{"id":107,"date":"2025-02-19T13:11:14","date_gmt":"2025-02-19T13:11:14","guid":{"rendered":"https:\/\/www.techrepublic.com\/?p=4291691"},"modified":"2025-02-19T13:11:14","modified_gmt":"2025-02-19T13:11:14","slug":"8-best-bank-accounts-for-shopify-stores-in-2025","status":"publish","type":"post","link":"https:\/\/blog.tecnoartesanos.com\/index.php\/2025\/02\/19\/8-best-bank-accounts-for-shopify-stores-in-2025\/","title":{"rendered":"8 Best Bank Accounts for Shopify Stores in 2025"},"content":{"rendered":"<p>As a Shopify store owner, choosing the right financial provider is crucial for the smooth operation and growth of your business. It\u2019s important to select a bank that not only integrates seamlessly with Shopify but also offers minimal transaction fees and robust support for payment processing. As your business expands, opting for a bank with additional features, such as financing options and the ability to handle international transfers, becomes essential.<\/p>\n<p>Our list highlights both traditional banks and fintech companies, each offering key features and tools to help your Shopify store thrive.<\/p>\n<p>Here is the list of the eight best bank accounts for Shopify stores.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_bank_accounts_for_Shopify_stores_quick_comparison\"><\/span>Best bank accounts for Shopify stores quick comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Below is a summary of the top features I considered for the eight best bank accounts for Shopify stores.<\/p>\n<p> <!-- #tablepress-4159-no-2 from cache --> <\/p>\n<div class=\"listicle listicle-item\" id=\"u-s-bank-platinum-business-checking-best-overall-bank-account-for-shopify-stores\" readability=\"31.244701348748\">\n<h2>U.S. Bank Platinum Business Checking: Best overall bank account for Shopify Stores<\/h2>\n<p><strong>My rating: 4.23 out of 5<\/strong><\/p>\n<figure id=\"attachment_4291719\" aria-describedby=\"caption-attachment-4291719\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4291719 size-article-sm\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/us-bank-270x73.jpg\" alt=\"U.S. Bank logo.\" width=\"270\" height=\"73\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/us-bank-270x73.jpg 270w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/us-bank-50x14.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/us-bank.jpg 300w\" sizes=\"auto, (max-width: 270px) 100vw, 270px\"><figcaption id=\"caption-attachment-4291719\" class=\"wp-caption-text\">Image: U.S. Bank<\/figcaption><\/figure>\n<p>U.S. Bank <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-88d666523699\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-88d666523699\" class=\"trcom-info-content d-none sr-text\">Member FDIC.<\/span> <\/span> &nbsp;is a traditional bank offering business accounts online with three checking tiers. The Silver Business Checking has no monthly fees, 125 free transactions, and a $2,500 cash deposit allowance monthly. The Gold and Platinum accounts offer more transactions and higher deposit limits. U.S. Bank also provides savings products and lending solutions, including lines of credit, quick loans, and term loans, making it a flexible choice for businesses of all sizes.<\/p>\n<p>Read our <a href=\"https:\/\/www.techrepublic.com\/article\/us-bank-business-checking-review\/\">U.S. Bank business checking review<\/a> to learn more about its fees and features.<\/p>\n<h3>Why I chose it<\/h3>\n<p>U.S. Bank Platinum Business Checking is my top recommendation for the best business bank account for Shopify stores. With high fee-free transactions and cash deposit limits, it offers significant savings. The bank provides robust mobile and online banking tools to help you track transactions and manage bill payments. Additionally, you can use the free cash flow forecast tool to keep your finances in check and integrate with QuickBooks to easily manage bills and invoices.<\/p>\n<p>Earn a $500 bonus when you open a Silver Business Checking account or $900 when you open a Platinum Business Checking account online (promo code: Q1AFL25) and meet qualifying activities, subject to certain terms and limitations. The offer is valid through March 31, 2025. Member FDIC.