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.

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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

Unlock a bonus up to $375 with Business Premium Savings.

Save more, pay lower fees, and get a limited-time bonus up to $375 with a 4.01% APY* Business Premium Savings account. Use promo code BPS375.

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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.


Merchant
Services

Quickly and easily process credit and debit cards for your customers.


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.

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.

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Merchant Services

Easy payment processing for your customers.

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Payroll Services

Complete your payroll quickly and easily.

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Treasury Management

Security through fraud and risk management solutions.

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Insured Cash Sweep

Access expanded FDIC insurance through a single-bank relationship.

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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.

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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.

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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.

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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.

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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.

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