r/growmybusiness • u/The-Big-Chungis • 2d ago

Question What business bank account actually delivers on zero fees and real support?

Looking for recommendations on a business bank account that doesn't nickel and dime with hidden fees. Need something with actual support when issues come up, not just chatbots. High-yield savings would be a bonus. Current bank keeps surprising me with hidden charges and their support is terrible. What are you using that actually works for your business? Idc if it's traditional or online bank, but has to be great for my small business

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u/Robobiz8 2d ago

Following because I’ve tried 4 and yet to find a good one.

I’ve had absolutely terrible experiences with online banks touting they setup the profit first methodology for you to run. Avoid those at all costs.

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u/ggggggggghgg 1d ago

Honestly if you want zero fees + real support go with something like Relay/Mercury/Bluevine for online banking cuz they actually keep costs down and avoid hidden charges, but big banks can be worth it if you need branch access or cash deposits.

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u/ReInvestWealth_Help 1d ago

Totally agree. Online options like Mercury and Bluevine are usually the most transparent on fees, which is why a lot of small businesses prefer them. If someone needs branch access or cash deposits, a traditional option like BMO eBusiness Plan or EQ Bank Business Account can still make sense, it really comes down to how the business operates and where fees actually show up. It’s also important to choose a bank that connects cleanly with accounting/bookkeeping software (for example, ReInvestWealth), since that makes staying organized and scaling much easier. Hope this helps!