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Skip the fees by choosing free business checking. Here are 10 great options for free business bank accounts you can choose from.
Chelsea Krause is a writer who specializes in accounting, payroll, and small business loans. She has been with Merchant Maverick helping small business owners manage their finances since 2016. She is a QuickBooks Certified User and former eCommerce store owner. Her accounting expertise has been quoted in Forbes and her work appears in Startup Nation, Small Business Bonfire, and Women on Business. Chelsea graduated summa cum laude with a BA in English & Creative Writing from George Fox University and studied abroad at the University of Oxford as well. She currently resides in Boise, Idaho.
WRITTEN & RESEARCHED BY
Chelsea KrauseChelsea Krause is a writer who specializes in accounting, payroll, and small business loans. She has been with Merchant Maverick helping small business owners manage their finances since 2016. She is a QuickBooks Certified User and former eCommerce store owner. Her accounting expertise has been quoted in Forbes and her work appears in Startup Nation, Small Business Bonfire, and Women on Business. Chelsea graduated summa cum laude with a BA in English & Creative Writing from George Fox University and studied abroad at the University of Oxford as well. She currently resides in Boise, Idaho.
Lead Staff Writer
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Shelbi Wescott began working for Merchant Maverick in 2019 after 17 years as a journalism educator and publications advisor, where she has extensive knowledge of newsroom systems and editorial workflows. She has overseen multiple print and online publications and mentored hundreds of emerging writers. Shelbi is also an award-winning journalist, published author, and former small business owner with a Master of Arts in Teaching from Lewis and Clark College in Portland, Oregon.
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Shelbi WescottShelbi Wescott began working for Merchant Maverick in 2019 after 17 years as a journalism educator and publications advisor, where she has extensive knowledge of newsroom systems and editorial workflows. She has overseen multiple print and online publications and mentored hundreds of emerging writers. Shelbi is also an award-winning journalist, published author, and former small business owner with a Master of Arts in Teaching from Lewis and Clark College in Portland, Oregon.
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A free business checking account lets you keep more of your hard-earned money. So, how hard is it to find a free business checking account with no regular fees?
It’s not as hard as you might think. There are many free business checking accounts, especially with the rise of online business banks striving to gain customers by being competitive than traditional banks, which means fewer fees and more rewards for your business.
We’ve got you covered with this list of the 10 best free business checking accounts available for small businesses.
The best free business checking options meet all your business needs without taking any money out of your pocket. Here are the most compelling free business checking accounts with no monthly fees and little to no additional banking fees.
Why We Chose Square As The Best Free Business Checking Account For Integrations
Square's free business bank account gives you almost instant access to funds when you make a sale and follow up with a free Square Instant Transfer. You won't find monthly fees or any fees for wire transfers, ATM use, bill payment, or foreign transactions, and you will find compelling business integrations like Square payment processing, Square POS, and Square Invoices. Overall, Square is a great banking choice is you want multiple products in the Square ecosystem without having monthly banking fees.
Square Bank Rewards, Features, & Perks
Besides a None APY rate, Square banking’s biggest perk is the almost instant access to funds you get when you use the Instant Transfer option. Square also offers a discount when you use your Square debit card to make purchases from another Square seller.
Square Business Banking Yield and Cashback
Value
Checking APY
None
Savings APY
1.75%
CD APY
N/A
Treasury Account APY
N/A
Checking Cashback
None
You can find these features:
Square Business Banking Features
Availability
Incoming Domestic Wire Transfers
Outgoing Domestic Wire Transfers
International Wire Transfers
ACH
ATM
Cash Deposits
Mobile Deposits
Check
Virtual Cards or Digital Wallet
Bill Pay
Cash Flow Management
Reporting
Standard FDIC Insurance
Invoicing
Accounting Integrations
Square Banking Fees
Square has no monthly fees or regular recurring fees. Notably, this free checking account also comes with free, unlimited ACH payments.
