Managing a growing business requires a reliable and feature-rich business checking account. For entrepreneurs and companies handling large volumes of transactions or seeking exclusive banking benefits, premium business checking accounts offer the ideal solution. These accounts go beyond basic services, offering higher transaction limits, dedicated support, advanced integrations, and often, earnings credits.
In this guide, we’ll explore the best premium business checking accounts for 2025, including their features, fees, and who they’re best suited for.
What Is a Premium Business Checking Account?
A premium business checking account is a high-tier banking product designed for medium to large businesses or high-volume small businesses. These accounts typically offer:
- Higher monthly transaction limits
- Lower or waived fees with qualifying balances
- Earnings credit to offset service charges
- Access to cash management tools
- Dedicated business banking support
- Enhanced integrations with accounting and payroll systems
While monthly fees are common, they can often be waived by maintaining a specific balance.
Who Needs a Premium Business Checking Account?
Premium accounts are ideal for:
| Business Type | Why It’s a Fit |
|---|---|
| Mid-sized businesses | High transaction volumes, vendor needs |
| Professional service firms | Requires wire transfers, ACH payments |
| Startups with funding | Needs scalable, advanced features |
| E-commerce businesses | Payment processor and app integrations |
| Multi-location companies | Nationwide access, treasury management |
If your business processes over 200–300 transactions a month or maintains balances over $10,000, a premium account may save money and offer better service than a basic checking option.
Best Premium Business Checking Accounts in 2025
1. Chase Platinum Business Checking℠
Best for: Large businesses seeking nationwide support
Key Features:
- 500 free monthly transactions
- $25,000 in cash deposits per month without fees
- Dedicated business relationship manager
- Incoming wires at no charge
- Online and mobile banking with Zelle® for Business
Monthly Fee: $95 (waived with $100,000 combined business balances)
Why Choose Chase:
With over 4,700 branches and a robust digital platform, Chase is excellent for established businesses that need in-person service and high cash handling capacity.
2. Bank of America Business Advantage Relationship Banking
Best for: Businesses needing strong integrations and cash flow tools
Key Features:
- QuickBooks & ADP Payroll integration
- Fraud protection and cash flow monitoring tools
- 500 free transactions per month
- No fee for incoming wires
- Optional business credit card tied to account
Monthly Fee: $29.95 (waived with $15,000 minimum balance)
Why Choose Bank of America:
BofA stands out for digital tools, treasury support, and relationship rewards for clients who use multiple services like lending or merchant services.
3. Wells Fargo Prime Business Checking
Best for: Custom treasury management and financing options
Key Features:
- 250 free monthly transactions
- Business Bill Pay, desktop deposit
- Custom merchant and payroll services
- Ability to connect to corporate treasury systems
Monthly Fee: $75 (can be offset with earnings credit)
Why Choose Wells Fargo:
Great for companies with complex banking needs, multiple locations, or custom financing requirements. Wells Fargo offers personal service with a large footprint.
4. Bluevine Business Checking Premium
Best for: Digital-first businesses and startups
Key Features:
- 2.0% APY on balances up to $250,000
- No monthly fee (Premium add-on available)
- Unlimited transactions
- Integration with Stripe, PayPal, and QuickBooks
- Dedicated account manager (Premium)
Monthly Fee: $95 (only for Premium upgrade)
Why Choose Bluevine:
Bluevine offers one of the few interest-bearing business accounts with strong fintech integrations. It’s ideal for growing online businesses or startups that don’t need physical branches.
5. Axos Bank Business Interest Checking
Best for: Earning interest on high balances
Key Features:
- 1.01% APY on balances up to $50,000
- Free domestic incoming wires
- 50 free items per month (then $0.50 per item)
- Online banking and remote check deposit
Monthly Fee: $10 (waived with $5,000 balance)
Why Choose Axos:
A fully digital bank with a strong reputation for business services. Perfect for digital-native businesses looking to grow idle cash while keeping costs low.
Comparison Table: Premium Business Checking Accounts
| Bank | Fee (Monthly) | Free Transactions | APY Offered | Best For |
|---|---|---|---|---|
| Chase Platinum | $95 (waivable) | 500 | No | Large businesses with in-person needs |
| BofA Advantage | $29.95 | 500 | No | Integrated banking tools |
| Wells Fargo Prime | $75 | 250 | No (Earnings Cr.) | Treasury and financing needs |
| Bluevine Premium | $95 | Unlimited | 2.0% | Fintech-savvy, digital-first companies |
| Axos Business Interest | $10 (waivable) | 50 | 1.01% | Small firms wanting to earn interest |
Key Features to Look for in a Premium Business Account
When comparing premium business checking options, focus on these factors:
- Transaction Limits – Ensure it matches your monthly volume
- Wire Transfers – Look for free incoming/outgoing wires if you use them
- Integrations – Compatibility with payroll, invoicing, and accounting tools
- Cash Deposit Limits – Important for retail or physical businesses
- Support – Access to a relationship manager or 24/7 service
- Earnings Credit Rate – Offsets service charges if you keep high balances
Final Thoughts
A premium business checking account can make a big difference in how efficiently your business handles day-to-day banking. Whether you prioritize high transaction capacity, low fees, digital integration, or earning interest, there’s an option tailored to your needs.
Chase and Bank of America are great for traditional businesses, Bluevine for digital-first companies, and Axos for small firms with idle cash.
Before choosing, compare fees, required balances, features, and support to ensure your premium account is truly an upgrade—not just a pricier version of basic checking.