<\/p>\n<h3>Monthly fees<\/h3>\n<ul>\n<li><strong>Silver Business Checking:<\/strong> $0<\/li>\n<li><strong>Gold Business Checking:<\/strong> $20; waivable by having any of these:\n<ul>\n<li>A U.S. Bank Payment Solutions Merchant Banking account<\/li>\n<li>$10,000 average collected balance<\/li>\n<li>$20,000 combined average collected business deposit balances<\/li>\n<li>$50,000 combined average collected business deposits and outstanding credit balances<\/li>\n<\/ul>\n<\/li>\n<li><strong>Platinum Business Checking:<\/strong> $30; waivable by having any of these:\n<ul>\n<li>A U.S. Bank Payment Solutions Merchant Banking account<\/li>\n<li>$25,000 average collected checking balance<\/li>\n<li>$75,000 combined average collected business deposits and outstanding credit balances<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>Cashflow tools<\/li>\n<li>QuickBooks and ADP integrations<\/li>\n<li>Overdraft protection<\/li>\n<li>In-person and online banking options<\/li>\n<li>High-yield money market accounts<\/li>\n<li>Check fraud prevention services<\/li>\n<li>Fee-free withdrawals at the MoneyPass network<\/li>\n<li>Small Business Administration (SBA) loans, lines of credit, and term loans<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4160-no-2\" class=\"tablepress tablepress-id-4160\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"2.5\">\n<tr class=\"row-2\" readability=\"5\">\n<td class=\"column-1\">\n<ul>\n<li>Up to $900 welcome offer<\/li>\n<li>No monthly fee for basic tier checking<\/li>\n<li>Free cash flow forecast tool<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Low interest for interest-bearing checking products<\/li>\n<li>Steep balance requirement to waive the monthly fees of high-tier accounts<\/li>\n<li>$100 initial deposit<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4160-no-2 from cache --> <\/p>\n<div class=\"listicle listicle-item\" id=\"mercury-business-checking-best-for-fee-free-wire-transfers-and-subaccounts\" readability=\"27.277936962751\">\n<h2>Mercury Business Checking: Best for fee-free wire transfers and subaccounts<\/h2>\n<p><strong>My rating: 4.20 out of 5<\/strong><\/p>\n<figure id=\"attachment_4291723\" aria-describedby=\"caption-attachment-4291723\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4291723 size-article-sm\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/mercury-1-270x81.jpg\" alt=\"Mercury logo.\" width=\"270\" height=\"81\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/mercury-1-270x81.jpg 270w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/mercury-1-50x15.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/mercury-1.jpg 300w\" sizes=\"auto, (max-width: 270px) 100vw, 270px\"><figcaption id=\"caption-attachment-4291723\" class=\"wp-caption-text\">Image: Mercury<\/figcaption><\/figure>\n<p>Mercury <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-9c1e4bdebd21\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-9c1e4bdebd21\" class=\"trcom-info-content d-none sr-text\">Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group and Evolve Bank &amp; Trust\u00ae\ufe0f; Members FDIC. Deposit insurance covers the failure of an insured bank.<\/span> <\/span> is an ideal fintech choice for Shopify entrepreneurs, offering a business checking account with no monthly fees, unlimited transactions, and seamless integrations with Shopify and QuickBooks. With FDIC coverage <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-79b6782f79e4\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-79b6782f79e4\" class=\"trcom-info-content d-none sr-text\">Mercury is a fintech company, not an FDIC-insured bank. Deposits in checking and savings accounts are held by our banking services partners, Choice Financial Group and Evolve Bank &amp; Trust\u00ae\ufe0f; Members FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through insurance to apply.<\/span> <\/span> &nbsp;of up to $5 million through partner banks, your funds are well-protected. As your business grows, you can upgrade to Mercury Plus or Pro for advanced automated accounting features.<\/p>\n<p>Check out our comprehensive <a href=\"https:\/\/www.techrepublic.com\/article\/mercury-bank-review\/\">Mercury business checking review<\/a> to learn if it suits your business needs.<\/p>\n<h3>Why I chose it<\/h3>\n<p>Mercury business checking is one of my best Shopify bank accounts, particularly those running global operations or frequently working with international suppliers. Its fee-free domestic and international wire transfers help you save on cross-border payments. Additionally, Mercury\u2019s 14 subaccounts make it easy to track customer payments and allocate funds for specific expenses like marketing and shipping. This level of organization and flexibility makes Mercury a top choice for eCommerce businesses.<\/p>\n<h3>Monthly fee<\/h3>\n<ul>\n<li><strong>Mercury Business Checking:<\/strong> $0<\/li>\n<\/ul><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>Physical and virtual debit cards<\/li>\n<li>QuickBooks, NetSuite, and Xero accounting software integration<\/li>\n<li>Compatible with Shopify, Stripe, Square, Zapier, Amazon, and PayPal payment processors<\/li>\n<li>IO corporate card has auto cash back rewards<\/li>\n<li>Savings account available<\/li>\n<li>Customized account access<\/li>\n<li>Advanced accounting automation is available under a subscription plan<\/li>\n<li>Mercury investor database<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4161-no-2\" class=\"tablepress tablepress-id-4161\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"4\">\n<tr class=\"row-2\" readability=\"8\">\n<td