April 11, 2025

Best Banks for Small Business in Kansas

By Alyssa Supetran
Read more about Best Business Bank Account
Editorial Note: This content is not provided by the companies mentioned. Opinions expressed here are author's alone, and have not been reviewed, approved or otherwise endorsed by the companies.
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Running a small business in Kansas? U.S. Bank, Equity Bank, and Bluevine are some of the best banks for small businesses in the Sunflower State.

Which bank is the best for a small business in Kansas?
These are the 10 best banks for small businesses in Kansas:
  1. Equity Bank for local business banking
  2. Emprise Bank for SBA loans
  3. U.S. Bank for national bank with free checking
  4. Bank of America for flexibility
  5. Meritrust Credit Union for local credit union
  6. Chase Bank for built-in credit card processing
  7. Capital One for unlimited free transactions
  8. Bluevine for high-interest checking accounts
  9. Axos Bank for minimal fees
  10. Lili for startups and small business owners

Due to Kansas's economic and environmental challenges, resilience and adaptability are must-have qualities for entrepreneurs. Still, it takes more than grit to thrive in today's market. You also need the support of a good bank.

From national banks like U.S. Bank to online-only alternatives like Bluevine, this guide walks you through the top banking options in the Sunflower State. See which one best suits your needs.

10 Best Banks for Business Accounts in Kansas

Whether it's a small retail store or a family farm, these banks offer the necessary support to help your Kansas-based business thrive.

Equity Bank

Best for: Local banking & multiple checking options

Equity Bank is a local community bank based in Wichita, Kansas, with 35+ branches across the state—mostly in Wichita and Liberal.

Its wide selection of business services ranges from business accounts to treasury management solutions. Combined with its understanding of local businesses' needs, it's a solid choice if you need extensive services and strong support.

You've got several business checking options, including specialty accounts for sole proprietors and nonprofits. The Small Business Checking, in particular, is great for low-to-moderate activity. It has no monthly fee or minimum balance requirement, so you can focus more on running your business and less on the costs.

Its business checking accounts integrate with QuickBooks, Quicken, and Mint. No need to manually import your company's financial data every time, making budgeting and monitoring transactions much easier.

Are you a sole proprietor?
Equity Bank's Sole Proprietor Checking account can make things easier for you. It has no monthly fee or minimum balance requirements. Plus, it allows unlimited check writing and bill payments. These can help you keep your one-person team running as smoothly as possible.

Pros:

  • Extensive business services
  • Multiple business checking options
  • Integrates with QuickBooks, Quicken, and Mint
  • Unlimited check writing (sole proprietor account)

Cons:

  • Many banking fees like overdrafts and wires[1]
  • Must contact them to open business checking accounts

Need additional capital to support your growing business? This next pick is a great go-to for local small businesses.

Which banking service do you need for your small business in Kansas?

Emprise Bank

Best for: SBA loans & industry-specific solutions

Emprise Bank is another local community bank based in Wichita, Kansas, with over 30 branches across the state. It's worth checking out if you need a business loan to cover expenses and shortfalls.

As a preferred SBA lender, Emprise Bank can give you that much-needed financial boost as soon as possible—avoiding costly business delays and interruptions.

Additionally, it offers custom banking solutions to businesses in certain industries, like medical practices and agribusinesses. Get access to services and financing designed specifically for your field.

Emprise Bank also prioritizes building strong, lasting relationships with its customers so you enjoy excellent customer service. It even has Business Banking Centers where you can get personalized advice and guidance from its team of experienced bankers.

Don't have the time to drop by a branch?
You can book a video appointment instead. Get hands-on support from one of Emprise Bank's banking specialists without leaving the comfort of your home or office.

Pros:

  • Preferred SBA lender
  • Tailored solutions available
  • Great customer service
  • Dedicated branches for business banking

Cons:

  • Many banking fees like overdrafts and wires[2]
  • Higher balance requirement to waive the monthly fee for Business Interest Checking

U.S. Bank

Best for: National bank with free checking

U.S. Bank is a national bank with a small but decent footprint in Kansas. It has around 25 branches, most in Johnson and Shawnee counties—an advantage for businesses based there.

The U.S. Bank Business Essentials account combines business checking and card payment acceptance in one streamlined solution, all without monthly fees.

Accept payments, track cash flow, and access your funds same-day, all from one account. Plus, you get a free mobile card reader, unlimited digital transactions, and the ability to sync with your accounting software for real-time insights.

