Business banking for retail shops
A shop handles cash as well as cards, so it needs a branch for deposits and a way to accept payments. Chase Business Complete Banking includes card acceptance and branches for cash, from $15/mo. The fee applies unless waived and teller and cash transactions are capped; Bank of America Business Advantage has its first year free.
Top picks for retail shops
All 12 banking tools, ranked for retail shops
| Tool | Fit for retail shop | Starts at | Pricing | Users | Integrations | |
|---|---|---|---|---|---|---|
 Chase Business Complete BankingJPMorgan ChaseFit 85 | 85 | $15 | Paid | Unlimited | Xero | View |
 Bank of America Business AdvantageBank of AmericaFit 82 | 82 | $16 | Paid | Unlimited | QuickBooks Online, Xero | View |
 RelayRelay FinancialFit 75 | 75 | $0 | Free | Unlimited | QuickBooks Online, Xero | View |
 BluevineBluevineFit 70 | 70 | $0 | Free | Unlimited | QuickBooks Online, Xero | View |
 NovoNovoFit 55 | 55 | $0 | Free | Account owner plus cards | QuickBooks Online, Xero +1 | View |
 Grasshopper BankGrasshopper Bank, N.A.Fit 55 | 55 | $0 | Free | Multiple, with approval rules | QuickBooks Online | View |
 MercuryMercuryFit 50 | 50 | $0 | Free | Unlimited | QuickBooks Online, Xero +2 | View |
 RhoRhoFit 45 | 45 | $0 | Free | Unlimited | QuickBooks Online, Xero +1 | View |
 LiliLiliFit 40 | 40 | $0 | Free tier | 1 owner | QuickBooks Online, Xero50+ listed | View |
 FoundFoundFit 35 | 35 | $0 | Free tier | 1 owner; team cards | Xero | View |
 EveryEveryFit 30 | 30 | $0 | Free tier | Unlimited | QuickBooks Online | View |
 Wise BusinessWiseFit 25 | 25 | $31 one-time setup | Paid | Multiple | QuickBooks Online, Xero +2 | View |
Banking for retail shops: questions
Which ones have a free plan?
Of the 4 that fit retail shops best, Relay and Bluevine 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 retail shops, 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.