class=\"column-1\">\n<ul>\n<li>No opening deposit, minimum balance requirement, or monthly fee<\/li>\n<li>Fee-free wire transfers<\/li>\n<li>14 subaccounts<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>No cash deposit support<\/li>\n<li>Sole proprietorship and trust accounts cannot be opened<\/li>\n<li>Non-interest earning checking account<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4161-no-2 from cache --> <\/p>\n<div class=\"listicle listicle-item\" id=\"novo-business-checking-best-for-fee-free-ach-transfers-and-express-payments\" readability=\"32.075431034483\">\n<h2>Novo Business Checking: Best for fee-free ACH transfers and express payments <\/h2>\n<p><strong>My rating: 4.13 out of 5<\/strong><\/p>\n<figure id=\"attachment_4291729\" aria-describedby=\"caption-attachment-4291729\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4291729 size-article-sm\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/novo-1-270x70.jpg\" alt=\"Novo logo.\" width=\"270\" height=\"70\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/novo-1-270x70.jpg 270w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/novo-1-50x13.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/novo-1.jpg 300w\" sizes=\"auto, (max-width: 270px) 100vw, 270px\"><figcaption id=\"caption-attachment-4291729\" class=\"wp-caption-text\">Image: Novo<\/figcaption><\/figure>\n<p>Novo <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-7b23a96e0183\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-7b23a96e0183\" class=\"trcom-info-content d-none sr-text\">Provider is a fintech platform, not a bank. It provides FDIC insurance and deposit services through a partnership with Middlesex Federal Savings.<\/span> <\/span> , a fintech supporting Shopify stores, offers a business checking account with no monthly fees, unlimited transactions, and fee-free standard ACH transfers. Through its partnership with Wise, Novo allows you to send international payments at a low cost. You also enjoy up to $7 in monthly ATM fee refunds, applicable to both local and international debit card transactions. Additionally, Novo lets you access your Stripe payouts early, providing quicker access to your funds for better cash flow management.<\/p>\n<p>Read our <a href=\"https:\/\/www.techrepublic.com\/article\/novo-business-checking-review\/\">Novo business checking review<\/a> to discover its key features and pricing.<\/p>\n<h3>Why I chose it<\/h3>\n<p>I chose Novo business checking as one of the best business bank accounts for Shopify store owners due to its fee-free standard ACH transfers. If you\u2019re low on product inventory, Novo\u2019s express ACH feature lets you pay suppliers instantly, ensuring same-day payment. Additionally, Novo\u2019s Reserves tool helps you easily allocate funds for specific purposes, such as taxes, payroll, and future business purchases, allowing for better financial organization and planning.<\/p>\n<h3>Monthly fee<\/h3>\n<ul>\n<li><strong>Novo Business Checking:<\/strong> $0<\/li>\n<\/ul><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>Low-fee international payments through Wise partnership<\/li>\n<li>Built-in unlimited invoicing through the Novo app<\/li>\n<li>Multiple eCommerce integrations<\/li>\n<li>Compatible with QuickBooks, Xero, Zoho, FreshBooks, and Gusto<\/li>\n<li>Links with Zapier, Slack, Venmo, Cash App, and PayPal<\/li>\n<li>Physical and virtual debit cards<\/li>\n<li>No standard ACH fees or incoming wire fees<\/li>\n<li>Merchant cash advances (MCAs) financing up to $75,000 via Novo Funding<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4162-no-2\" class=\"tablepress tablepress-id-4162\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"2\">\n<tr class=\"row-2\" readability=\"4\">\n<td class=\"column-1\">\n<ul>\n<li>Up to $7 monthly ATM fee refunds<\/li>\n<li>No monthly fee<\/li>\n<li>No minimum balance requirement<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>No direct cash deposit support<\/li>\n<li>No interest earnings<\/li>\n<li>No business savings products<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4162-no-2 from cache --> <\/p>\n<div class=\"listicle listicle-item\" id=\"bluevine-standard-best-interest-earning-checking-account-with-international-payment-option\" readability=\"28.160714285714\">\n<h2>Bluevine Standard: Best interest-earning checking account with international payment option<\/h2>\n<p><strong>My rating: 4.11 out of 5<\/strong><\/p>\n<figure id=\"attachment_4291734\" aria-describedby=\"caption-attachment-4291734\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4291734 size-article-sm\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/bluevine-2-270x62.jpg\" alt=\"Bluevine logo.\" width=\"270\" height=\"62\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/bluevine-2-270x62.jpg 270w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/bluevine-2-50x12.