Uploaded June 2026 | Updated September 2026, 2 weeks ago
Affiliate Disclosure: This video is sponsored by BlueVine. We earn a commission if you use the links below, which helps support the channel!
Discover the best business bank accounts by comparing fees, features, online banking, integrations, cash management tools, and overall value for small businesses.
💥Affiliate Links Included👇
👉 Get BlueVine ➔ bit.ly/4pqnvCw
🔹DISCLOSURE🔹
This video is supported by BlueVine, but our content remains completely independent. Some links are affiliate links that can give you access to the best deal available. Purchasing through these links provides a small commission that helps support this channel.
💼 *Business Inquiries:*
For sponsorships and collaborations, please contact us at sponsorship@hmetech.com
Timestamp Sections:
00:00 Intro
00:56 Why Business Bank Account is Important
01:27 Bluevine-About
02:04 Bluevine-Features
03:12 Bluevine-Pricing
04:37 Novo-About
05:46 Novo-Limitation
06:30 Novo-Pricing
06:57 Mercury-About
07:19 Mercury-Features
08:32 Mercury-Limitation
09:13 Mercury-Pricing
10:05 Final Verdict
11:02 Outro
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Choosing the Right Business Bank Account
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Picking the right business bank account isn’t just about storing money—it’s about choosing a financial partner that makes running your business easier. A good business bank should offer a clean, easy-to-use interface, transparent pricing with no hidden fees, useful tools like budgeting or accounting integrations, and the ability to scale as your business grows. While interest-bearing accounts can be a bonus, most modern online business banks focus more on flexibility, automation, and cost savings. In this video, we break down what actually matters when choosing a business bank and why Relay, Found, Novo, and Mercury stand out this year for different types of business owners.
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Relay, Found, Novo, and Mercury Explained
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Relay is ideal for businesses with teams, offering multiple sub-accounts, spending controls, custom debit cards, and powerful reporting—all with zero fees. Found is built specifically for freelancers and gig workers, combining business banking with automatic tax tracking, invoicing, and expense management in one simple app. Novo shines for digital-first businesses thanks to its deep integrations with tools like Shopify, Stripe, and QuickBooks, automating bookkeeping and payments without monthly fees. Mercury is designed for startups and tech-focused businesses, offering sleek tools for financial planning, sub-accounts, and seamless payment integrations, making it a strong choice for fast-growing companies.
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Credit Cards, Limitations, and Final Takeaways
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Each platform also approaches credit differently: Relay offers a 1.5% cash-back Visa card for eligible businesses, Novo is rolling out a business credit card with up to 2% cash back, and Mercury provides an invite-only rewards card ideal for startups building credit, while Found avoids credit cards entirely to keep freelancers debt-free. None of these banks currently offer interest on deposits, so pairing them with a high-yield savings account may make sense. Ultimately, the right choice depends on your business—Relay for teams, Found for freelancers, Novo for integration-heavy workflows, and Mercury for startups. Links in the description provide access to the best available deals for each option.
Hope you enjoyed my Best Business Bank Account | Which Online Bank is Actually Worth Using?Video.
Affiliate Disclosure: This video is sponsored by BlueVine. We earn a commission if you use the links below, which helps support the channel!
Discover the best business bank accounts by comparing fees, features, online banking, integrations, cash management tools, and overall value for small businesses.
💥Affiliate Links Included👇
👉 Get BlueVine ➔ bit.ly/4pqnvCw
🔹DISCLOSURE🔹
This video is supported by BlueVine, but our content remains completely independent. Some links are affiliate links that can give you access to the best deal available. Purchasing through these links provides a small commission that helps support this channel.
💼 *Business Inquiries:*
For sponsorships and collaborations, please contact us at sponsorship@hmetech.com
Timestamp Sections:
00:00 Intro
00:56 Why Business Bank Account is Important
01:27 Bluevine-About
02:04 Bluevine-Features
03:12 Bluevine-Pricing
04:37 Novo-About
05:46 Novo-Limitation
06:30 Novo-Pricing
06:57 Mercury-About
07:19 Mercury-Features
08:32 Mercury-Limitation
09:13 Mercury-Pricing
10:05 Final Verdict
11:02 Outro
------------------------------------------------
Choosing the Right Business Bank Account
------------------------------------------------
Picking the right business bank account isn’t just about storing money—it’s about choosing a financial partner that makes running your business easier. A good business bank should offer a clean, easy-to-use interface, transparent pricing with no hidden fees, useful tools like budgeting or accounting integrations, and the ability to scale as your business grows. While interest-bearing accounts can be a bonus, most modern online business banks focus more on flexibility, automation, and cost savings. In this video, we break down what actually matters when choosing a business bank and why Relay, Found, Novo, and Mercury stand out this year for different types of business owners.
------------------------------------------------
Relay, Found, Novo, and Mercury Explained
------------------------------------------------
Relay is ideal for businesses with teams, offering multiple sub-accounts, spending controls, custom debit cards, and powerful reporting—all with zero fees. Found is built specifically for freelancers and gig workers, combining business banking with automatic tax tracking, invoicing, and expense management in one simple app. Novo shines for digital-first businesses thanks to its deep integrations with tools like Shopify, Stripe, and QuickBooks, automating bookkeeping and payments without monthly fees. Mercury is designed for startups and tech-focused businesses, offering sleek tools for financial planning, sub-accounts, and seamless payment integrations, making it a strong choice for fast-growing companies.
------------------------------------------------
Credit Cards, Limitations, and Final Takeaways
------------------------------------------------
Each platform also approaches credit differently: Relay offers a 1.5% cash-back Visa card for eligible businesses, Novo is rolling out a business credit card with up to 2% cash back, and Mercury provides an invite-only rewards card ideal for startups building credit, while Found avoids credit cards entirely to keep freelancers debt-free. None of these banks currently offer interest on deposits, so pairing them with a high-yield savings account may make sense. Ultimately, the right choice depends on your business—Relay for teams, Found for freelancers, Novo for integration-heavy workflows, and Mercury for startups. Links in the description provide access to the best available deals for each option.
Hope you enjoyed my Best Business Bank Account | Which Online Bank is Actually Worth Using?Video.