U.S. Bank also offers a wide range of business credit cards, startup-friendly loans, and personal banking products—so you can keep both your business and personal banking under one roof.

Pros:

  • Free checking account with built-in payment processing
  • Other specialty business checking options
  • Extensive ATM network for no-fee withdrawals

Cons:

  • Limited fee-free paper transactions
  • Fewer features than others

Bank of America

Best for: Flexibility and cash management

Bank of America's footprint in Kansas isn't as extensive as in other states, with only around 20+ local financial centers. But it's still worth checking out if flexibility is one of your top priorities.

Bank of America offers a unique flexible Business Advantage Banking account with two tiers you can switch between. The basic tier is an ideal starting point, thanks to its low requirements. You can seamlessly move up or down as your business needs change.

It also has better digital tools than other basic accounts. With the Cash Flow Monitor and Connected Apps, you can connect to apps like QuickBooks and Expensify to track your business metrics all in one place. Plus, get cash flow projections to help you plan for possible shortfalls.

If you need help, Bank of America's dedicated business specialists provide valuable advice and hands-on support. You can reach them by phone, or schedule an appointment for an in-person consultation if a phone call isn't enough.

Pros:

  • Flexible business checking
  • Built-in cash management tools
  • Access to dedicated business banking specialists

Cons:

  • High balance requirement for higher-tier business checking[3]
  • Many miscellaneous banking fees like overdrafts and wires

Not sure about using a traditional bank? Credit unions can be great alternatives, especially for lower fees and unique perks.

Meritrust Credit Union

Best for: Local credit union

Meritrust Credit Union is a local credit union based in Wichita, Kansas. Although it only has 15 branches in Kansas, you can still access its services almost anywhere in the country, thanks to shared branching.

Credit unions are great alternatives to traditional banks because they offer benefits like lower fees and competitive rates. Meritrust's members, in particular, enjoy perks like special rates on business insurance and a dedicated team for business accounts.

While not as extensive as regular banks, Meritrust CU still has a great selection of business services. From business loans and credit cards to treasury management solutions, you can get most of what you need from one institution.

When you sign up for a Meritrust CU membership, you're a member for life. Unless you close your account, you'll enjoy the credit union's benefits even when you move to a different state or change jobs.[4]

Meritrust CU offers a business credit card that earns points every time you use it for purchases. Exchange them to redeem rewards like cash back or gift cards for additional savings.

Pros:

  • Access to 5,000+ shared branches
  • Unique member-exclusive perks
  • Good selection of business services
  • Lifetime membership

Cons:

  • Low monthly limits for regular business checking accounts
  • No online application for business accounts

Does your business process a lot of credit card transactions? This next option might be a good fit.

Chase Bank

Best for: Built-in credit card processing

Chase Bank is another national bank with a smaller presence in Kansas. It has around 10 branches, most in Jonhson county—making it a viable choice if you're based there.

Chase is a great option if your small business accepts credit card payments from customers. It's good for small retail stores, restaurants, and service-based businesses.

The Chase Business Complete Banking account includes built-in credit card processing. No need for a separate merchant account.

With the QuickAccept feature, all payments are deposited into your account on the same day. So you can keep your cash flow moving and prevent business interruptions.

Chase also has excellent customer service and a wide selection of business products. In particular, its popular business credit cards give generous cashback and travel rewards.

Chase Bank often offers new customers bonuses for opening business bank accounts. Check back regularly to see current promotions.

Pros:

  • Checking with built-in payment processing
  • Highly rated mobile app
  • Unlimited electronic transactions
  • Offers promotions for new customers

Cons:

  • Many banking fees
  • Low interest rates

Traditional banks usually limit the number of free transactions you can do monthly. If your business has a high activity volume, consider this next option.

Capital One

Best for: Unlimited fee-free transactions

Capital One doesn't have physical branches in Kansas. However, it's still worth checking out if you have an online business or if in-person transactions aren't necessary.

Capital One can be a great option for highly active businesses. It gives you unlimited free transactions for deposits, withdrawals, and money transfers. Process all business transactions without worrying about it becoming too costly.

Plus, enjoy free withdrawals at any of the over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs nationwide.

In addition, Capital One has a wide selection of other banking products designed specifically with small businesses in mind. You can get business credit cards, savings accounts, and credit card processing services all from one bank.

