Best digital banks in United States

The best digital banks in United States, ranked on the Bankz Trust Score™ — approval odds, all-in cost, speed and capabilities. Picks update live from verified, sourced data. No pay-to-rank.

Top picks — Best digital banks in United States

Bank
1NO Novo US · Novo Business Checking	Free · 84%Novo — Business Banking Pricinghttps://www.novo.co/pricingSource class: website · reliability 82%Last verified 10d agoNo monthly fee, no minimum balance.	None · 82%Novo — Business Banking Pricinghttps://www.novo.co/pricingSource class: website · reliability 82%Last verified 10d ago	1 days · 56%Bankz analyst desk — US (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	83/100 · A
2ME Mercury US · Mercury Business	Free · 84%Mercury — Pricing & Business Bankinghttps://mercury.com/pricingSource class: website · reliability 82%Last verified 10d agoNo monthly fee on the standard account.	None · 82%Mercury — Pricing & Business Bankinghttps://mercury.com/pricingSource class: website · reliability 82%Last verified 10d ago	2 days · 56%Bankz analyst desk — US (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	81/100 · A
3RE Relay US · Relay Business Banking	Free · 82%Relay — Pricinghttps://relayfi.com/pricingSource class: website · reliability 82%Last verified 10d agoFree plan with no monthly fee; Relay Pro paid tier adds faster payments and same-day ACH.	None · 80%Relay — Pricinghttps://relayfi.com/pricingSource class: website · reliability 82%Last verified 10d ago	2 days · 56%Bankz analyst desk — US (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	79/100 · B
4BR Brex US · Brex Business Account	Free · 80%Brex — Business Account & Cardshttps://www.brex.com/product/business-accountSource class: website · reliability 82%Last verified 10d agoCore business account advertised with no monthly fee; paid premium tiers exist.	None · 78%Brex — Business Account & Cardshttps://www.brex.com/product/business-accountSource class: website · reliability 82%Last verified 10d ago	2 days · 56%Bankz analyst desk — US (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	78/100 · B
5CH Chase US · Chase Business Complete Banking	$15 · 66%Chase — Business Complete Bankinghttps://www.chase.com/business/banking/business-complete-bankingSource class: website · reliability 80%Last verified 10d agoAdvertised monthly service fee, waivable via minimum balance or qualifying deposits/spend.	$2,000 · 58%Chase — Business Complete Bankinghttps://www.chase.com/business/banking/business-complete-bankingSource class: website · reliability 80%Last verified 10d agoIndicative balance to waive the monthly fee; verify current threshold.	3 days Bankz analyst desk — US (manual verification)Source class: human · reliability 90%Last verified 10d agoOften same-day in-branch; verification can extend it.	62/100 · B

Rating = Bankz Trust Score™ · every value sourced · no pay-to-rank. Tap a column to sort.

How we picked

✓Fully digital onboarding
✓Onboarding speed
✓App & API quality
✓All-in cost
✓Trust Score

Rankings come from the Bankz Trust Score™ and your-profile fit — no pay-to-rank. See the methodology →

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Frequently asked

What are the best digital banks in United States?

Digital and app-first providers onboard fastest and usually cost less all-in. The ranking above is built from verified, sourced data for United States.

Informational only — not financial advice. Verify all terms with the institution.