Square Business Banking Category Fees
Value
Monthly Fee Range
$0/month
Monthly Checking Fee
$0/month
Monthly Savings Fee
N/A
ATM Fee
None
Overdraft Fee
N/A
ACH Fee
1%
Incoming Domestic Wire Transfer Fee
N/A
Outgoing Domestic Wire Transfer Fee
N/A
Incoming International Wire Transfer Fee
N/A
Wire Transfer Fee Start Point
N/A
Wire Transfer Fee Range
N/A
Cash Deposit Fee
N/A
Foreign Transaction Fee
0%
Excessive Transactions Fee
None
Stop Payment Fee
None
When To Choose A Square Checking Account
If you need payment processing, POS, and/or invoicing integrations
You need unlimited free ACH payments
You want instant access to funds
You already use Square for other business services
Why We Chose BlueVine As The Best Free Business Checking Account For High APY
There's a lot to like about BlueVine Business Checking, especially the lack of monthly fees, transaction fees, or transfer fees. Bluevine's high APY of 2.0% is a huge plus for this free business checking account. There's no additional savings account option, but with a high APY, Bluevine's checking account does the trick.
BlueVine Rewards, Features, & Perks
Bank with BlueVine, and you could also be eligible for a BlueVine line of credit. Your revolving line of credit will come with a 6 or 12-month term.
Bluevine Yield and Cashback
Value
Checking APY
up to 4.25%
Savings APY
N/A
CD APY
N/A
Treasury Account APY
N/A
Checking Cashback
None
You can find these features:
Bluevine Features
Availability
Incoming Domestic Wire Transfers
Outgoing Domestic Wire Transfers
International Wire Transfers
ACH
ATM
Cash Deposits
Mobile Deposits
Check
Virtual Cards or Digital Wallet
Bill Pay
Cash Flow Management
Reporting
Standard FDIC Insurance
Invoicing
Accounting Integrations
Bluevine Business Checking Fees
Bluevine has no monthly banking fees as well as unlimited, free ACH fees which is a huge plus. Incoming wire transfers are free, while outgoing wire transfers do have a small fee (which is fairly avoidable if you go the ACH route instead).
Bluevine Category Fees
Value
Monthly Fee Range
$0-$95/month
Monthly Checking Fee
$0-$95/month
Monthly Savings Fee
N/A
ATM Fee
$0 for in-network ATMs ($2.50 for out-of-network ATMs)
Overdraft Fee
$0
ACH Fee
None ($10 for same-day ACH transfers)
Incoming Domestic Wire Transfer Fee
$15
Outgoing Domestic Wire Transfer Fee
Varies
Incoming International Wire Transfer Fee
Varies
Wire Transfer Fee Start Point
$0
Wire Transfer Fee Range
$0-$25
Cash Deposit Fee
$4.95
Foreign Transaction Fee
Varies
Excessive Transactions Fee
None
Stop Payment Fee
Varies
When To Choose A BlueVine Business Checking Account
If you want a business checking account with high APY
You need unlimited, free ACH fees
You want a banking options that includes a line of credit
You don’t have large number of outgoing wire transfers or foreign transactions
Why We Chose Relay As The Best For Free Business Bank Account For Teams
Relay is an online banking platform that offers features aimed at growing businesses. Business owners can maintain up to 20 separate checking accounts and issue up to 50 physical and virtual debit cards to employees and set secure, role-based access and individual spending limits. Pair these team management perks with high APY and no monthly fees, and it's easy to see why Relay gets a spot on this list.
Relay Rewards, Features, & Perks
Relay offers an attractive APY on its savings options.
Account holders can request up to 50 virtual and physical cards for employees to use. You can set secure role-based access and spend limits for each card.
Relay Yield and Cashback
Value
Checking APY
None
Savings APY
1.00%-3.00%
CD APY
N/A
Treasury Account APY
N/A
Checking Cashback
None
You can find these features:
Relay Features
Availability
Incoming Domestic Wire Transfers
Outgoing Domestic Wire Transfers
International Wire Transfers
ACH
ATM
Cash Deposits
Mobile Deposits
Check
Virtual Cards or Digital Wallet
Bill Pay
Cash Flow Management
Reporting
Standard FDIC Insurance
Invoicing
Accounting Integrations
Relay Fees
Relay’s free checking account comes with no monthly fee and no fees for overdrafts, bounced checks, or most transfers. The only fees we found listed are associated with outgoing wire payments.
