Business banking for restaurants and cafés
Restaurants and cafes handle cash, so a branch for deposits matters as much as card payments. Chase Business Complete Banking has branches for cash and card acceptance included, from $15/mo. The fee applies unless waived and teller transactions and cash deposits are capped; Bank of America Business Advantage waives its fee for the first year.
Top picks for restaurants and cafés
All 12 banking tools, ranked for restaurants and cafés
| Tool | Fit for restaurant or café | Starts at | Pricing | Users | Integrations | |
|---|---|---|---|---|---|---|
 Chase Business Complete BankingJPMorgan ChaseFit 85 | 85 | $15 | Paid | Unlimited | Xero | View |
 Bank of America Business AdvantageBank of AmericaFit 80 | 80 | $16 | Paid | Unlimited | QuickBooks Online, Xero | View |
 RelayRelay FinancialFit 75 | 75 | $0 | Free | Unlimited | QuickBooks Online, Xero | View |
 BluevineBluevineFit 65 | 65 | $0 | Free | Unlimited | QuickBooks Online, Xero | View |
 NovoNovoFit 45 | 45 | $0 | Free | Account owner plus cards | QuickBooks Online, Xero +1 | View |
 Grasshopper BankGrasshopper Bank, N.A.Fit 45 | 45 | $0 | Free | Multiple, with approval rules | QuickBooks Online | View |
 MercuryMercuryFit 40 | 40 | $0 | Free | Unlimited | QuickBooks Online, Xero +2 | View |
 RhoRhoFit 35 | 35 | $0 | Free | Unlimited | QuickBooks Online, Xero +1 | View |
 LiliLiliFit 30 | 30 | $0 | Free tier | 1 owner | QuickBooks Online, Xero50+ listed | View |
 EveryEveryFit 25 | 25 | $0 | Free tier | Unlimited | QuickBooks Online | View |
 FoundFoundFit 25 | 25 | $0 | Free tier | 1 owner; team cards | Xero | View |
 Wise BusinessWiseFit 15 | 15 | $31 one-time setup | Paid | Multiple | QuickBooks Online, Xero +2 | View |
Banking for restaurants and cafés: questions
Which ones have a free plan?
Of the 3 that fit restaurants and cafés best, Relay has a free plan. Check its limits on the tool page; most cap users, volume or features.
How are these ranked?
Each tool has a fit score from 0 to 100 for restaurants and cafés, 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.