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/bluevine-2.jpg 300w\" sizes=\"auto, (max-width: 270px) 100vw, 270px\"><figcaption id=\"caption-attachment-4291734\" class=\"wp-caption-text\">Image: Bluevine<\/figcaption><\/figure>\n<p>Bluevine\u24d8 is an outstanding digital financial provider offering three business checking options and a solid line of credit products. Its Bluevine Standard account provides an APY of 1.5% on qualifying balances up to $250,000. For higher-tier accounts, Bluevine Plus and Bluevine Premier, you can earn even higher yields of 2.7% and 3.7%, respectively. Additionally, Bluevine supports international payments, making it a great choice for high returns and efficient payments.<\/p>\n<p>Read our <a href=\"https:\/\/www.techrepublic.com\/article\/bluevine-business-checking-review\/\">Bluevine business checking review<\/a> to learn more about its features, fees, and benefits.<\/p>\n<h3>Why I chose it<\/h3>\n<p>I consider Bluevine Standard among the best bank accounts for Shopify store owners. It easily integrates with popular accounting and payment processing software, streamlining your financial management. Plus, Bluevine allows you to send payments to 32 countries in 15 currencies, ensuring your global Shopify store can pay suppliers quickly, with most payments processed within 24 hours. This makes it an excellent choice for businesses with international operations.<\/p>\n<h3>Monthly fees<\/h3>\n<ul>\n<li><strong>Bluevine Standard:<\/strong> $0<\/li>\n<li><strong>Bluevine Plus:<\/strong> $30; waivable by having:\n<ul>\n<li>An ADB of $20,000 across your Bluevine checking account, including subaccounts<\/li>\n<li>A spend of $2,000 monthly using your Bluevine debit card or credit card<\/li>\n<\/ul>\n<\/li>\n<li><strong>Bluevine Premier:<\/strong> $95; waivable by meeting:\n<ul>\n<li>An ADB of $100,000 across your Bluevine checking account, including subaccounts<\/li>\n<li>A spend of $5,000 monthly using your Bluevine debit card or credit card<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>Interest-earning checking accounts, including basic tier<\/li>\n<li>Compatible with QuickBooks, Xero, and Wave<\/li>\n<li>International payments to 32 countries in 15 currencies<\/li>\n<li>No incoming wire and standard ACH fees<\/li>\n<li>Lines of credit of up to $250,000 at low rates<\/li>\n<li>Business credit card with unlimited cashback and a $0 annual fee<\/li>\n<li>Five subaccounts with unique account numbers<\/li>\n<li>Priority customer support for Bluevine Premier clients<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4163-no-2\" class=\"tablepress tablepress-id-4163\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"2.5\">\n<tr class=\"row-2\" readability=\"5\">\n<td class=\"column-1\">\n<ul>\n<li>Three interest-bearing business checking options<\/li>\n<li>No minimum balance requirement or monthly fee for Bluevine Standard<\/li>\n<li>FDIC insurance of up to $3 million<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>No free cash deposits<\/li>\n<li>Charges $2.50 for non-network ATM use on top of operator surcharges<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4163-no-2 from cache --> <\/p>\n<h3>Features<\/h3>\n<ul>\n<li aria-level=\"1\">Tax tools for payment, auto-saving, and write-offs<\/li>\n<li aria-level=\"1\">Free and unlimited invoices<\/li>\n<li aria-level=\"1\">QuickBooks integration and built-in Found bookkeeping software<\/li>\n<li aria-level=\"1\">Payment integrations include PayPal, Cash App, Square, Stripe, and Venmo<\/li>\n<li aria-level=\"1\">No credit checks and ACH fees<\/li>\n<li aria-level=\"1\">No ATM fees since Found does not charge for ATM withdrawals <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-057f39460110\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-057f39460110\" class=\"trcom-info-content d-none sr-text\">Third-party operator fees may apply.<\/span> <\/span> <\/li>\n<li aria-level=\"1\">1.5% APY on balances up to $20,000 for Found Plus subscribers<\/li>\n<li aria-level=\"1\">Daily customer support<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4164-no-2\" class=\"tablepress tablepress-id-4164\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"3\">\n<tr class=\"row-2\" readability=\"6\">\n<td class=\"column-1\">\n<ul>\n<li>No required monthly fee or minimum balance for the basic tier<\/li>\n<li>Expense tracking with receipt capture<\/li>\n<li>Free integrated bookkeeping and tax tools<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>$2 cash deposit fee<\/li>\n<li>APY offered is exclusive to the paid tier, Found Plus<\/li>\n<li>No physical check support<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4164-no-2 from cache --> <\/p>\n<aside class=\"pinbox right\">\n<h3 class=\"heading\">More Banking Coverage<\/h3>\n<\/aside>\n<div class=\"listicle listicle-item\" id=\"chase-business-complete-checking-best-for-integrated-payment-solution-and-digital-invoicing\" readability=\"26.838058887677\">\n<h2>Chase Business Complete Checking<sup>\u00ae<\/sup>: Best for integrated payment solution and digital invoicing<\/h2>\n<p><strong>My rating: 3.99 out of 5<\/strong><\/p>\n<figure id=\"attachment_4291742\" aria-describedby=\"caption-attachment-4291742\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4291742 size-article-sm\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/chase-270x95.jpg\" alt=\"Chase logo.