Discovering a financial institution that seamlessly integrates with QuickBooks is essential for small enterprise homeowners, because it streamlines bookkeeping by decreasing guide knowledge entry and errors. Many banks and monetary know-how (fintech) firms supply this integration, so it’s necessary to discover their extra options. Right here, I’ve reviewed the ten greatest banks that combine with QuickBooks.
- Finest general financial institution that integrates with QuickBooks: Chase
- Finest for small companies with low transactions: U.S. Financial institution
- Finest for incomes excessive curiosity: Bluevine
- Finest for large-scale startups needing extra FDIC insurance coverage
: Mercury - Finest for fast funds by way of Novo Increase: Novo
- Finest high-yield bundled enterprise accounts and free fee software program: Grasshopper Financial institution
- Finest for self-employed professionals: Discovered
- Finest for groups needing extra accounts and debit playing cards: Relay
- Finest for expanded FDIC protection and limitless ATM charge refunds: Axos Financial institution
- Finest high-APY financial savings and SBA financing: Stay Oak Financial institution
Finest banks that combine with QuickBooks fast comparability
Beneath, I summed up the highest options I thought-about for the ten monetary suppliers. Right here is our listing of banks that combine with QuickBooks On-line.
Chase: Finest general financial institution that integrates with QuickBooks
Our ranking: 4.31 out of 5
Chase is my prime choose for the most effective banks that combine with QuickBooks. This full-service financial institution mechanically transfers bank card fee knowledge and financial institution transactions from what you are promoting account to your QuickBooks On-line accounts day by day. This consists of card gross sales, refunds, charges, chargebacks, earnings, and bills, making it simple to reconcile your financial institution accounts. Chase gives three enterprise checking accounts with waivable charges, in-person banking in a number of states, and environment friendly instruments and companies.
Why I selected it
I selected Chase as my general greatest financial institution for QuickBooks integration as a result of it gives a full suite of enterprise banking services and has a nationwide department presence. The bottom-tier Chase Enterprise Full Checking® account offers 20 paper transactions, limitless digital transactions, and a month-to-month money deposit allowance of $5,000. You’ll additionally get a bonus of as much as $500 while you open a brand new Enterprise Full Checking® account and meet the qualifying actions. The supply is legitimate till April 17, 2025.
Month-to-month charges
- Chase Enterprise Full Banking: $15; waivable by having any of those:
- $2,000 common day by day steadiness.
- $2,000 Chase Ink Enterprise Playing cards spend.
- $2,000 in deposits from Chase QuickAccept or different eligible Chase Cost Options transactions.
- Linked Chase Personal Consumer CheckingSM, JPMorgan Basic Checking, or Personal Consumer Checking Plus account.
- Meet Chase Navy Banking necessities.
- Chase Efficiency Enterprise Checking: $30; waivable by assembly a $35,000 or larger mixed common day by day steadiness (ADB) in qualifying enterprise deposit accounts.
- Chase Platinum Enterprise Checking: $95; waivable by assembly a $100,000 mixed ADB throughout qualifying enterprise deposit and funding accounts. The required ADB is $50,000 for a linked Personal Consumer CheckingSM, JPMorgan Basic Checking, or Personal Consumer Checking Plus account.
Options
- Free affiliate and worker debit playing cards upon request.
- Digital banking and department places in 48 states.
- Chase Financial institution QuickBooks integration.
- Constructed-in card acceptance by way of its cellular app.
- Fraud safety companies.
- Cost and invoicing companies through Chase Cost Options.
- On-line and department buyer assist.
- Welcome bonus for eligible new accounts.
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U.S. Financial institution: Finest for small companies with low transactions
Our ranking: 4.30 out of 5
U.S. Financial institution is a standard financial institution that allows you to take management of your monetary knowledge by permitting you to hyperlink your checking account with QuickBooks On-line to supervise each your financial institution and bank card transactions. You can begin by establishing your QuickBooks On-line account. The financial institution gives three enterprise checking choices, a specialised nonprofit account, and a number of other money administration and fee processing companies.
