Business Checking

Flexible checking solutions built for businesses like yours.

Discover one of the best checking accounts for small business.

At Luminate Bank, we know your business checking account needs to do more than hold your funds: it needs to help your business thrive. That’s why we offer some of the best checking accounts for small business, combining flexibility, convenience, and powerful digital tools to support your growth.

Whether you’re managing everyday expenses, paying employees, or syncing transactions with your accounting software, our business checking options are designed to fit your needs now and into the future.

We’ll help you focus on what matters most (running your business) while we handle the banking.

Business checking accounts that fit your business.

When it comes to choosing the best checking accounts for small business, we deliver more than just an account. You’ll get a trusted partner who understands the challenges of running a business and provides the right tools to help you succeed.

Our business checking accounts are fully compatible with QuickBooks and other popular accounting software, making it easy to reconcile transactions and keep your books up to date. If you’ve been searching for small business checking with QuickBooks, you’re in the right place.

Perfect for small businesses that want a simple, low-cost solution with the flexibility to scale.

• Non-interest bearing
• Maintain a minimum balance of $300 to avoid a $5 monthly service charge
• $0.20 per debit if the balance falls below $300

A great choice for businesses that want flexibility, earnings, and unlimited access to funds.

• Interest bearing up to 2.02% APY*
• No minimum balance required
• No monthly service charge
• Unlimited check writing
• Access to a nationwide network of surcharge-free ATMs

A robust option for higher transaction volumes and balances, ideal for established businesses.

• No minimum balance required
• $10 monthly service charge
• $0.20 per debit, with an offset credit of $0.15 per $1,000 average collected balance

*Annual Percentage Yield (APY) for Brighter Business Checking as of account opening date. Rates are subject to change. Fees may reduce earnings.

What do you get with your business checking account?

Every Luminate Bank business checking account comes with powerful tools to help you manage your business finances efficiently and securely.

Ready to take your business banking to the next level?

Your business deserves more than just a place to put your money. Choose one of the best checking accounts for small business, fully equipped for small business checking with QuickBooks, and get back to focusing on what you do best.



Open your business checking account today and experience banking that works as hard as you do.