Relay Category Fees
Value
Monthly Fee Range
$0-$30/month
Monthly Checking Fee
$0-$30/month
Monthly Savings Fee
$0-$30/month
ATM Fee
None
Overdraft Fee
None
ACH Fee
0%
Incoming Domestic Wire Transfer Fee
$0
Outgoing Domestic Wire Transfer Fee
$10
Incoming International Wire Transfer Fee
$0
Wire Transfer Fee Start Point
$0
Wire Transfer Fee Range
$0-$10
Cash Deposit Fee
$0
Foreign Transaction Fee
1%
Excessive Transactions Fee
None
Stop Payment Fee
$34
When To Choose A Relay Business Checking Account
You want a free business checking account and free savings account
You need employee cards & employee spend management controls
You want to earn high APY while avoiding monthly fees
Why We Chose Grasshopper As The Best Free Business Checking Account For Rewards
Grasshopper gets a spot on this list for being one of the only free business checking accounts to offer both APY and cash-back rewards. With unlimited 1% cash back rewards, up to 1.80% APY, no monthly fee, and unlimited free transactions, it's easy to see why Grasshopper is one of our top free business checking account suggestions.
Grasshopper Bank Rewards, Features, & Perks
You’ll be able to issue and manage customizable and tokenized virtual and physical branded debit cards. Grasshopper banking customers have access to SBA lending, venture capital and private equity opportunities, and commercial real estate financing options.
Grasshopper Bank Yield and Cashback
Value
Checking APY
up to 1.80%
Savings APY
up to 3.30%
CD APY
N/A
Treasury Account APY
N/A
Checking Cashback
1%
You can find these features:
Grasshopper Bank Features
Availability
Incoming Domestic Wire Transfers
Outgoing Domestic Wire Transfers
International Wire Transfers
ACH
ATM
Cash Deposits
Mobile Deposits
Check
Virtual Cards or Digital Wallet
Bill Pay
Cash Flow Management
Reporting
Standard FDIC Insurance
Invoicing
Accounting Integrations
Grasshopper Fees
Grasshopper has no monthly fees and no ACH fees.
Grasshopper Bank Category Fees
Value
Monthly Fee Range
$0/month
Monthly Checking Fee
$0/month
Monthly Savings Fee
N/A
ATM Fee
$0
Overdraft Fee
$0
ACH Fee
$0
Incoming Domestic Wire Transfer Fee
$0
Outgoing Domestic Wire Transfer Fee
$25
Incoming International Wire Transfer Fee
$5
Wire Transfer Fee Start Point
$0
Wire Transfer Fee Range
$0-$25
Cash Deposit Fee
N/A
Foreign Transaction Fee
0%
Excessive Transactions Fee
N/A
Stop Payment Fee
$0
When To Choose A Grasshopper Business Checking Account
You want to maximize rewards with both cash back & APY earnings
You need unlimited, free ACH fees & no foreign transaction fees
Why We Chose Lili As The Best Basic Free Business Checking Account
If you're looking for a free business checking account with no frills, Lili may be just what you need. With four different accounts to choose from, Lili does charge monthly fees for three of its account choices. The Basic plan, however, will cost you $0/month. Lili's free Basic checking account comes with almost no fees. There are no monthly account fees or fees for ATM use, mobile check deposits, or foreign transactions, making Lili a great choice for small businesses looking to keep costs down. As your business grows, Lili does offer paid plans with built-in accounting features if you want them.
Lili Rewards, Features, & Perks
If you’re looking for a free business checking account with rewards, Lili is likely not for you. Most Lili perks are available only to members on one of the three paid plans.
All Lili customers have access to a fee-free nationwide ATM network. Lili banking does not include loans, lines of credit, or credit cards.
Lili Yield and Cashback
Value
Checking APY
None
Savings APY
3.65%
CD APY
N/A
Treasury Account APY
N/A
Checking Cashback
Varies
You can find these features:
Lili Features
Availability
Incoming Domestic Wire Transfers
Outgoing Domestic Wire Transfers
International Wire Transfers
ACH
ATM
Cash Deposits
Mobile Deposits
Check
Virtual Cards or Digital Wallet
Bill Pay
Cash Flow Management
Reporting
Standard FDIC Insurance
Invoicing
Accounting Integrations
Lili Fees
Lili has no monthly fees for its basic plan and unlike other options on this list, Lili doesn’t have foreign transaction fees. There’s also free, unlimited ACH transfers. There are no wire transfer fees because Lili does not support wire transfers.
