Top 12 based on variable annual percentage yield (APY %):

APY	Institution	Min to Open	ATM Network	Monthly Fee	Perks
4.33%	Mercury →	$0	55K+	$0	$600K+
4.33%	Silicon Valley Bank →	$0	/	$0	$300K+
4.33%	BridgeBank →	$0	/	$0	$10K+
4.32%	Rho →	$1M	/	$0	$0
3.96%	Brex →	$0	/	$0	$0
3.5%	LiveOakBank →	$100	55K+	$0	$0
2%	Bluevine →	$0	37K+	$0	$0
1.51%	Grasshopper →	$100	46K+	$0	$0
1.5%	Lili →	$0	38K+	$0	$0
1.5%	LendingClub Bank →	$100	20K+	$10	$0
1.3%	American Express →	$0	61K+	$0	$0
1.01%	Axos Bank →	$100	91K+	$0 - $10	$0

Startup banking vs. traditional business bank account

Startup banking provides an integrated stack of technology and financial services facilitating money management as well as connectivity between third-party apps and banking services.

	Startup	Business
APY	High	Low
Checking Account	Yes	Yes
Savings Account	Yes	No
Merchant Services	Yes	No
Cash Management	Yes	No
Debit Card	Available	Available
Credit Card	Available	Not available
Line of Credit	Yes	No
Minimum Balance	Not required	Required
ACH Transfers	No fee	Fee based
Wire Transfers	No fee	High fee
International Transfers	No/Low fee	High fee
F/X	Low fee	High fee
Withdrawals	Unlimited	Unlimited
Deposits	Unlimited	Unlimited
Cash Deposits	N/A	Fee based
ATM Access	Yes	Yes
Online Only	Yes	No
API Access	Yes	No
Third-Party Integrations	Yes	No
Perks	Yes	No

Perks include discounts on cloud computing, infrastructure, compliance, collaboration, sales, tax, accounting and HR services, helping startups stay focused on shipping products and eliminating administrative burden running a business.