Pros:

  • Unlimited free transactions
  • Extensive ATM network
  • Wide selection of small business banking products

Cons:

  • High waiver requirements for monthly fees

Bluevine

Best for: High-interest checking accounts

If you don't mind an online-only option, Bluevine is a great alternative to traditional brick-and-mortar banks. It stands out with its high-yield business checking and flexible lines of credit.

Even at the basic tier, you earn up to 1.3% APY on balances up to $250,000 with monthly eligibility requirements; 0% APY on balances over $250,000. There are no monthly fees, minimum balance requirements, or overdraft fees.

You can also create and send unlimited free branded invoices and share secure payment links powered by Stripe. These links allow customers to pay using multiple methods, with funds deposited directly into your Bluevine account.

Plus, with the free Standard plan, you can open up to five sub-accounts, each with its own account number. This allows you to organize your funds better and set budgets for payroll, taxes, and vendor payments. You can even set custom rules and permissions for better security and account management.

All sub-accounts also earn interest up to the combined maximum. You can keep your funds well-organized and still get the most out of your high-yield checking account.

Need extra funds to ride out a slow season or grow your business?
Bluevine offers a flexible business line of credit up to $250,000.[5] Decisions take as little as 5 minutes, so you can keep moving forward.

Pros:

  • High APYs on checking balances
  • Free sub-accounts
  • No monthly fees
  • Free withdrawals at approximately 40,000 MoneyPass ATMs
  • Free unlimited invoicing and payment links

Cons:

  • No physical branches
  • Fees for cash deposits

Bluevine is not a bank.
It partners with Coastal Community Bank, Member FDIC, and a trusted network of program banks to provide FDIC insurance up to $3 million.

Axos Bank

Best for: Minimal fees & free basic business checking

Axos is a full-service online bank, so it has no physical branches. But it's still a solid option for small businesses in Kansas thanks to its lower fees.

The Basic Business Checking account has no monthly fees and gives you unlimited free transactions for deposits, withdrawals, and incoming wire transfers. You also get up to two outgoing domestic wire reimbursements monthly.

Need to withdraw cash? Use any ATM you want, with unlimited domestic ATM fee reimbursements nationwide. You can also make cash deposits at participating machines.

Axos business banking customer support is available Monday-Friday 6 a.m. to 6 p.m. PT (except federal holidays). Help is just a call or email away.

Pros:

  • Free business checking option
  • Minimal fees
  • Unlimited domestic ATM fee reimbursements
  • Dedicated customer support

Cons:

  • No physical branches
  • Limited integrations

Lili

Best for: Startups and small business owners

Lili is another online-only option worth considering for small business owners in Kansas.

The basic checking option is a great starter account for startups and small businesses, as it covers the essentials for day-to-day operations. Plus, it has no monthly service fees or minimum balance requirements to worry about.

But if you want more features, like an automatic tax savings account or expense tracking, you can always upgrade to Lili’s paid plans. The Smart checking option includes accounting software to keep your records well-organized and ready for the next tax season.

You can also get multiple Visa® debit cards with any account and earn cashback rewards when you use them with Lili's partner merchants.[6] Worried about overspending? You can set individual spending limits to keep your expenses within budget.

Lili's Early Access feature lets you receive customer payments up to two days earlier than expected when you’re paid via ACH Transfer.[7]

Pros:

  • Free checking option
  • Single login for multiple accounts
  • Debit cards with cashback rewards
  • Early access for direct deposits
  • up to 4.00% APY on savings

Cons:

  • Limited features for the free Lili Core plan
  • Fees for cash deposits

Lili is a financial technology company, not a bank.
Banking services are provided by Sunrise Banks, N.A., Member FDIC.

How to Choose the Right Bank

Before committing to a bank, be sure they have the features you're looking for. Consider these:

  • Monthly fee & minimum balance
    Some banks require a minimum balance in your account. Otherwise, you'll pay a monthly fee. See if the requirement makes sense for your business. Some of our listed banks have no minimums and no monthly fees.

  • Monthly transaction limits
    Most business checking accounts cap the number of free transactions your account can do monthly. Then a fee is charged thereafter. Pick an account that can accommodate your transaction volume.

  • Cash deposits
    Does your business deal with a lot of cash? Most accounts offer fee-free cash deposits up to a certain amount per month.

  • Accessibility
    Most of the banks on our list have a good number of branches and ATMs in Kansas. However, it's still best to check the availability of your chosen bank in your area, and how convenient it would be for you on a day-to-day basis.

    You can try online-only options like Bluevine or Axos if you don't need a physical branch. They usually offer better fees and higher rates than brick-and-mortar banks.

