Business banking for service businesses
Service businesses need a checking account that keeps tax money, payroll and expenses apart without monthly fees. Relay is free, has unlimited users and gives you up to 20 accounts for envelope budgeting, plus cash deposits via ATM. It offers no lending products, so look elsewhere if you want a loan or credit line from your bank.
Top picks for service businesses
All 12 banking tools, ranked for service businesses
| Tool | Fit for service business | Starts at | Pricing | Users | Integrations | |
|---|---|---|---|---|---|---|
 RelayRelay FinancialFit 85 | 85 | $0 | Free | Unlimited | QuickBooks Online, Xero | View |
 NovoNovoFit 85 | 85 | $0 | Free | Account owner plus cards | QuickBooks Online, Xero +1 | View |
 FoundFoundFit 85 | 85 | $0 | Free tier | 1 owner; team cards | Xero | View |
 LiliLiliFit 82 | 82 | $0 | Free tier | 1 owner | QuickBooks Online, Xero50+ listed | View |
 MercuryMercuryFit 80 | 80 | $0 | Free | Unlimited | QuickBooks Online, Xero +2 | View |
 RhoRhoFit 80 | 80 | $0 | Free | Unlimited | QuickBooks Online, Xero +1 | View |
 Grasshopper BankGrasshopper Bank, N.A.Fit 80 | 80 | $0 | Free | Multiple, with approval rules | QuickBooks Online | View |
 BluevineBluevineFit 75 | 75 | $0 | Free | Unlimited | QuickBooks Online, Xero | View |
 Bank of America Business AdvantageBank of AmericaFit 72 | 72 | $16 | Paid | Unlimited | QuickBooks Online, Xero | View |
 Chase Business Complete BankingJPMorgan ChaseFit 70 | 70 | $15 | Paid | Unlimited | Xero | View |
 EveryEveryFit 60 | 60 | $0 | Free tier | Unlimited | QuickBooks Online | View |
 Wise BusinessWiseFit 45 | 45 | $31 one-time setup | Paid | Multiple | QuickBooks Online, Xero +2 | View |
Banking for service businesses: questions
Which ones have a free plan?
Of the 10 that fit service businesses best, Relay, Novo, Found, Lili, Mercury, Rho, Grasshopper Bank 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 service businesses, 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.