Why I selected it
I like to recommend U.S. Financial institution’s starter account, Silver Enterprise Checking, to small enterprise homeowners who’re simply beginning out, because it doesn’t cost a month-to-month charge. Plus, you get 125 free month-to-month transactions and may deposit as much as $2,500 month-to-month with no expenses. Learn our U.S. Financial institution enterprise checking evaluation to study extra about its charges and key options.
As well as, you possibly can earn a bonus of as much as $900 while you open a brand new, eligible U.S. Financial institution enterprise checking account (promo code: Q1AFL25) and full qualifying actions, topic to sure phrases and limitations—supply legitimate by way of March 31, 2025. Member FDIC.
Month-to-month charges
- Silver Enterprise Checking: $0.
- Gold Enterprise Checking: $20; waivable by having any of those:
- A U.S. Financial institution Cost Options Service provider account.
- $10,000 common collected steadiness.
- $20,000 mixed common collected enterprise deposit balances.
- $50,000 mixed common collected enterprise deposits and excellent credit score balances.
- Platinum Enterprise Checking: $30; waivable by having any of those:
- $25,000 common collected checking steadiness.
- $75,000 mixed common collected enterprise deposits and excellent credit score balances.
Options
- QuickBooks and ADP integrations.
- Zelle, point-of-sale (POS) options, and money administration companies.
- Overdraft safety.
- On-line and cellular banking.
- 50% low cost on first examine order.
- Test fraud prevention companies.
- Distant deposit seize.
- Lending choices embrace Small Enterprise Administration (SBA) loans, traces of credit score, time period loans, and medical follow financing.
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Bluevine: Finest for incomes excessive curiosity
Our ranking: 4.22 out of 5
Bluevine is a prime fintech firm that gives excessive yields and a QuickBooks On-line integration. You’ll discover it simple to match your billing, transaction, and payee info on each platforms. Other than QuickBooks, Bluevine has main integrations with many fee and accounting software program. It additionally gives aggressive curiosity for 3 enterprise checking merchandise, a wonderful line of credit score, a bank card with cashback rewards, and quick worldwide enterprise funds.
Why I selected it
What’s nice about Bluevine is it provides you totally different choices for enterprise checking accounts, which offer limitless transactions. You can begin with Bluevine Normal, which doesn’t have a month-to-month charge, and luxuriate in a 1.5% APY of as much as $250,000 while you meet qualifying actions. As what you are promoting scales, you possibly can join premium accounts and earn increased yields whereas decreasing your charges on normal banking companies, like wire transfers and same-day ACH transactions.
Month-to-month charges
- Bluevine Normal: $0.
- Bluevine Plus: $30; waivable by having:
- An ADB of $20,000 throughout your Bluevine checking account, together with subaccounts.
- A spend of $2,000 month-to-month utilizing your Bluevine debit card or bank card.
- Bluevine Premier: $95; waivable by assembly:
- An ADB of $100,000 throughout your Bluevine checking account, together with subaccounts.
- A spend of $5,000 month-to-month utilizing your Bluevine debit card or bank card.
Options
- QuickBooks, Xero, and Wave integrations.
- Appropriate with Sensible, Venmo, CashApp, and Sq..
- Worldwide funds to 32 nations in 15 currencies.
- Traces of credit score as much as $250,000 at low charges.
- Enterprise bank card with limitless cashback and no annual charge.
- Presents a free checkbook
yearly. - Free home incoming wire transfers.
- Money deposit choices at Inexperienced Dot and Allpoint+ ATMs.
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Mercury: Finest for large-scale startups needing extra FDIC insurance coverage
Our ranking: 4.17 out of 5
Mercury, a fintech geared for tech startups, makes accounting a breeze by syncing invoice funds, common funds, and debit and bank card transactions out of your Mercury account. Accounting information are auto-created in QuickBooks by assigning basic ledger codes. Mercury additionally has strong enterprise software program integrations, resource-rich options for startups by way of investor connections and networking, a excessive APY Treasury product, and above-the-standard FDIC insurance coverage protection.
Why I selected it
Mercury is an impressive possibility for startups and tech firms with substantial funds. I recognize the benefit supplied by Mercury Vault, which offers you peace of thoughts with an FDIC protection of as much as $5 million utilizing a sweep community. Mercury’s fee-free enterprise checking account is handy with no minimal steadiness, opening deposit requirement, month-to-month charge, or transaction restrict. One other perk is the IO Mastercard with money again rewards and a high-yield Mercury Treasury
product that may assist develop your funds.