In addition to its free business checking account, Lili offers three paid accounts.
Lili Category Fees
Value
Monthly Fee Range
$0-$35/month
Monthly Checking Fee
$0-$35/month
Monthly Savings Fee
$0-$35/month
ATM Fee
$0
Overdraft Fee
None (covers overdrafts up to $200)
ACH Fee
$0
Incoming Domestic Wire Transfer Fee
$0
Outgoing Domestic Wire Transfer Fee
N/A
Incoming International Wire Transfer Fee
N/A
Wire Transfer Fee Start Point
$0
Wire Transfer Fee Range
$0
Cash Deposit Fee
$0
Foreign Transaction Fee
0%
Excessive Transactions Fee
None
Stop Payment Fee
None
When To Choose A Lili Business Checking Account
You want a no frills, truly free business checking account
If you want no monthly fees, foreign transaction fees, or ACH fees
If you want the option to upgrade to high APY & built-in accounting down the road
Why We Chose Found As The Best Business Checking Account For Freelancers
Found doesn't have any recurring monthly payments -- what it does have is a collection of freelance-specific features like freelance expense tracking, automatic freelance deduction tracking, and self-employment tax support that makes this a standout free business checking account for freelancers. Found also comes with built-in payment processing capabilities via Stripeso you can get paid faster.
Found Bank Rewards, Features, & Perks
Found banking comes with unlimited transactions and built-in tax and bookkeeping tools that help you run your business smoothly. That includes unlimited customizable invoices.
Found Yield and Cashback
Value
Checking APY
up to 1.5%
Savings APY
N/A
CD APY
N/A
Treasury Account APY
N/A
Checking Cashback
None
You can find these features:
Found Features
Availability
Incoming Domestic Wire Transfers
Outgoing Domestic Wire Transfers
International Wire Transfers
ACH
ATM
Cash Deposits
Mobile Deposits
Check
Virtual Cards or Digital Wallet
Bill Pay
Cash Flow Management
Reporting
Standard FDIC Insurance
Invoicing
Accounting Integrations
Found Fees
Found charges no regular recurring fees. That means no monthly account fees and no fees for transfers, payments, or invoicing.
Found Category Fees
Value
Monthly Fee Range
$0-$19.99/month
Monthly Checking Fee
$0-$19.99/month
Monthly Savings Fee
N/A
ATM Fee
$0
Overdraft Fee
$0
ACH Fee
$0 (1.75% for instant deposit)
Incoming Domestic Wire Transfer Fee
$0
Outgoing Domestic Wire Transfer Fee
N/A
Incoming International Wire Transfer Fee
N/A
Wire Transfer Fee Start Point
$0
Wire Transfer Fee Range
$0
Cash Deposit Fee
$0
Foreign Transaction Fee
Varies
Excessive Transactions Fee
$0
Stop Payment Fee
$0
When To Choose A Found Business Checking Account
You are self-employed and need a bank account
You want freelance-specific banking features
You value Found’s freelance-specific features over traditional APY or cash back rewards
Why We Chose Mercury As The Best Business Checking Account For Startups
Mercury is a banking stack aimed at startups that offers business checking and savings accounts, a corporate charge card with cashback rewards, and a high-yield savings option for high balances. Additionally, Mercury offers its customers access to capital and venture debt, making it a good choice for new startups looking to grow.
Mercury Bank Rewards, Features, & Perks
Perks include discounts and promotional offers from Mercury’s software partners. Startups will appreciate these offers in areas like accounting, finance, advertising, eCommerce, hosting, and other software types.
Mercury Yield and Cashback
Value
Checking APY
None
Savings APY
None
CD APY
N/A
Treasury Account APY
up to 4.88%
Checking Cashback
up to 1.5%
You can find these features:
Mercury Features
Availability
Incoming Domestic Wire Transfers
Outgoing Domestic Wire Transfers
International Wire Transfers
ACH
ATM
Cash Deposits
Mobile Deposits
Check
Virtual Cards or Digital Wallet
Bill Pay
Cash Flow Management
Reporting
Standard FDIC Insurance
Invoicing
Accounting Integrations
Mercury Fees
Mercury has no monthly maintenance fees or overdraft fees. There are no ACH fees or wire transfer fees, even for outgoing or international wire transfers which is notable compared to other online banks.
