Finding a bank that seamlessly integrates with QuickBooks is crucial for small business owners, as it streamlines bookkeeping by reducing manual data entry and errors. Many banks and financial technology (fintech) companies offer this integration, so it’s important to explore their additional features. Here, I’ve reviewed the 10 best banks that integrate with QuickBooks.
- Best overall bank that integrates with QuickBooks: Chase
- Best for small businesses with low transactions: U.S. Bank
- Best for earning high interest: Bluevine
- Best for large-scale startups needing more FDIC insurance
: Mercury - Best for quick payments through Novo Boost: Novo
- Best high-yield bundled business accounts and free payment software: Grasshopper Bank
- Best for self-employed professionals: Found
- Best for teams needing more accounts and debit cards: Relay
- Best for expanded FDIC coverage and unlimited ATM fee refunds: Axos Bank
- Best high-APY savings and SBA financing: Live Oak Bank
Best banks that integrate with QuickBooks quick comparison
Below, I summed up the top features I considered for the 10 financial providers. Here is our list of banks that integrate with QuickBooks Online.
Chase: Best overall bank that integrates with QuickBooks
Our rating: 4.31 out of 5
Chase is my top pick for the best banks that integrate with QuickBooks. This full-service bank automatically transfers credit card payment data and bank transactions from your business account to your QuickBooks Online accounts daily. This includes card sales, refunds, fees, chargebacks, income, and expenses, making it easy to reconcile your bank accounts. Chase offers three business checking accounts with waivable fees, in-person banking in multiple states, and efficient tools and services.
Why I chose it
I chose Chase as my overall best bank for QuickBooks integration because it offers a full suite of business banking products and services and has a nationwide branch presence. The lowest-tier Chase Business Complete Checking® account provides 20 paper transactions, unlimited electronic transactions, and a monthly cash deposit allowance of $5,000. You’ll also get a bonus of up to $500 when you open a new Business Complete Checking® account and meet the qualifying activities. The offer is valid until April 17, 2025.
Monthly fees
- Chase Business Complete Banking: $15; waivable by having any of these:
- $2,000 average daily balance.
- $2,000 Chase Ink Business Cards spend.
- $2,000 in deposits from Chase QuickAccept or other eligible Chase Payment Solutions transactions.
- Linked Chase Private Client CheckingSM, JPMorgan Classic Checking, or Private Client Checking Plus account.
- Meet Chase Military Banking requirements.
- Chase Performance Business Checking: $30; waivable by meeting a $35,000 or greater combined average daily balance (ADB) in qualifying business deposit accounts.
- Chase Platinum Business Checking: $95; waivable by meeting a $100,000 combined ADB across qualifying business deposit and investment accounts. The required ADB is $50,000 for a linked Private Client CheckingSM, JPMorgan Classic Checking, or Private Client Checking Plus account.
Features
- Free associate and employee debit cards upon request.
- Digital banking and branch locations in 48 states.
- Chase Bank QuickBooks integration.
- Built-in card acceptance through its mobile app.
- Fraud protection services.
- Payment and invoicing services via Chase Payment Solutions.
- Online and branch customer support.
- Welcome bonus for eligible new accounts.
Pros and cons
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U.S. Bank: Best for small businesses with low transactions
Our rating: 4.30 out of 5
U.S. Bank is a traditional bank that lets you take control of your financial data by allowing you to link your bank account with QuickBooks Online to oversee both your bank and credit card transactions. You can start by setting up your QuickBooks Online account. The bank offers three business checking options, a specialized nonprofit account, and several cash management and payment processing services.
Why I chose it
I recommend U.S. Bank’s starter account, Silver Business Checking, to small business owners who are just starting out, as it does not charge a monthly fee. Plus, you get 125 free monthly transactions and can deposit up to $2,500 monthly with no charges. Read our U.S. Bank business checking review to learn more about its fees and key features.
In addition, you can earn a bonus of up to $900 when you open a new, eligible U.S. Bank business checking account (promo code: Q1AFL25) and complete qualifying activities, subject to certain terms and limitations—offer valid through March 31, 2025. Member FDIC.
Monthly fees
- Silver Business Checking: $0.
- Gold Business Checking: $20; waivable by having any of these:
- A U.S. Bank Payment Solutions Merchant account.
- $10,000 average collected balance.
- $20,000 combined average collected business deposit balances.
- $50,000 combined average collected business deposits and outstanding credit balances.
- Platinum Business Checking: $30; waivable by having any of these:
- $25,000 average collected checking balance.
- $75,000 combined average collected business deposits and outstanding credit balances.
Features
- QuickBooks and ADP integrations.
- Zelle, point-of-sale (POS) solutions, and cash management services.
- Overdraft protection.
- Online and mobile banking.
- 50% discount on first check order.
- Check fraud prevention services.
- Remote deposit capture.
- Lending options include Small Business Administration (SBA) loans, lines of credit, term loans, and medical practice financing.
Pros and cons
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Bluevine: Best for earning high interest
Our rating: 4.22 out of 5
Bluevine is a top fintech company that offers high yields and a QuickBooks Online integration. You will find it easy to match your billing, transaction, and payee information on both platforms. Aside from QuickBooks, Bluevine has major integrations with many payment and accounting software. It also offers competitive interest for three business checking products, an excellent line of credit, a credit card with cashback rewards, and fast international business payments.
Why I chose it
What is great about Bluevine is it gives you different options for business checking accounts, which provide unlimited transactions. You can start with Bluevine Standard, which does not have a monthly fee, and enjoy a 1.5% APY of up to $250,000 when you meet qualifying activities. As your business scales, you can sign up for premium accounts and earn higher yields while reducing your fees on standard banking services, like wire transfers and same-day ACH transactions.
Monthly fees
- Bluevine Standard: $0.
- Bluevine Plus: $30; waivable by having:
- An ADB of $20,000 across your Bluevine checking account, including subaccounts.
- A spend of $2,000 monthly using your Bluevine debit card or credit card.
- Bluevine Premier: $95; waivable by meeting:
- An ADB of $100,000 across your Bluevine checking account, including subaccounts.
- A spend of $5,000 monthly using your Bluevine debit card or credit card.
Features
- QuickBooks, Xero, and Wave integrations.
- Compatible with Wise, Venmo, CashApp, and Square.
- International payments to 32 countries in 15 currencies.
- Lines of credit up to $250,000 at low rates.
- Business credit card with unlimited cashback and no annual fee.
- Offers a free checkbook
annually. - Free domestic incoming wire transfers.
- Cash deposit options at Green Dot and Allpoint+ ATMs.
Pros and cons
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Mercury: Best for large-scale startups needing more FDIC insurance
Our rating: 4.17 out of 5
Mercury, a fintech geared for tech startups, makes accounting a breeze by syncing bill payments, regular payments, and debit and credit card transactions from your Mercury account. Accounting records are auto-created in QuickBooks by assigning general ledger codes. Mercury also has solid business software integrations, resource-rich features for startups through investor connections and networking, a high APY Treasury product, and above-the-standard FDIC insurance coverage.
Why I chose it
Mercury is an outstanding option for startups and tech companies with substantial funds. I appreciate the advantage offered by Mercury Vault, which provides you peace of mind with an FDIC coverage of up to $5 million using a sweep network. Mercury’s fee-free business checking account is convenient with no minimum balance, opening deposit requirement, monthly fee, or transaction limit. Another perk is the IO Mastercard with cash back rewards and a high-yield Mercury Treasury
product that can help grow your funds.
Monthly fees
- Mercury Business Checking: $0.
- Mercury Plus: $35.
- Mercury Pro: $350.
Features
- Physical and virtual debit cards.
- QuickBooks and Xero accounting software integration.
- Compatible with Shopify, Stripe, Square, Zapier, Amazon, and PayPal.
- IO corporate card provides 1.5% auto cash back rewards.
- Can open a savings account when you have a checking account.
- Customized account access and 14 subaccounts.
- Advanced accounting automation is available under a subscription plan.
- Mercury investor database.
Pros and cons
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Novo: Best for quick payments through Novo Boost
Our rating: 4.09 out of 5
Novo, another outstanding fintech, provides QuickBooks bank integration. You can view all your accounting data from a single Novo dashboard. New users get a 30% discount on QuickBooks for the first six months. Novo provides a fee-free business checking account, up to $7 in monthly ATM fee refunds, low-cost international payments, and faster payment acceptance for Stripe users.
Why I chose it
As a business owner, you prefer to receive client payments faster. Novo offers this benefit through Novo Boost. Instead of waiting for days, I like that Novo lets you receive Stripe payments in a few hours. You can also send vendor payments via Express ACH, which allows same-day transfers. Another plus point is that Novo helps you organize your finances better. You can create up to 20 reserve accounts to set aside tax, payroll, and other business operation expenses.
Monthly fees
- Novo Business Checking: $0.
Features
- Low-fee international payments through Wise partnership.
- Integrations include QuickBooks, Stripe, Square, and PayPal.
- Unlimited and free customized invoices through the Novo app.
- Physical and virtual debit cards.
- No standard ACH fees.
- Free incoming wire transfers.
- Novo perks include discounts on QuickBooks, Stripe, and Google Cloud.
- Merchant cash advances financing up to $75,000 via Novo Funding.
Pros and cons
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Grasshopper: Best for high-yield bundled business accounts and free payment software
Our rating: 4.09 out of 5
Grasshopper is another great pick for the best banks with QuickBooks integration. It provides two business accounts, Innovator and Accelerator. If you’re a small business or mid-sized company, the Innovator Business Checking account is ideal. You save on monthly maintenance fees and earn interest. Meanwhile, startups can opt for an Accelerator account, which offers a higher APY when combined with a money market account.
Why I chose it
As a digital bank, Grasshopper scores high on convenience when opening a business account. It also offers an uncapped APY of up to 1.80% and increases the interest further when you bundle it with a money market savings product. You can transact without limits, earn cash back for your debit card purchases, and enjoy Autobooks
for free. In addition, you won’t absorb ATM fees when you withdraw at over 45,000 MoneyPass and SUM network ATMs.
Monthly fees
- Grasshopper Innovator Checking: $0.
- Grasshopper Accelerator Checking: $0.
Features
- Up to 3.30% APY when paired with an Accelerator Savings Account.
- Unlimited 1% cash back on online and signature-based purchases.
- Free physical and virtual Visa rewards debit cards.
- Free bill pay and check deposit services.
- Free domestic ACH and wire transfers for qualified balances.
- Autobooks, QuickBooks, and Plaid integrations.
- FDIC insurance of up to $125 million.
- US-based customer support via phone, email, chat, and secure message.
Pros and cons
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Found: Best for self-employed professionals
Our rating: 3.95 out of 5
Found, a fintech platform designed for self-employed professionals, lets you import your QuickBooks transaction details to track all income and expenses through its own bookkeeping system. Found’s all-in-one banking solution offers users auto expense tracking, customized invoicing, financial reporting, and budgeting tools. No credit checks are performed when opening a checking account.
Why I chose it
If you’re looking for a banking solution that streamlines finance management, I highly recommend Found for its built-in bookkeeping software, tax tools, and free invoicing services. It simplifies running your business, especially with a business checking account that has no hidden fees or balance minimums. You can auto-track and categorize your expenses, run reports, review tax estimates, and capture and save receipts, which saves you a lot of time. Cash deposits can also be made at over 80,000 retail locations.
Monthly fees
- Found Business Checking: $0.
- Found Plus: $19.99 per month or $149.99 per year.
Features
- QuickBooks integration and built-in Found bookkeeping software.
- Tax tools for payment, auto-saving, and write-offs.
- Free, unlimited, and customized invoices.
- Payment integrations include PayPal, Cash App, Square, Stripe, and Venmo.
- No credit checks.
- No ACH fees.
- No ATM fees (Found does not charge for ATM withdrawals, but third-party operator fees may apply).
- Found Plus offers 1.5% APY on balances up to $20,000, customized bookkeeping, and priority customer service.
Pros and cons
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Relay: Best for teams needing more accounts and debit cards
Our rating: 3.95 out of 5
Relay, a fintech company, helps to simplify your bookkeeping through direct syncing of your banking data with QuickBooks Online. Card purchases are auto-categorized, and check images are attached to your deposit transactions for detailed and accurate monthly reconciliation. Relay makes expense tracking easy by providing multiple business accounts and debit cards. Account permissions also let you delegate financial tasks, saving business owners time.
Why I chose it
Rapidly expanding businesses won’t need to worry whether their business checking accounts can keep up with their growth. They can open up to 20 reserve accounts and create up to 50 debit cards to help manage spending and track expenses in detail. You can also save on fees when you deposit or withdraw at Allpoint ATMs, which is rewarding for budget-conscious companies.
Relay offers unlimited transactions and fee-free cash deposits at Allpoint+ ATMs. In addition, you can deposit cash at over 90,000 Green Dot retail locations, but a fee of $4.95 per transaction can apply.
Monthly fees
- Relay Business Checking: $0.
- Relay Pro: $30; not waivable.
Features
- QuickBooks, Xero, Gusto, and Plaid integrations.
- Relay business savings accounts earn 1% to 3% interest.
- Shared account access with team members.
- Debit cards can be customized.
- No overdraft fees.
- $5 to $10 wire fees (Relay Business Checking) and $0 wire fees (Relay Pro).
- Relay Pro offers fee-free outgoing wires, same-day ACH, and more perks.
- Email and phone support.
Pros and cons
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Axos Bank: Best for expanded FDIC coverage and unlimited ATM fee refunds
Our rating: 3.83 out of 5
Axos Bank is an online-only bank offering business users integrated QuickBooks desktop and QuickBooks online versions. Aside from QuickBooks and ADP integrations, Axos has a full range of business banking products, such as savings accounts, money markets, CDs, lending, merchant services, and payroll services. Through Insured Cash Sweep (ICS), your business funds can be FDIC-insured up to $240 million. On top of that, the bank reimburses users for all domestic ATM fees.
