Business Checking Review.
Schedule C - Basis of preparation
How to read a business account’s charges, and how amounts and orderings are handled in Schedule B.
Begin at Part 2, not at the headline
A nil monthly charge settles one line of twelve. An account is priced on the lines underneath it, and those are the lines that differ.
Match the lines to how the money actually moves
Wires, cash, payments abroad. The only charge that matters is one the business will incur; the rest is somebody else’s schedule.
Every figure carries its authority
Published charges are revised without notice. Amounts on this site come from the provider’s own published pricing and carry the date they were read.
An order of preference is an argument, not a measurement
Where accounts are placed in an order, the order is stated in words with the reasoning on the page. No account on this site is given a score.
Reading below the headline charge is worked through in What Does a No-Fee Business Account Actually Cost?
Notes to the schedules
Referenced by mark from the lines above. They qualify the schedules and are part of them.
On the meaning of NIL
NIL in Part 1 states what the term “no-fee” is taken to mean on this site. It defines the category this publication covers. It is not a finding about any named provider, and it is not a representation that a particular account levies nothing on that line.
On the lines marked with a dagger
Part 2 is not settled by the term. Those charges may still be levied by an account that advertises no monthly fee, and they differ from one account to the next, which is why they read varies by account rather than carrying an amount.
On figures, scores and rankings
Amounts published on this site are read from a provider’s own published pricing and dated. No score, rating, star count or ranking tier is published at all.
On affiliate arrangements
Some links on this site earn a commission. That does not decide which accounts are covered or the order in which they appear, and it is disclosed on every page it applies to.
Everything here