Best Digital Banking for Small Businesses in USA in 2025
Published: December 9, 2025
Executive Summary
We analyzed 5 solutions. Top Recommendation: Business Banking (Checking & Savings) by Mercury scored highest due to Ranked #1 by FAB score (714) among U.S. digital banks for small business; digital-first design optimized for early-stage founders with seamless software integrations..
Business Banking (Checking & Savings)
mercury.comMercury provides a modern business banking platform featuring free checking and savings accounts, virtual and physical debit and credit cards, and a range of integrated financial tools. The service is designed to streamline banking and financial operations for startups and growing businesses, offering automation, spend controls, and seamless domestic and international payments.
Key Features:
- Free checking and savings accounts
- Virtual and physical debit & credit cards
- Free domestic and international USD wires
- Scheduled and recurring payments via ACH, wire, or check
- User-level permissions and approval rules
- Customizable card limits and spend controls
- Auto-transfer rules between accounts
- Slack payment approvals
- Integrations with Xero and QuickBooks
- Automated payroll via wire drawdowns
- Bill pay with drag-and-drop interface
- Global payments in 40+ currencies (1% FX fee)
- Access to additional products: IO credit card, Treasury, Venture Debt, Bill Pay, Invoicing, Startup Perks
Business banking
brex.comBrex Business Banking is a financial technology solution that provides businesses with a single account combining industry-leading returns, modern checking, and FDIC insurance. It features a high-yield treasury account, integrated bill pay and invoicing, and advanced fraud and data protection. The offering is not a bank account but is provided in partnership with Column N.A. (Member FDIC) and Brex Treasury LLC (Member FINRA/SIPC).
Key Features:
- Treasury account with high yield and government-backed stability
- Modern checking with integrated bill pay and invoicing
- Vault for advanced fraud and data protection
- Custom approval rules and vendor safe lists
- Integration with payroll, ERP, and HRIS systems
- Sync transactions directly with ERP
- Brex cards for seamless payments
- Mobile app for account management
Chase for Business
chase.comChase for Business provides a range of financial products and services tailored to small, mid-sized, and large businesses. These include business checking and savings accounts, credit cards, payment solutions, loans, retirement plans, and business services. The offering is recognized for its comprehensive online banking features and local support.
Key Features:
- Business checking accounts
- Business savings accounts (including CDs)
- Business credit cards with rewards and bonuses
- Payment solutions for accepting credit/debit cards in-store, online, and on-the-go
- Point-of-sale systems and payment gateways
- Business loans, SBA loans, and lines of credit
- Commercial real estate financing
- Business debit cards
- Retirement plan solutions (401(k))
- Business services including payment processing and foreign exchange
Accounting Software
lili.coLili's Accounting Software is an integrated solution for small business owners to manage accounting, payments, invoicing, bill pay, and tax preparation within one platform. It automates transaction categorization, provides real-time dashboards, and offers tools to keep books accurate and tax-ready with minimal manual effort.
Key Features:
- Automated accounting built into business banking
- AI-powered transaction categorization
- Receipt capture and storage
- Live business dashboard for cash flow and profit tracking
- Create and send branded invoices, track payment status
- Smart Bill Pay: organize, schedule, and pay bills
- One-click financial reports (Profit & Loss, expense summaries)
- Tax preparation and automated Tax Bucket
- Accountant AI chat for real-time financial answers
- Sync external bank accounts and credit cards
- Grant accountant read-only access or export reports as PDF/CSV
- Real-time data updates
Integrations Marketplace
relay.appThe Integrations Marketplace enables users to explore and utilize a broad selection of integrations that connect Relay.app with popular business and productivity tools. This allows for workflow automation, data synchronization, and enhanced productivity by bridging Relay with external platforms.
Key Features:
- Extensive catalog of integrations with leading SaaS and productivity tools
- Categorized browsing (e.g., Ads, AI, Calendar, CRM, Email, Project Management, Sales & Marketing, etc.)
- Direct links to individual integration pages for setup and documentation
- Search and filter functionality to quickly find relevant integrations
- Support for automation and workflow building across connected apps