Best Business Savings Account 2026
Business savings accounts keep operating reserves earning interest between expenses. Look for competitive APY, easy transfers to business checking, and business-friendly features.
🏆 Top Pick
Mercury
4.00%+ APYBest for startups and tech companies. Mercury Treasury automatically sweeps idle cash into T-bills earning 4%+. Built for startups with FDIC coverage up to $5M through partner banks.
4%+ on Treasury$5M FDICStartup-focusedNo feesAPI access
🥈 Runner Up
Bluevine
2.00% APYBusiness checking that earns interest. Earn 2.00% APY on balances up to $250K in your business checking account. No separate savings account needed. FDIC insured.
2.00% APY on checking$250K capNo separate savingsFDIC insuredNo fees
💡 Also Great
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Relay
1.00-3.00% APYBest sub-accounts for business budgeting. Create up to 20 checking accounts for different business purposes (taxes, payroll, marketing). Profit First methodology built in.
20 sub-accountsProfit First1-3% APYNo feesFDIC insured
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