Best Business Banks for ACH Transfers

This guide compares common business banking options for ACH based on typical fee structures, limits, and workflows.

Key takeaways

High ACH volume businesses may care most about per-item pricing and batch fees.
Online-first teams may prioritize dashboard controls and integrations.
If you need cash deposits, branch access may matter more than ACH pricing.

Business Bank ACH Comparison

Bank	Typical ACH fee approach	Limits / controls	Best for	Visit site
Mercury	Free (included with account)	$50K–$250K per day	Online-first businesses, startups, tech companies	Visit site Disclosure
Bluevine	Free (included with account)	$50K–$100K per day	Small businesses, freelancers, service providers	Visit site Disclosure
Chase	$0.10–$0.35 per transaction	Customizable, typically higher	Established businesses needing branch access or high limits	Visit site
Relay	Free (included with account)	$50K–$100K per day	Small businesses seeking simple online banking	Visit site

* Fees and limits shown are approximate ranges and may vary by account type, relationship tier, and negotiated terms. Always verify current pricing with your bank.

More Business Bank Options

Many other business banks offer ACH transfer services with varying fee structures, limits, and features. Explore our complete directory to compare additional options.

Browse all business banks →

How to Choose a Bank for ACH Transfers

Consider these factors when evaluating business banks for ACH payments:

Transaction volume: High-volume businesses may benefit from per-item pricing or volume discounts
Speed needs: Determine if you need same-day ACH availability and whether the additional fees are worth it
Incoming vs outgoing ACH: Some banks charge differently for credits (outgoing) vs debits (incoming)
Same-day ACH availability: Not all banks support same-day ACH, and fees vary
Integrations: Online-first banks often offer better API and accounting software integrations
Approvals and controls: Consider multi-user access, approval workflows, and spending controls
User roles: Evaluate whether you need multiple users with different permission levels

Estimated ACH Costs

ACH costs vary significantly based on your transaction volume and bank pricing. For example, a business sending 500 ACH credits per month might see:

Free ACH banks: $0 per month (if ACH is included with account)
Per-transaction banks: $50–$175 per month (at $0.10–$0.35 per transaction)
Same-day ACH: Additional $0.50–$2.00 per transaction if used

Use our tools to calculate costs based on your specific needs:

ACH Fee Calculator — Estimate your monthly and annual ACH costs
ACH Fees Explained — Learn how banks charge for ACH transfers
ACH vs Wire vs RTP Comparison — Compare payment methods and costs

Find Hidden Bank Fees

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Alternatives and Considerations

Bank options vary significantly by business type, state, and underwriting requirements. Some banks may have industry restrictions, minimum balance requirements, or geographic limitations. Online banks may offer competitive ACH pricing but may not support all business types or transaction volumes.

For a more personalized comparison based on your specific business needs, consider:

Compare Business Banks

Frequently Asked Questions

Do business banks charge per ACH transfer?

Most traditional banks charge per ACH transaction, typically $0.10 to $0.35 per item. However, many online-first banks include free ACH transfers with their business accounts. Fees may vary based on account type, volume, and whether you use same-day ACH.

What is the difference between ACH credit and ACH debit?

ACH credits are outgoing payments you initiate to send money to others. ACH debits are incoming pulls where someone withdraws money from your account with authorization. Fees may differ: credits often cost $0.10 to $0.35 per item, while debits may cost $0.15 to $0.50 per item depending on your bank.

Is same-day ACH worth it?

Same-day ACH typically costs an additional $0.50 to $2.00 per transaction on top of standard ACH fees. It may be worth it if you need funds to arrive the same day but want to avoid wire transfer costs. Consider your urgency and whether the extra fee fits your budget.

How can I lower ACH fees?

Options include switching to banks that offer free ACH transfers, negotiating volume discounts with your current bank, bundling ACH into treasury management packages, or consolidating payments to reduce transaction count. High-volume businesses may qualify for better rates.

What if I also need wire transfers?

Many business banks support both ACH and wire transfers. Traditional banks typically offer both, while some online banks may have limited wire transfer capabilities. Consider banks that support multiple payment methods if you need flexibility for different payment types.