Month-to-month charges
- Mercury Enterprise Checking: $0.
- Mercury Plus: $35.
- Mercury Professional: $350.
Options
- Bodily and digital debit playing cards.
- QuickBooks and Xero accounting software program integration.
- Appropriate with Shopify, Stripe, Sq., Zapier, Amazon, and PayPal.
- IO company card offers 1.5% auto money again rewards.
- Can open a financial savings account when you’ve got a checking account.
- Custom-made account entry and 14 subaccounts.
- Superior accounting automation is offered underneath a subscription plan.
- Mercury investor database.
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Novo: Finest for fast funds by way of Novo Increase
Our ranking: 4.09 out of 5
Novo, one other excellent fintech, offers QuickBooks financial institution integration. You may view all of your accounting knowledge from a single Novo dashboard. New customers get a 30% low cost on QuickBooks for the primary six months. Novo offers a fee-free enterprise checking account, as much as $7 in month-to-month ATM charge refunds, low-cost worldwide funds, and sooner fee acceptance for Stripe customers.
Why I selected it
As a enterprise proprietor, you favor to obtain shopper funds sooner. Novo gives this profit by way of Novo Increase. As a substitute of ready for days, I like that Novo allows you to obtain Stripe funds in just a few hours. You may also ship vendor funds through Categorical ACH, which permits same-day transfers. One other plus level is that Novo helps you arrange your funds higher. You may create as much as 20 reserve accounts to put aside tax, payroll, and different enterprise operation bills.
Month-to-month charges
- Novo Enterprise Checking: $0.
Options
- Low-fee worldwide funds by way of Sensible partnership.
- Integrations embrace QuickBooks, Stripe, Sq., and PayPal.
- Limitless and free custom-made invoices by way of the Novo app.
- Bodily and digital debit playing cards.
- No normal ACH charges.
- Free incoming wire transfers.
- Novo perks embrace reductions on QuickBooks, Stripe, and Google Cloud.
- Service provider money advances financing as much as $75,000 through Novo Funding.
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Grasshopper: Finest for high-yield bundled enterprise accounts and free fee software program
Our ranking: 4.09 out of 5
Grasshopper is one other nice choose for the most effective banks with QuickBooks integration. It offers two enterprise accounts, Innovator and Accelerator. In the event you’re a small enterprise or mid-sized firm, the Innovator Enterprise Checking account is good. You save on month-to-month upkeep charges and earn curiosity. In the meantime, startups can go for an Accelerator account, which gives the next APY when mixed with a cash market account.
Why I selected it
As a digital financial institution, Grasshopper scores excessive on comfort when opening a enterprise account. It additionally gives an uncapped APY of as much as 1.80% and will increase the curiosity additional while you bundle it with a cash market financial savings product. You may transact with out limits, earn money again in your debit card purchases, and luxuriate in Autobooks
totally free. As well as, you received’t take in ATM charges while you withdraw at over 45,000 MoneyPass and SUM community ATMs.
Month-to-month charges
- Grasshopper Innovator Checking: $0.
- Grasshopper Accelerator Checking: $0.
Options
- As much as 3.30% APY when paired with an Accelerator Financial savings Account.
- Limitless 1% money again on on-line and signature-based purchases.
- Free bodily and digital Visa rewards debit playing cards.
- Free invoice pay and examine deposit companies.
- Free home ACH and wire transfers for certified balances.
- Autobooks, QuickBooks, and Plaid integrations.
- FDIC insurance coverage of as much as $125 million.
- US-based buyer assist through telephone, e-mail, chat, and safe message.
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Discovered: Finest for self-employed professionals
Our ranking: 3.95 out of 5
Discovered, a fintech platform designed for self-employed professionals, allows you to import your QuickBooks transaction particulars to trace all earnings and bills by way of its personal bookkeeping system. Discovered’s all-in-one banking answer gives customers auto expense monitoring, custom-made invoicing, monetary reporting, and budgeting instruments. No credit score checks are carried out when opening a checking account.
