Annual interest and fees
Estimate net annual value from your balance, activity and published terms.
Business Money Hub
Find a business account that fits how your money actually moves.
Compare fees, transaction costs, access and controls using your own assumptions—not a generic “best account” label.
No business name required. Exact balances are not sent to analytics.
Illustrative example—not a real offerExample evidence: current
Example operating account
Online account · example plan
Annual value
+$412
Monthly fee
$0
Example fit: required wires, deposits and employee cards supported.
Example trade-off: no branch access.
What you get
A comparison built around operating reality
Required-feature matching
Accounts that cannot support essential activity are excluded, not quietly down-ranked.
Checking and reserve trade-offs
See where access and money movement give way to yield—and where they do not.
Evidence and custody
Material terms must be current, and custody structure stays separate from yield.
Choose a path
Start with the decision in front of you
Run the anonymous account comparison or use one of these reviewed calculators and guides.
Compare operating accounts
Checking for ACH, wires, cards, deposits and daily cash movement.
View business checkingPlan business reserves
Separate near-term obligations from longer-duration surplus before comparing yield.
Build a cash planUnderstand account economics
Find the balance needed to offset fees through an earnings credit.
Calculate ECR economicsEvaluate treasury alternatives
Model cash sweeps and Treasury ladders with explicit assumptions.
Open treasury toolsUse a business calculator
Work through liquidity, borrowing and cash-flow decisions.
Browse calculatorsAccounts
Operating cash and reserves do different jobs
Day 1 compares account economics. It does not prescribe a complete allocation.
Operating checking
Prioritizes ACH, wires, cards, bill pay, checks and deposits.
Reserves and yield
May prioritize yield while limiting transactions or adding custody complexity.
Example result
Trade-offs stay beside the number
Illustrative values demonstrate hierarchy only; they are not current offers or recommendations.
User-entered baseline
Current account example
$180
example annual value
Trade-off: Fee remains at the assumed balance.
Illustrative alternative
Alternative example A
+$412
example annual value
Trade-off: No branch access.
Illustrative alternative
Alternative example B
+$690
example annual value
Trade-off: Cash deposits unsupported.
Treasury
Know what the product is before comparing yield
Deposits, sweep arrangements and brokerage cash products can have different custody and protection structures.
Scope boundary: SwitchWize shows reviewed structural facts, not legal insurance determinations.
Tools
Calculators for business cash
Manage liquidity
Account economics
Treasury alternatives
Methodology
How we compare business accounts
Verified terms
Only current reviewed terms enter rankings.
Visible abstentions
Unknown fees and unsupported features are shown, not guessed.
Affiliate independence
Commercial relationships do not determine rankings.
Dated evidence
Observation and effective dates remain distinct.
Corrections
Disputed material fields can be withheld during review.
Education, not advice
We do not predict approval or make legal determinations.