\" width=\"270\" height=\"95\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/chase-270x95.jpg 270w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/chase-50x18.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/chase.jpg 300w\" sizes=\"auto, (max-width: 270px) 100vw, 270px\"><figcaption id=\"caption-attachment-4291742\" class=\"wp-caption-text\">Image: Chase<\/figcaption><\/figure>\n<p>Chase\u24d8 is a reliable financial institution that offers three business checking accounts with waivable monthly service fees upon meeting certain criteria. It provides secure payment solutions, business credit cards, savings products, and lending options, including SBA loans and business lines of credit. With a vast branch network in 48 states, Chase makes it easy for business owners to access in-person banking services, like cash deposits, whenever needed.<\/p>\n<h3>Why I chose it<\/h3>\n<p>The Chase Business Complete Checking<sup>\u00ae<\/sup> account requires no opening deposit or minimum balance and offers unlimited debit card and Chase ATM transactions, plus a $5,000 monthly cash deposit allowance. You also get access to QuickAccept, a free payment processing service that lets you accept card payments from all major credit and debit cards. In addition, Shopify store owners can benefit from Chase\u2019s free digital invoicing feature, which is why I added Chase to my list of the best Shopify bank accounts.<\/p>\n<h3>Monthly fees<\/h3>\n<ul>\n<li><strong>Chase Business Complete Checking<sup>\u00ae<\/sup>:<\/strong> $15; waivable by having any of these:\n<ul>\n<li>$2,000 average daily balance<\/li>\n<li>$2,000 Chase Ink Business Cards spend<\/li>\n<li>$2,000 in deposits from Chase QuickAccept or other eligible Chase Payment Solutions transactions<\/li>\n<li>Chase Private Client Checking account<\/li>\n<li>Qualifying proof of military status<\/li>\n<\/ul>\n<\/li>\n<li><strong>Chase Performance Business Checking:<\/strong> $30; waivable by meeting a $35,000 or greater combined average daily balance (ADB) in qualifying business deposit accounts<\/li>\n<li><strong>Chase Platinum Business Checking:<\/strong> $95; waivable by meeting a $100,000 combined ADB across qualifying business deposit and investment accounts. With a linked Private Client Checking account, the required ADB is $50,000<\/li>\n<\/ul><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>Built-in card acceptance through its mobile app<\/li>\n<li>Invoicing service is included with the lowest-tier checking account<\/li>\n<li>$0 or $5 wire fees for outbound FX transactions facilitated online or via Chase\u2019s app<\/li>\n<li>Ability to send international wires in over 120 currencies to more than 160 countries<\/li>\n<li>Free associate and employee debit cards upon request<\/li>\n<li>Chase Bank QuickBooks integration<\/li>\n<li>Fraud protection services<\/li>\n<li>Online and branch customer support<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4165-no-2\" class=\"tablepress tablepress-id-4165\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"6.5\">\n<tr class=\"row-2\" readability=\"13\">\n<td class=\"column-1\">\n<ul>\n<li>$5,000 free cash deposits monthly for entry-level accounts<\/li>\n<li>Unlimited electronic <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-3f57a4d6eca2\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-3f57a4d6eca2\" class=\"trcom-info-content d-none sr-text\">Refers to electronic deposits and deposited items, ATM and ACH transactions, Chase QuickDeposit\u2120, debit card purchases, and internal transfers.<\/span> <\/span> transactions<\/li>\n<li>$500 cashback bonus for eligible accounts<\/li>\n<li>No required opening deposit or minimum balance<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>No interest earnings<\/li>\n<li>Only 20 fee-free paper transactions<\/li>\n<li>$3 ATM fee when using nonnetwork<\/li>\n<li>High balances to waive the monthly fees for premium checking accounts<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4165-no-2 from cache --> <\/p>\n<div class=\"listicle listicle-item\" id=\"lili-basic-best-for-built-in-expense-categorization-and-early-payments\" readability=\"29.172560113154\">\n<h2>Lili Basic: Best for built-in expense categorization and early payments<\/h2>\n<p><strong>My rating: 3.83 out of 5<\/strong><\/p>\n<figure id=\"attachment_4291746\" aria-describedby=\"caption-attachment-4291746\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4291746\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/lili.jpg\" alt=\"Lili logo.\" width=\"200\" height=\"124\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/lili.jpg 300w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/lili-50x31.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/lili-270x167.jpg 270w\" sizes=\"auto, (max-width: 200px) 100vw, 200px\"><figcaption id=\"caption-attachment-4291746\" class=\"wp-caption-text\">Image: Lili<\/figcaption><\/figure>\n<p>Lili <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-57f83c1cdd43\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-57f83c1cdd43\" class=\"trcom-info-content d-none sr-text\">Provider is a fintech platform; not a bank. It provides FDIC insurance and deposit services through a partnership with Sunrise Bank, N.A., Member FDIC.<\/span> <\/span> &nbsp;is a digital fintech offering a free business checking account (Lili Basic) and three paid plans (Lili Pro, Lili Smart, and Lili Premium). Under a paid subscription, you can get a high-yield savings account with 3.00% APY, expense management tools, and financial reports. Additionally, you can easily create professional invoices, manage unpaid ones, and set automatic reminders for clients, streamlining your business operations. See our <a href=\"https:\/\/www.techrepublic.com\/article\/lili-business-checking-review\/\">Lili business checking review<\/a> to discover its pros and cons.<\/p>\n<h3>Why I chose it<\/h3>\n<p>Lili Basic is a great option for Shopify store owners, offering built-in expense categorization and early payment access. This allows your funds to be available two days early. As your Shopify business grows, you can upgrade to advanced features and unlock a competitive savings rate. What really stands out to me is Lili\u2019s AI-powered accounting <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-5736714f952a\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-5736714f952a\" class=\"trcom-info-content d-none sr-text\">Lili AI is exclusive to Lili Smart and Lili Premium account holders only<\/span> <\/span> , which categorizes transactions automatically and generates financial reports, saving time and simplifying tax preparation.<\/p>\n<h3>Monthly fees<\/h3>\n<ul>\n<li><strong>Lili Basic:<\/strong> $0<\/li>\n<li><strong>Lili Pro:<\/strong> $9<\/li>\n<li><strong>Lili Smart:<\/strong> $21<\/li>\n<li><strong>Lili Premium:<\/strong> $33<\/li>\n<\/ul><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>Debit card cashback rewards<\/li>\n<li>Integrations with QuickBooks, Venmo, PayPal, CashApp, and more<\/li>\n<li>Unlimited invoice creation (Lili Smart and Lili Premium)<\/li>\n<li>Prefilled tax forms (Lili Smart and Lili Premium)<\/li>\n<li>Bookkeeping solutions (Lili Pro, Lili Smart, and Lili Premium)<\/li>\n<li>Send and receive payments in 25-plus countries<\/li>\n<li>Lili AI Accountant<\/li>\n<li>Toll-free phone and email support from Monday through Friday<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4166-no-2\" class=\"tablepress tablepress-id-4166\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"2.5\">\n<tr class=\"row-2\" readability=\"5\">\n<td class=\"column-1\">\n<ul>\n<li>No monthly fees for the basic tier<\/li>\n<li>Earn APY on savings accounts<\/li>\n<li>Streamlined bookkeeping through AI accounting<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Some of the best features are in higher-tier accounts<\/li>\n<li>Incoming international wire transfers cost $15<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4166-no-2 from cache --> <\/p>\n<div class=\"listicle listicle-item\" id=\"north-one-standard-best-for-budgeting-and-multiple-software-integrations\" readability=\"31.058823529412\">\n<h2>North One Standard: Best for budgeting and multiple software integrations<\/h2>\n<p><strong>My rating: 3.81 out of 5<\/strong><\/p>\n<figure id=\"attachment_4291752\" aria-describedby=\"caption-attachment-4291752\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4291752 size-article-sm\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/north-one-logo-270x43.jpg\" alt=\"North One logo.\" width=\"270\" height=\"43\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/north-one-logo-270x43.jpg 270w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/north-one-logo-50x8.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/north-one-logo.jpg 300w\" sizes=\"auto, (max-width: 270px) 100vw, 270px\"><figcaption id=\"caption-attachment-4291752\" class=\"wp-caption-text\">Image: North One<\/figcaption><\/figure>\n<p>NorthOne <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-23df09eed6e4\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-23df09eed6e4\" class=\"trcom-info-content d-none sr-text\">Provider is a fintech platform; not a bank. It provides FDIC insurance and deposit services through a partnership with The Bancorp Bank, N.A., Member FDIC.