Why I selected it
In the event you’re searching for a banking answer that streamlines finance administration, I extremely suggest Discovered for its built-in bookkeeping software program, tax instruments, and free invoicing companies. It simplifies working what you are promoting, particularly with a enterprise checking account that has no hidden charges or steadiness minimums. You may auto-track and categorize your bills, run reviews, evaluation tax estimates, and seize and save receipts, which saves you lots of time. Money deposits may also be made at over 80,000 retail places.
Month-to-month charges
- Discovered Enterprise Checking: $0.
- Discovered Plus: $19.99 per 30 days or $149.99 per yr.
Options
- QuickBooks integration and built-in Discovered bookkeeping software program.
- Tax instruments for fee, auto-saving, and write-offs.
- Free, limitless, and customised invoices.
- Cost integrations embrace PayPal, Money App, Sq., Stripe, and Venmo.
- No credit score checks.
- No ACH charges.
- No ATM charges (Discovered doesn’t cost for ATM withdrawals, however third-party operator charges might apply).
- Discovered Plus gives 1.5% APY on balances as much as $20,000, custom-made bookkeeping, and precedence customer support.
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Relay: Finest for groups needing extra accounts and debit playing cards
Our ranking: 3.95 out of 5
Relay, a fintech firm, helps to simplify your bookkeeping by way of direct syncing of your banking knowledge with QuickBooks On-line. Card purchases are auto-categorized, and examine pictures are hooked up to your deposit transactions for detailed and correct month-to-month reconciliation. Relay makes expense monitoring simple by offering a number of enterprise accounts and debit playing cards. Account permissions additionally allow you to delegate monetary duties, saving enterprise homeowners time.
Why I selected it
Quickly increasing companies received’t want to fret whether or not their enterprise checking accounts can sustain with their progress. They’ll confide in 20 reserve accounts and create as much as 50 debit playing cards to assist handle spending and monitor bills intimately. You may also save on charges while you deposit or withdraw at Allpoint ATMs, which is rewarding for budget-conscious firms.
Relay gives limitless transactions and fee-free money deposits at Allpoint+ ATMs. As well as, you possibly can deposit money at over 90,000 Inexperienced Dot retail places, however a charge of $4.95 per transaction can apply.
Month-to-month charges
- Relay Enterprise Checking: $0.
- Relay Professional: $30; not waivable.
Options
- QuickBooks, Xero, Gusto, and Plaid integrations.
- Relay enterprise financial savings accounts earn 1% to three% curiosity.
- Shared account entry with staff members.
- Debit playing cards may be custom-made.
- No overdraft charges.
- $5 to $10 wire charges (Relay Enterprise Checking) and $0 wire charges (Relay Professional).
- Relay Professional gives fee-free outgoing wires, same-day ACH, and extra perks.
- E mail and telephone assist.
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Axos Financial institution: Finest for expanded FDIC protection and limitless ATM charge refunds
Our ranking: 3.83 out of 5
Axos Financial institution is an online-only financial institution providing enterprise customers built-in QuickBooks desktop and QuickBooks on-line variations. Other than QuickBooks and ADP integrations, Axos has a full vary of enterprise banking merchandise, corresponding to financial savings accounts, cash markets, CDs, lending, service provider companies, and payroll companies. Via Insured Money Sweep (ICS), what you are promoting funds may be FDIC-insured as much as $240 million. On prime of that, the financial institution reimburses customers for all home ATM charges.
Why I selected it
I selected Axos Financial institution as a result of enterprise homeowners can maximize their financial savings with the Fundamental Enterprise Checking account’s limitless home ATM charge refunds and waived month-to-month charges. You additionally get limitless transactions and may make fee-free money deposits at MoneyPass and Allpoint networks. Nevertheless, for those who decide to deposit at Inexperienced Dot retail places, it can value $4.95 per merchandise.
The financial institution gives a welcome bonus of as much as $400 while you open a brand new Axos enterprise checking account (promo code: NEW400) and meet qualifying actions. The supply expires on September 30, 2025.
Month-to-month charges
- Fundamental Enterprise Checking: $0.
- Enterprise Curiosity Checking: $10; waivable with a $5,000 ADB.
Options
- Limitless transactions for lowest-tier checking.
- QuickBooks and ADP integrations.
