Small Business Banking
Next-Level Business Banking Solutions
Fewer fees. Competitive rates. Choose a business bank account that puts you in the best position to achieve your financial goals.
Among the Best Business Checking Accounts
Forbes Advisor | 2024
One of the Best Banks for Small Business
Nerdwallet
One of the Best Business Bank Accounts for Sole Proprietorships
Forbes Advisor | 2024
Select your offer and get started.
Checking: Up to
$4001
Checking: Up to
$2002
For newly formed businesses who are just getting started.
Savings: Up to
$3753
For businesses with larger savings balances.
Explore Our Best Business Bank Accounts and Services
Forget about waiting in line at a branch. Get started now on your path to financial success with our digital accounts. Whether it’s checking accounts with low fees or savings accounts to grow your reserves, our business bank accounts make it easy – allowing you to put time and money back into your business.
Basic Business
Checking
No monthly maintenance fees. Free domestic incoming wires.
Business Premium Savings
High-yield savings to grow your money faster. No monthly maintenance fees.
Expanded FDIC
Insurance
Access FDIC insurance up to $265 million through a single bank relationship.
Solutions for today. Growth for the future.
Our mission is to make your banking experience easier so you can focus on what matters most – your business. Choose from our variety of business bank accounts and determine which is the best fit for your needs.
Checking
With low fees, easy access, and the ability to earn interest, our business checking accounts are designed to save you time and money.
Savings
A business savings account can grow your money and keep you prepared for financial emergencies.
Ready for business banking made for you?
With user-friendly tools and features, managing your new business is a breeze. We're here to make sure your banking works as hard as you do. Plus, earn up to $200.2
Reach your financial goals faster with our digital tools.
We provide a variety of business banking services to move your small business forward.
SBA Loans
Achieve your goals with a business loan.
Merchant Services
Easy payment processing for your customers.
Payroll Services
Complete your payroll quickly and easily.
Treasury Management
Security through fraud and risk management solutions.
Insured Cash Sweep
Access expanded FDIC insurance through a single-bank relationship.
Your one-stop shop for managing finances.
Easier, smarter banking starts with the Axos All-In-One Mobile App.
- View your business and personal bank accounts.
- Send wire transfers and schedule bill payments.
- Keep your accounts safe with enhanced security measures.
- Easily move money between accounts.
- Balance your books with accounting software integration.
Let’s Talk Business
Need a helping hand? Forget the phone tree. Call 844-678-2726 to speak to an actual person today and get customized solutions for your business.
Talk with a business banking representative Monday-Friday, 6 a.m. to 6 p.m. PT, excluding federal holidays.
Small Business Banking Frequently Asked Questions
What is a business bank account?
A business bank account is designed to conduct business transactions, keeping them separate from your personal finances. You can make and receive payments in your businesses’ name instead of your name.
What type of bank account do I need for my small business?
Types of business bank accounts include checking, savings, certificate of deposit (CD), and money market. Research the features of each type of account to determine what is the best fit for you.
What is small business banking?
Small business banking is financial services tailored to small or medium-sized businesses. This can include business checking and savings accounts, merchant services, and treasury management. These services are designed for lower transaction volume and more personalized customer service.
How much money should a small business have in the bank?
Generally, a small business owner should have three to six months of expenses saved. This amount should keep you financially protected in the case of an emergency.
What do I need to open a business bank account?
You’ll need the appropriate documentation, including Employer Identification Number (EIN), Social Security Number (if you’re a sole proprietor), ownership agreement, business license, and articles of incorporation/organization. Requirements can differ depending on the type of business you have.
Can I open a business account with EIN only?
No. You will likely need to provide other business documents and information.
Is an Axos business bank account FDIC insured?
Yes, your Axos business bank account is insured by the federal government up to $250,000 for individual accounts and up to $500,000 for joint accounts. You can get expanded FDIC coverage up to $265 million with Axos Bank InsureGuard+ Savings from IntraFi® Network DepositsSM.