  • Small business loan options
    Sometimes, it's easier to get a loan from the same bank you use for checking since you have an established relationship. See what loan options the bank has and their terms.

  • Customer support
    You should be able to get help as soon as you need it. Get a sense of the bank's customer service for small business owners. Some banks have small business specialists who can give you more tailored guidance.

  • Mobile app
    Many business owners bank on the go. Having a reliable mobile banking app is a must.

  • Software integration
    Does the bank integrate with any accounting software, like QuickBooks, Freshbooks, or Xero? This helps save time and hassle when it comes to bookkeeping and tax reporting.

What's most important to you when choosing a small business bank?

Why Have a Business Bank Account

It's important to separate your business finances if you have an LLC or corporation in Kansas. Doing so helps protect your personal assets if your business gets sued or has unpaid debt.

While this isn't a requirement for sole proprietors, having a separate business bank account will make your life easier.

Here's why you should have a business bank account:

  • It's easier to calculate business expenses during tax time.
  • The business looks professional to customers and vendors.
  • Pay bills and make purchases from your business funds.
  • Accept credit card payments from customers.
  • Apply for business loans.

What kind of bank account should I open for my small business?
Your business should have at least a checking account for day-to-day operations like paying bills, receiving deposits, and making purchases. If your business has extra funds, open a business savings account to save for emergencies and plans.

Methodology

To come up with the best banks for small businesses in Kansas, we first pinned down banks with a strong presence in the state. After all, you need to be able to find branches and ATMs easily.

Then, we looked into the banks' fees, account features, and other business services. We mostly picked banks that have a free business checking option or reasonable waiver requirements.

We also looked for unique banking features, like built-in payment processing, cash management tools, and integrations with accounting software. No matter what your business needs, you should find a bank that can accommodate them.

FAQs

Do I need a Kansas ID to open a business bank account in Kansas?
Yes, most banks in Kansas require proof of residency to open a business bank account. This usually includes a Kansas driver's license, business license, and business registration.

Should a Kansas LLC have a separate bank account?
Yes, it should. A separate bank account can reinforce your Kansas LLC's liability protection by proving you're not commingling funds.

What is the minimum to open a business account?
The minimum amount needed to open a business account can range from $0 to $1,000. It varies from bank to bank, so it's best to check with your preferred bank.

Can I use a regular bank account for my small business?
It's best to have a dedicated business bank account for your small business. Aside from liability protection, it also helps keep your finances organized.

Can I open a business bank account with bad credit?
Banks generally don't do a credit check when you open a checking or savings account. So, it's still possible to open a business bank account with low personal credit.

Banks may still check your ChexSystems report. If you had problems with your personal account, that may affect your ability to open a business bank account. If you think that'll be an issue, consider banks that don't use ChexSystems.

Bottom Line

For Kansas' local businesses, U.S. Bank is one of the best banking options available because of its extensive local presence, free checking account, and convenient digital tools.

There are other great options as well. Local banks like Equity Bank are great for local expertise and support, while online-only choices like Bluevine often have lower fees and higher APYs than traditional banks.

No matter what type of bank it is, make sure to think about your business's unique requirements before deciding on one.

References

  1. ^ Equity Bank. List of Services and Fee Schedules, Retrieved 02/08/2025
  2. ^ Emprise Bank. Schedule of Charges, Retrieved 02/07/2025
  3. ^ Bank of America. Business Schedule of Fees, Retrieved 01/05/2026
  4. ^ Meritrust Credit Union. Membership Benefits, Retrieved 02/11/2025
  5. ^ Bluevine. Line of Credit, Retrieved 02/23/2025
  6. ^ Lili. Business Banking Designed to Help You Succeed | Lili, Retrieved 02/23/2025
  7. ^ Lili. What is Early Access for ACH Transfers? - Help Center | Lili, Retrieved 02/23/2025

Alyssa Supetran is a research analyst at CreditDonkey, a credit card comparison and reviews website. Write to Alyssa Supetran at alyssa@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

Bank of America
Member FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

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Expires in 4 days
  • The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new checking customers only.
  • Offer expires 1/31/2026.
  • To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
    Cash BonusTotal Qualifying Direct Deposits
    $100$2,000
    $300$5,000
    $500$10,000+
  • If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
  • Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
  • Additional terms and conditions apply. See offer page for more details.
  • *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
  • Bank of America, N.A. Member FDIC.

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