Rho vs Bank of America Business Advantage

Two banking tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	RhoRho	Bank of America Business AdvantageBank of America
In one line	Free checking with no-fee wires, cards, and bill pay	Branch checking with the first year free
Starting price	Free	From $16/mo
Six-person team	$0/mo	$16/mo
Plans	No monthly or per-user fees; free ACH, same-day ACH, and domestic wires; international payments 1% FX fee + optional $15 SWIFT fee; savings up to 1.00% APY from a $25K balance	Fundamentals: $0 for 12 months, then $16/mo unless you keep a $5,000 combined average balance, spend $500/mo on the debit card, or join Preferred Rewards; Relationship: $29.95/mo or $0 with waivers
Pricing model	Free	Paid
Free trial	—	—
Users	Unlimited	Unlimited
Both connect to	QuickBooks Online, Xero
Also connects to	Puzzle	No others on record
Team size	2–10 people · 11–50 people · 51–200 people	Just me · 2–10 people · 11–50 people
Available in	US	US
Phone support	Every plan	Plans not stated
Live chat	Every plan	None listed
Support hours	Phone: 24/7 · Email: 24/7 · Live chat: 24/7	Phone: Mon–Fri 7 a.m.–11 p.m. ET; Sat 8 a.m.–8 p.m. ET
Incidents posted	1 incident posted on Rho's status page in the 90 days to Oct 27, 2026; 1 marked major or critical by Rho. Status page	We found no public status page for Bank of America.
Capterra score	5.0 / 5 from 2 reviews (few reviews)	Not listed
Trustpilot score	4.2 / 5 from 41 reviews	Not listed
Fit: Retail shop	45	82
Fit: Restaurant or café	35	80
Fit: Service business	80	72
Fit: Agency or studio	88	55
Fit: Trades or contractor	50	75
Fit: Online store	82	50
Why people pick it	Free domestic wires and same-day ACH Cards, bill pay, and expenses in one account	First year free Large branch network
Where it falls short	No cash deposits No interest on checking or on savings under $25K	$16 fee after a year unless waived Low interest
	Visit Rho ↗	Visit Bank of America Business Advantage ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices