Free plans only

7 Best Free Business Savings Accounts of 2026

By the Rankozo research desk · Updated November 11, 2026

7 of the 9 tools in our best business savings accounts ranking offer a permanent free plan. Live Oak Bank Business Savings scores highest among them at 8.8 out of 10.

1. 01

   Live Oak Bank Business Savings

   Business owners who want one flat, high rate on every dollar of their reserve without fees, minimums or a paid plan.

   No monthly maintenance fee; no minimum opening deposit

   Full entry, No. 1 overall

   Paid from

   Free

   Score 8.8

2. 02

   Lili High-Yield Savings

   Freelancers and small businesses that want a no-fee business account with savings attached and room for balances up to $1 million.

   Free Core plan; paid plans from $15 per month ($9 for the first 3 months)

   Full entry, No. 2 overall

   Paid from

   $15

   Score 8.7

3. 03

   Grasshopper Innovator Savings

   Businesses with at least $25,000 in reserves that want a high tiered rate and coverage well beyond $250,000.

   No monthly maintenance fee; $100 minimum opening deposit

   Full entry, No. 3 overall

   Paid from

   Free

   Score 8.6

4. 04

   Relay

   Growing teams that want many checking accounts, savings and bill pay in one place and may pay for a plan.

   Free Starter plan; paid plans from $30 per month

   Full entry, No. 6 overall

   Paid from

   $30

   Score 8.4

5. 05

   Bluevine Business Checking

   Small businesses that would rather earn interest in their operating account than move money to a separate savings account.

   Standard plan with no monthly fee; Plus $30 per month, Premier $95 per month

   Full entry, No. 7 overall

   Paid from

   $30

   Score 8.3

6. 06

   Mercury

   Startups and funded companies with $250,000 or more that want yield from money market funds and Treasury ladders.

   Checking and savings free; Mercury Plus from $29.90 per month billed annually

   Full entry, No. 8 overall

   Paid from

   Free

   Score 8.2

7. 07

   American Express Business Savings

   Amex card members who want business savings and checking with the same company and 24/7 support.

   No monthly maintenance fee and no minimum balance

   Full entry, No. 9 overall

   Paid from

   Free

   Score 7.9

Scores and prices come from our Best Business Savings Accounts ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com