Mercury Category Fees
Value
Monthly Fee Range
$0
Monthly Checking Fee
$0
Monthly Savings Fee
$0
ATM Fee
None
Overdraft Fee
None
ACH Fee
$0
Incoming Domestic Wire Transfer Fee
$0
Outgoing Domestic Wire Transfer Fee
$15
Incoming International Wire Transfer Fee
$0
Wire Transfer Fee Start Point
$0
Wire Transfer Fee Range
$0-$15
Cash Deposit Fee
N/A
Foreign Transaction Fee
1%
Excessive Transactions Fee
None
Stop Payment Fee
$25
When To Choose A Mercury Business Checking Account
You are a startup and need venture debt or startup-specific features
You want no monthly fees
If you send or receive a lot of wire transfers
You want a bank with a high APY investment portfolio option
Checking, high-yield savings, CDs, and money market accounts
Pros
No monthly fees
High checking APY
ATM reimbursements
Cons
Wire transfer fees
Why We Chose Axos As The Best Business Checking For Lending
If you're in the market for a free checking account and savings account without sacrificing rewards like high APY, Axos is definitely worth looking into. With no monthly fees on its basic plan and waivable monthly fees on the rest, flexible eligibility requirements, a decent checking APYs on the market, a sign-on bonus, and other perks like ATM reimbursements, it's easy to see why Axos gets a 4.0/5 star rating. With multiple lending and investing options, Axos is a great option for businesses that want multiple services with one bank.
Axos Rewards, Features, & Perks
You will also find ATM reimbursements, integrations, and up to $500K in FDIC insurance.
Axos also has a large number of additional services like money market accounts, CDs, and lending, making it a good banking option if you want multiple business services in one spot.
Axos Bank Yield and Cashback
Value
Checking APY
up to 1.01%
Savings APY
up to 4.01%
CD APY
up to 0.20%
Treasury Account APY
Unknown
Checking Cashback
None
You can find these features:
Axos Bank Features
Availability
Incoming Domestic Wire Transfers
Outgoing Domestic Wire Transfers
International Wire Transfers
ACH
ATM
Cash Deposits
Mobile Deposits
Check
Virtual Cards or Digital Wallet
Bill Pay
Cash Flow Management
Reporting
Standard FDIC Insurance
Invoicing
Accounting Integrations
Axos Fees
Axos is $0 for its basic account, but does have a monthly fee for its interest-earning account. However, it is easy enough to waive (so long as you have a balance of $5k). Axos’s additional lending and investment services, plus its large number of rewards and perks, made it worth still including on this list.
There are unlimited, free ACH transfers and no cash deposit fees. There’s also an ATM reimbursement.
Axos Bank Category Fees
Value
Monthly Fee Range
$0-$10/month
Monthly Checking Fee
$0-$10/month
Monthly Savings Fee
$0/month
ATM Fee
Varies (ATM fees fully refunded for domestic use)
Overdraft Fee
None
ACH Fee
$0
Incoming Domestic Wire Transfer Fee
$15
Outgoing Domestic Wire Transfer Fee
$50
Incoming International Wire Transfer Fee
Varies
Wire Transfer Fee Start Point
$7
Wire Transfer Fee Range
$7-$50
Cash Deposit Fee
$0
Foreign Transaction Fee
1%
Excessive Transactions Fee
$10
Stop Payment Fee
$35
When To Choose An Axos Business Checking Account
You want a bank that offers multiple services like lending and investment portfolios
You can maintain a balance of $5k to waive the monthly fee
Why We Chose Novo As The Best Free Business Checking Account For Travel Rewards
Novo doesn't offer tradiational rewards like APY or a flat-rate cash back, but what you will earn is 6% cash back on travel arranged through Booking.com, making Novo a great option if you need travel rewards. You'll also receive valuable partner perks from businesses such as Gusto, QuickBooks, Zendesk, and more.
Novo Rewards, Features, & Perks
You will find a Novo referral program that gives you a $40 cash bonus for new customers you refer.
Valuable partner perks are available, too. Novo offers an ever-changing variety of exclusive, money-saving offers. For example, you’ll find $5,000 in waived processing fees from Stripe and three free months with Gusto.
