Business banking for online stores
An online store needs a checking account that works well online, since it rarely handles cash. Mercury is free, charges no fees and has clean software with an API. It takes no cash deposits and is not a chartered bank; Novo is another free option with no minimums and good app integrations.
Top picks for online stores
All 12 banking tools, ranked for online stores
| Tool | Fit for online store | Starts at | Pricing | Users | Integrations | |
|---|---|---|---|---|---|---|
 MercuryMercuryFit 90 | 90 | $0 | Free | Unlimited | QuickBooks Online, Xero +2 | View |
 NovoNovoFit 82 | 82 | $0 | Free | Account owner plus cards | QuickBooks Online, Xero +1 | View |
 RhoRhoFit 82 | 82 | $0 | Free | Unlimited | QuickBooks Online, Xero +1 | View |
 Grasshopper BankGrasshopper Bank, N.A.Fit 72 | 72 | $0 | Free | Multiple, with approval rules | QuickBooks Online | View |
 RelayRelay FinancialFit 70 | 70 | $0 | Free | Unlimited | QuickBooks Online, Xero | View |
 BluevineBluevineFit 65 | 65 | $0 | Free | Unlimited | QuickBooks Online, Xero | View |
 Wise BusinessWiseFit 65 | 65 | $31 one-time setup | Paid | Multiple | QuickBooks Online, Xero +2 | View |
 EveryEveryFit 60 | 60 | $0 | Free tier | Unlimited | QuickBooks Online | View |
 LiliLiliFit 55 | 55 | $0 | Free tier | 1 owner | QuickBooks Online, Xero50+ listed | View |
 FoundFoundFit 50 | 50 | $0 | Free tier | 1 owner; team cards | Xero | View |
 Chase Business Complete BankingJPMorgan ChaseFit 50 | 50 | $15 | Paid | Unlimited | Xero | View |
 Bank of America Business AdvantageBank of AmericaFit 50 | 50 | $16 | Paid | Unlimited | QuickBooks Online, Xero | View |
Banking for online stores: questions
Which ones have a free plan?
Of the 5 that fit online stores best, Mercury, Novo, Rho, Grasshopper Bank and Relay have a free plan. Check the limits on each tool page; most cap users, volume or features.
How are these ranked?
Each tool has a fit score from 0 to 100 for online stores, based on what it is built for and who its features serve. We list tools scoring 70 or more as strong fits, then break ties by the monthly price for a team of six. Partner links never change the order. How we calculate prices.