Why I chose it
I chose Axos Bank because business owners can maximize their savings with the Basic Business Checking account’s unlimited domestic ATM fee refunds and waived monthly fees. You also get unlimited transactions and can make fee-free cash deposits at MoneyPass and Allpoint networks. However, if you opt to deposit at Green Dot retail locations, it will cost $4.95 per item.
The bank offers a welcome bonus of up to $400 when you open a new Axos business checking account (promo code: NEW400) and meet qualifying activities. The offer expires on September 30, 2025.
Monthly fees
- Basic Business Checking: $0.
- Business Interest Checking: $10; waivable with a $5,000 ADB.
Features
- Unlimited transactions for lowest-tier checking.
- QuickBooks and ADP integrations.
- No incoming wire fees and cash deposit fees at MoneyPass and Allpoint ATMs.
- FDIC insurance of up to $240 million via ICS.
- 1.01% APY for interest-bearing accounts.
- Two reimbursed domestic outgoing wires monthly.
- SBA loans and CRE loans.
- Remote deposit capture (60 items monthly).
Pros and cons
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Live Oak Bank: Best high-APY savings and SBA financing
Our rating: 3.74 out of 5
Live Oak Bank is another financial institution that allows you to link your account with QuickBooks. This online-only bank provides a high APY of 3.70%. Consider this bank if you’re looking for more earnings on idle funds. You won’t need to pay a monthly fee or an opening deposit. To start earning interest, you only need to keep a balance of one cent. In addition, you can protect your large balance (up to $10 million in FDIC insurance coverage) through an insured cash sweep program.
Why I chose it
Live Oak Bank’s competitive yield on its savings product makes it a solid candidate for the best banks offering a QuickBooks integration. It doesn’t require a steep amount of balance to earn interest compared to other banks. Additionally, Live Oak extends several business products, including business checking, certificates of deposit, and business financing, specifically SBA loans.
Monthly fees
- Live Oak Bank Business Savings: $0.
Features
- High-yield CDs.
- No incoming wire transfer fees.
- Integrates with QuickBooks.
- Up to $10 million in FDIC coverage through Insured Cash Sweep (ICS).
- Three business checking accounts are available.
- SBA loans and commercial lending.
- Live Oak Express loans from $10,000 to $500,000.
- Personalized customer service from a North Carolina-based team.
Pros and cons
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How to choose the best banks that integrate with QuickBooks
I looked at the following factors when evaluating and assigning a rating for the best banks for QuickBooks integration:
- Monthly fees and waiver conditions.
- Minimum opening deposit and required maintaining balances.
- Interest rate offered.
- ATM fees and transaction limits, including ATM network availability.
- Cash deposit options and limits.
- Wire transfer costs and limits.
- Account features.
- Business software integrations.
- Business products and services offered.
- Geographic locations.
- Customer support availability.
Methodology
Before creating the list of banks that integrate with QuickBooks Online, I carefully checked if the bank actually offers QuickBooks integration for seamless accounting. I researched the fee structures and focused on monthly fees, minimum opening balances, and any required balance requirements, including ATM fees. I also considered the APY, monthly transaction and cash deposit limits, and weighed in the convenience of having physical branches nearby. All of this was important to ensure you get the best fit for your needs.
Frequently asked questions
What bank does QuickBooks use?
QuickBooks (Intuit) is considered a fintech company, not a bank. However, its banking services are provided by its partner, Green Dot Bank, Member FDIC.
Can you link your bank account to QuickBooks?
Most banks support QuickBooks integration, even small credit unions. But if you cannot link QuickBooks to your bank account, you can still upload your transactions manually to your QuickBooks Online account.
How safe is it to connect a bank to QuickBooks?
It is very safe to link your bank account to QuickBooks. The company offers robust security measures, such as read-only bank connections, password protection, SSL and RSA encryptions, and more, to safeguard your financial data.
How many bank accounts can I connect to QuickBooks?
QuickBooks does not impose a maximum number of bank accounts that can be added to one QuickBooks Online company file.
Which banks work best with QuickBooks Online?
Any bank that supports QuickBooks Online is effective for integration.
What if my bank is not listed in QuickBooks?
Even if your bank is not listed, QuickBooks allows manual uploads. You can also easily request support for your bank through your QuickBooks Online account.
What banks does QuickBooks support?
QuickBooks supports a wide range of banks. To see a complete list of supported banks, please visit the QuickBooks website.