<\/span> <\/span> is a convenient fintech platform for eCommerce entrepreneurs, offering a unified dashboard to track sales, payments, and spending in one place. It features two interest-earning <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-74f45a5d50d9\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-74f45a5d50d9\" class=\"trcom-info-content d-none sr-text\">To earn interest, you must maintain a daily balance above $0, and spend over $500 monthly using your North One Mastercard<sup>\u00ae<\/sup> Small Business Debit Card.<\/span> <\/span> &nbsp;business accounts: NorthOne Standard (2.50% APY) and NorthOne Plus (3.00% APY), both requiring an initial deposit of $50. NorthOne reimburses Standard users for one cash deposit fee and Plus users for up to three cash deposit fees monthly. Additionally, you can apply for lines of credit and term loans for added financing options.<\/p>\n<p>For more information on key features and costs, check out our <a href=\"https:\/\/www.techrepublic.com\/article\/northone-business-banking-review\/\">North One business banking review<\/a>.<\/p>\n<h3>Why I chose it<\/h3>\n<p>Shopify store owners can make the most of NorthOne\u2019s business checking accounts by using Envelopes, a budgeting tool that helps you easily allocate funds for taxes and inventory purchases. The automated process saves you valuable time and keeps your finances organized. NorthOne also supports everything from accounting and invoicing to payments, payroll, eCommerce, and productivity tools through around 60 software integrations, which makes it a powerful all-in-one solution for managing your business.<\/p>\n<h3>Monthly fee<\/h3>\n<ul>\n<li><strong>North One Standard:<\/strong> $0<\/li>\n<li><strong>North One Plus:<\/strong> $20<\/li>\n<\/ul><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>High APY for business checking accounts<\/li>\n<li>Compatible with Stripe, PayPal, Square, Shopify, Amazon, and eBay<\/li>\n<li>Physical and virtual cards for each owner<\/li>\n<li>Free bill pay and incoming domestic wires<\/li>\n<li>Integrates with QuickBooks, Wave, Patriot Accounting, Zoho, and more<\/li>\n<li>Discounts and free trials of business software and productivity tools<\/li>\n<li>Local customer support is available through phone, email, and live chat<\/li>\n<li>Monthly ATM withdrawal fee refunds<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4167-no-2\" class=\"tablepress tablepress-id-4167\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"2.5\">\n<tr class=\"row-2\" readability=\"5\">\n<td class=\"column-1\">\n<ul>\n<li>Pays interest by meeting easy conditions<\/li>\n<li>Debit card cash back rewards<\/li>\n<li>Its budgeting tool helps categorize funds<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Plus monthly fee cannot be waived<\/li>\n<li>No international wire transfer support<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4167-no-2 from cache --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_choose_the_best_bank_accounts_for_Shopify_stores\"><\/span>How to choose the best bank accounts for Shopify stores<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Before <a href=\"https:\/\/www.techrepublic.com\/article\/how-to-open-business-bank-account\/\">opening a business bank account<\/a> for your Shopify store, it is best to check the following factors:<\/p>\n<ul>\n<li>Integration with Shopify and business tools<\/li>\n<li>International payment access<\/li>\n<li>Monthly fees and waiver conditions<\/li>\n<li>Transaction limits<\/li>\n<li>Interest rate offer<\/li>\n<li>Minimum opening deposit and required maintaining balances<\/li>\n<li>ATM fees and transaction limits<\/li>\n<li>Cash deposit options<\/li>\n<li>Account features<\/li>\n<li>Ease of account opening and app ratings<\/li>\n<li>Business products and services offered<\/li>\n<li>Customer support availability<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Methodology\"><\/span>Methodology<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>To compile a list of the best bank accounts for Shopify stores, I examined each provider\u2019s business-specific features, including their ability to facilitate international payments, offer APY earnings, and provide access to lending solutions. Additionally, I also considered the fee structure of these accounts, focusing on monthly service fees, minimum balance requirements, and transaction limits to ensure the options are ideal for Shopify store owners.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Alternative_Non-Traditional_Banking_Options\"><\/span>Alternative Non-Traditional Banking Options<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Both Revolut and PayPal can be great alternatives for Shopify store owners.<\/p>\n<ul>\n<li><strong>Revolut:<\/strong> For global Shopify stores, Revolut can be a good option with its low-cost international transactions, multi-currency local accounts, and fast transfers. For more details, see our <a href=\"https:\/\/www.techrepublic.com\/article\/best-banks-for-ecommerce-business\/\">best banks for ecommerce businesses<\/a>.