Easiest Business Checking Account to Open – A Guide for Busy Entrepreneurs

Starting a business is exciting—until paperwork gets in the way. But when it comes to banking, things don’t have to be so complicated. If you’re a solopreneur, side hustler, or startup founder looking for the easiest business checking account to open, you’re in luck. In 2025, there are more user-friendly options than ever, from online-first fintech solutions to local banks that won’t drown you in red tape. Whether you need an account with no monthly fees, same-day setup, or instant online verification, this guide breaks down the most accessible and beginner-friendly checking account options. We’ll look at which banks ask for the least documentation, which ones you can open without stepping into a branch, and what features to watch out for—like mobile apps, transaction limits, and integrations with platforms like QuickBooks, Shopify, and PayPal. If you’re ready to skip the stress and open a business account that works as fast as you do, keep reading.

💼 What Makes a Business Checking Account “Easy” to Open?

Before we dive into the list, let’s define what “easy” actually means in this context. An easy-to-open business checking account should offer:

• Minimal documentation (you shouldn’t need a legal team)
• Fast online application with no in-person visit required
• Low or no minimum deposit
• Instant or same-day approval
• No monthly fees or easy ways to waive them

The best accounts offer simplicity and functionality—because a sleek signup process is great, but not if the account is full of hidden fees or lacks essential features.

🏆 Top 5 Easiest Business Checking Accounts to Open in 2025

1. Bluevine Business Checking

• Best for: Freelancers and online businesses
• Why it’s easy: Entirely online application, EIN not required (can use SSN), no minimum deposit
• Perks: 2.0% APY on balances up to $250K, no monthly fees, integrates with QuickBooks

Bluevine has become the go-to for digital-first entrepreneurs who want a straightforward account with real interest on their balance. You can open an account in under 10 minutes.

2. Lili Business Banking

• Best for: Freelancers and sole proprietors
• Why it’s easy: Uses personal info to open account, instant approval possible, mobile app
• Perks: Tax tools, expense tracking, no hidden fees, and no minimum balance

Lili blurs the line between personal and business banking, making it ideal for gig workers and creatives. It’s almost like opening a personal account—just with better tools for taxes and invoices.

3. Novo Business Checking

• Best for: E-commerce and tech-savvy small business owners
• Why it’s easy: Fully online application, fast approval, integrates with Stripe, Shopify, and PayPal
• Perks: No monthly fees, refund on all ATM fees, virtual debit card

Novo feels like the cool kid of business banking. Their onboarding process is sleek, they play nice with your favorite platforms, and you can get started without jumping through hoops.

4. Relay Financial

• Best for: Startups and teams needing multiple users
• Why it’s easy: Quick online signup, no credit check, no minimum balance
• Perks: Multi-user access, automated bill pay, integrates with accounting software

Relay is great for growing teams who want structure without complication. You can assign roles to team members, set limits, and manage funds with ease—plus, the signup process is refreshingly fast.

5. Chase Business Complete Banking®

• Best for: Traditionalists who still want online ease
• Why it’s easy: Online application for eligible businesses, wide physical presence
• Perks: Bonus offers for new accounts, great mobile app, access to real bank branches

Chase blends the familiarity of a big-name bank with some digital convenience. If you prefer working with a major institution, their business checking account can be opened online (for most business types), with minimal fuss.

🧾 What Documents Do You Need?

Here’s what most banks will ask for:

• Government-issued ID (like a driver’s license)
• Social Security Number or EIN
• Business formation documents (LLC or DBA paperwork)
• Business address (can often be your home if you work remotely)

Pro tip: Sole proprietors usually have the easiest time—some accounts like Lili or Bluevine don’t require an EIN or LLC to open.

🔍 What to Look for Beyond Easy Setup

Ease is important, but so is value. Consider these when choosing your account:

• No hidden fees
• ATM access and fee reimbursements
• Mobile check deposit
• Integrations with your accounting software
• Customer support availability (chat or phone)

❓FAQs – Quick Questions, Quick Answers