- No incoming wire charges and money deposit charges at MoneyPass and Allpoint ATMs.
- FDIC insurance coverage of as much as $240 million through ICS.
- 1.01% APY for interest-bearing accounts.
- Two reimbursed home outgoing wires month-to-month.
- SBA loans and CRE loans.
- Distant deposit seize (60 gadgets month-to-month).
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Stay Oak Financial institution: Finest high-APY financial savings and SBA financing
Our ranking: 3.74 out of 5
Stay Oak Financial institution is one other monetary establishment that permits you to hyperlink your account with QuickBooks. This online-only financial institution offers a excessive APY of three.70%. Think about this financial institution for those who’re searching for extra earnings on idle funds. You received’t have to pay a month-to-month charge or a gap deposit. To begin incomes curiosity, you solely have to maintain a steadiness of 1 cent. As well as, you possibly can defend your massive steadiness (as much as $10 million in FDIC insurance coverage protection) by way of an insured money sweep program.
Why I selected it
Stay Oak Financial institution’s aggressive yield on its financial savings product makes it a strong candidate for the most effective banks providing a QuickBooks integration. It doesn’t require a steep quantity of steadiness to earn curiosity in comparison with different banks. Moreover, Stay Oak extends a number of enterprise merchandise, together with enterprise checking, certificates of deposit, and enterprise financing, particularly SBA loans.
Month-to-month charges
- Stay Oak Financial institution Enterprise Financial savings: $0.
Options
- Excessive-yield CDs.
- No incoming wire switch charges.
- Integrates with QuickBooks.
- As much as $10 million in FDIC protection by way of Insured Money Sweep (ICS).
- Three enterprise checking accounts can be found.
- SBA loans and business lending.
- Stay Oak Categorical loans from $10,000 to $500,000.
- Customized customer support from a North Carolina-based staff.
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How to decide on the most effective banks that combine with QuickBooks
I appeared on the following elements when evaluating and assigning a ranking for the most effective banks for QuickBooks integration:
- Month-to-month charges and waiver circumstances.
- Minimal opening deposit and required sustaining balances.
- Rate of interest supplied.
- ATM charges and transaction limits, together with ATM community availability.
- Money deposit choices and limits.
- Wire switch prices and limits.
- Account options.
- Enterprise software program integrations.
- Enterprise services supplied.
- Geographic places.
- Buyer assist availability.
Methodology
Earlier than creating the listing of banks that combine with QuickBooks On-line, I rigorously checked if the financial institution really gives QuickBooks integration for seamless accounting. I researched the charge buildings and centered on month-to-month charges, minimal opening balances, and any required steadiness necessities, together with ATM charges. I additionally thought-about the APY, month-to-month transaction and money deposit limits, and weighed within the comfort of getting bodily branches close by. All of this was necessary to make sure you get the most effective match in your wants.
Steadily requested questions
What financial institution does QuickBooks use?
QuickBooks (Intuit) is taken into account a fintech firm, not a financial institution. Nevertheless, its banking companies are supplied by its companion, Inexperienced Dot Financial institution, Member FDIC.
Are you able to hyperlink your checking account to QuickBooks?
Most banks assist QuickBooks integration, even small credit score unions. However for those who can not hyperlink QuickBooks to your checking account, you possibly can nonetheless add your transactions manually to your QuickBooks On-line account.
How secure is it to attach a financial institution to QuickBooks?
It is vitally secure to hyperlink your checking account to QuickBooks. The corporate gives strong safety measures, corresponding to read-only financial institution connections, password safety, SSL and RSA encryptions, and extra, to safeguard your monetary knowledge.
What number of financial institution accounts can I connect with QuickBooks?
QuickBooks doesn’t impose a most variety of financial institution accounts that may be added to 1 QuickBooks On-line firm file.
Which banks work greatest with QuickBooks On-line?
Any financial institution that helps QuickBooks On-line is efficient for integration.
What if my financial institution just isn’t listed in QuickBooks?
Even when your financial institution just isn’t listed, QuickBooks permits guide uploads. You may also simply request assist in your financial institution by way of your QuickBooks On-line account.
What banks does QuickBooks assist?
QuickBooks helps a variety of banks. To see a whole listing of supported banks, please go to the QuickBooks web site.