<\/li>\n<li><strong>PayPal:<\/strong> A popular and trusted provider, PayPal supports multiple currencies, which is a great advantage for international Shopify stores. You can also access business loans with transparent fees and no credit checks.<\/li>\n<\/ul>\n<h3>Pros and cons: online-only banks vs traditional banks in Shopify stores<\/h3>\n<p>Both traditional and online-only banks can meet the needs of Shopify store owners. Online-only banks offer higher APY, lower fees, and innovative features than traditional banks but lack cash deposit options and in-person support. Meanwhile, traditional banks provide face-to-face service and more comprehensive offerings but come with higher fees and slower processes.<\/p>\n<p>To pick the best bank account for Shopify, you need to weigh which suits your business needs and consider your preference for in-person service.<\/p>\n<table id=\"tablepress-4168-no-2\" class=\"tablepress tablepress-id-4168\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\"><\/th>\n<th class=\"column-2\">Pros<\/th>\n<th class=\"column-3\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"5.5\">\n<tr class=\"row-2\" readability=\"6\">\n<td class=\"column-1\"><strong>Online-only banks\/fintech<\/strong><\/td>\n<td class=\"column-2\">\n<ul>\n<li>Lower fees than traditional banks<\/li>\n<li>Higher yields<\/li>\n<li>More innovative features<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">\n<ul>\n<li>Limited customer support<\/li>\n<li>Limited or no cash deposit support<\/li>\n<li>No physical location<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\" readability=\"5\">\n<td class=\"column-1\"><strong>Traditional banks<\/strong><\/td>\n<td class=\"column-2\">\n<ul>\n<li>Reliable reputation<\/li>\n<li>In-person service available<\/li>\n<li>More financing access and business services<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">\n<ul>\n<li>Higher fees than digital providers<\/li>\n<li>Longer processing time for international transfers<\/li>\n<li>Limited eCommerce integrations<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4168-no-2 from cache --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>Do you need a business bank account for Shopify?<\/h3>\n<p>While a business bank account is not required for Shopify, it is highly recommended to have a <a href=\"https:\/\/www.techrepublic.com\/article\/do-you-need-business-bank-account\/\">separate business bank account<\/a> for better organization of your finances. Having a separate account helps streamline tax filing, keeps personal and business finances distinct, and can reduce potential legal issues.<\/p>\n<h3>What payment methods are accepted on Shopify?<\/h3>\n<p>Shopify supports a wide range of payment methods, including debit and credit cards (Visa, Mastercard, American Express, Discover, Diners Club), PayPal, Apple Pay, Google Pay, Amazon Pay, Shop Pay, Worldpay, and Shopify Payments, making it easy for customers to complete purchases.<\/p>\n<h3>Can I use the same bank account for two Shopify stores?<\/h3>\n<p>Yes, you can use a single bank account for Shopify payouts across multiple stores.<\/p>\n<h3>What kind of bank account do you need for Shopify?<\/h3>\n<p>Shopify store owners need a checking or current account capable of receiving transfers.<\/p>\n<h3>Which bank is best for Shopify?<\/h3>\n<p>The best bank for your Shopify business depends on your specific needs. Top options include U.S. Bank, Mercury, and Novo. <a href=\"https:\/\/www.techrepublic.com\/article\/how-to-choose-bank-business\/\">To choose the right bank<\/a>, evaluate the account features, fees, and what best supports your business operations.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As a Shopify store owner, choosing the right financial provider is crucial for the smooth operation and growth of your business. It\u2019s important to select a bank that not only integrates seamlessly with Shopify but also offers minimal transaction fees and robust support for payment processing. As your business expands, opting for a bank with [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":108,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-107","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technology"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>8 Best Bank Accounts for Shopify Stores in 2025 - TecnoArtesanos Tech Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.tecnoartesanos.com\/index.php\/2025\/02\/19\/8-best-bank-accounts-for-shopify-stores-in-2025\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"8 Best Bank Accounts for Shopify Stores in 2025 - TecnoArtesanos Tech Blog\" \/>\n<meta property=\"og:description\" content=\"As a Shopify store owner, choosing the right financial provider is crucial for the smooth operation and growth of your business. 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