You won’t find traditional loans, lines of credit, or credit cards when you bank with Novo. But you may be able to receive a merchant cash advance via Novo Funding.
Novo Bank Yield and Cashback
Value
Checking APY
None
Savings APY
N/A
CD APY
N/A
Treasury Account APY
N/A
Checking Cashback
None
You can find these features:
Novo Bank Features
Availability
Incoming Domestic Wire Transfers
Outgoing Domestic Wire Transfers
International Wire Transfers
ACH
ATM
Cash Deposits
Mobile Deposits
Check
Virtual Cards or Digital Wallet
Bill Pay
Cash Flow Management
Reporting
Standard FDIC Insurance
Invoicing
Accounting Integrations
Novo Fees
Novo’s fee schedule is extremely short. Unlike many banks, Novo is the only one I would truly call no-fee.
Novo Bank Category Fees
Value
Monthly Fee Range
$0/month
Monthly Checking Fee
$0/month
Monthly Savings Fee
N/A
ATM Fee
Varies
Overdraft Fee
$27
ACH Fee
0%
Incoming Domestic Wire Transfer Fee
$0
Outgoing Domestic Wire Transfer Fee
N/A
Incoming International Wire Transfer Fee
$0
Wire Transfer Fee Start Point
$0
Wire Transfer Fee Range
$0
Cash Deposit Fee
N/A
Foreign Transaction Fee
0%
Excessive Transactions Fee
None
Stop Payment Fee
None
When To Choose A Novo Business Checking Account
You need a truly no-fee business checking account
You travel regualrly and could benefit from Novo’s Booking.com rewards
You need unlimited, free banking transactions
You don’t mind trading traditional APY and cash-back for no fees & partner rewards
We spend hours researching and evaluating each business banking service we review at Merchant Maverick, placing special emphasis on key characteristics to generate our ratings.
Weighted Rating Breakdown
Fees & Rates 25%
Services 15%
Rewards 15%
Features 15%
Eligibility Requirements 10%
Application Process 5%
Sales & Advertising Transparency 5%
Customer Service 5%
User Reviews 5%
When rating banks and banking services, we use a 53-point rubric that looks at rates and fees, services, eligibility requirements, application, sales and advertising transparency, customer service, and user reviews. We weigh each section differently to calculate the total star rating.
Rates & Fees: 25% of the total star rating
Services: 15% of the total star rating
Rewards: 15% of the total star rating
Features: 15% of the total star rating
Eligibility Requirements: 10% of the total star rating
Application Process: 5% of the total star rating
Sales & Advertising Transparency: 5% of the total star rating
Customer Support: 5% of the total star rating
User Reviews: 5% of the total star rating
Each section is further broken down into granular, weighted subsections, in which we examine specific attributes like the variety of banking features available, transaction types supported, requirements for revenue, credit score, or time in business, ease of application, opening deposit requirements, and the ethics involved in promoting the bank.
What To Look For In A Free Business Checking Account
A free business checking account isn’t worth the price if it’s not safe and legitimate. Whether you choose an online-only bank or one with traditional branches you can visit, make sure the bank offers FDIC insurance. If the account you’re interested in is not FDIC insured, walk away.
Here are some other features you might want from your free business bank account. These may not all be requirements for you, but it’s still good to know what’s available.
How To Choose The Right Free Business Checking Account
Opening a business checking account is a decision that will stick with your small business. It’s important to find a bank account that meets your needs now and also allows for the growth you hope your business sees in the years ahead.
If you’re wondering whether it’s worth it to pay a small monthly account fee, we have two more directions to steer you. We’ve created lists of the best bank accounts for LLCs and the best banks for freelancers. These lists include both free and paid accounts, so you can compare your options and choose the right business bank.
Chelsea Krause is a writer who specializes in accounting, payroll, and small business loans. She has been with Merchant Maverick helping small business owners manage their finances since 2016. She is a QuickBooks Certified User and former eCommerce store owner. Her accounting expertise has been quoted in Forbes and her work appears in Startup Nation, Small Business Bonfire, and Women on Business. Chelsea graduated summa cum laude with a BA in English & Creative Writing from George Fox University and studied abroad at the University of Oxford as well. She currently resides in Boise, Idaho.
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Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
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