12 Best Banks for Real Estate Investors

The right financial partner can make a huge difference for real estate investors. The best real estate bank should do more than just process transactions — it should support your investment strategy with smart tools, transparent lending options, and banking features that make your day-to-day operations easier. That’s why I put together this guide of the best banks for real estate investors in 2025. Whether you’re managing one rental or a growing portfolio, these banks are built to help you succeed.

Here are my top 12 picks with links directly to the sites:

Baselane: Best for all-in-one landlord banking
Bluevine: Best for real estate businesses needing flexible capital and high-yield checking
Relay: Best for managing property-level finances and team permissions
U.S. Bank: Best for traditional investment property loans
Stessa: Best for automating finances and tracking performance by property
First Internet Bank: Best for online commercial real estate loans
Grasshopper Bank: Best for digital-first investors in commercial real estate
Live Oak Bank: Best for SBA real estate loans
Axos Bank: Best for online lending solutions for real estate investors
Chase: Best for blending traditional banking with real estate investment tools
Wells Fargo: Best for large-scale commercial real estate financing
Truist: Best for real estate investment banking and advisory services

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Banking built for real estate investors
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Quick comparison of the 12 best banks for real estate investing
Baselane: Best for all-in-one landlord banking
Bluevine: Best for real estate businesses needing flexible capital and high-yield checking
Relay: Best for managing property-level finances and team permissions
U.S. Bank: Best for traditional investment property loans
Stessa: Best for automating finances and tracking performance by property
First Internet Bank: Best for online commercial real estate loans
Grasshopper Bank: Best for digital-first investors in commercial real estate
Live Oak Bank: Best for SBA real estate loans
Axos Bank: Best for online lending solutions for real estate investors
Chase: Best for blending traditional banking with real estate investment tools
Wells Fargo: Best for large-scale commercial real estate financing
Truist: Best for real estate investment banking and advisory services
My methodology: How I picked the top 12 banks
How to choose the best banks for real estate investors
Tax advantages when using specialized banking designed for rental property management
Emerging banking solutions and technological innovations for real estate investors
Frequently asked questions (FAQs)

Quick comparison of the 12 best banks for real estate investing

Introductory account	Monthly fee	Account promotions	CRE lending range
Landlord Banking	$0	None	$75,000 to $3 million
Bluevine Standard	$0	Up to $300	Up to $250,000
Business Checking	$0	None	Loan products unavailable
Business Essentials Checking	$0	$400	Quick loans up to $250,000 SBA loans up to $12.375 million
Essentials	$0	None	Loan products unavailable
Do More Business™ Checking	$0	None	Up to $25 million
Accelerator Checking	$0	None	Varies based on loan type
Business Essential	$10 (waivable)	$300 for a high-yield savings account	From $10,000 to $15 million
Basic Business Checking	$0	Up to $400	Up to $200 million
Business Complete Banking	$15 (waivable)	$300 or $500	CRE of $50,000 and up Business & commercial credit lines up to $500,000
Initiate Business Checking	$10 (waivable)	None	Amount varies based on lending product; up to $7 million
Simple Business Checking	$0	$400	Small business CRE up to $250,000 Small term loans of up to $50,000 Higher loan amounts available with income proof of $2 million or higher

Getting the right financing and strategy in place is essential for any successful investment. If you’re just getting started, our guide on how to invest in real estate can help you understand the fundamentals. For those looking to expand into larger projects, learning how to buy commercial real estate is a great next step. And if you need fast funding, the best hard money lenders can offer short-term solutions tailored to investment properties.

Baselane: Best for all-in-one landlord banking


Pros Provides competitive high-yield APY Offers the option to pass ACH fees to tenants for rent collection Has rent reporting, helping tenants build credit	Cons Has no physical branches Lacks money market accounts, CDs, or credit card options Allows cash deposits only at Allpoint ATMs

Key features

No monthly fees or minimum balance requirements
Open an account online in just two minutes
Create unlimited accounts, organized by property or unit
Issue virtual cards for spending control and tracking
Send ACH payments, pay invoices, transfer funds, and deposit checks from any device
Free ACH payments to vendors and third parties
Centralized dashboard to view all property finances
Built-in rent collection and bookkeeping tools for seamless management
Free cash deposits and withdrawals at 55,000+ Allpoint ATMs
One-click transaction categorization with Schedule E and property tags for simplified tax prep

Visit Baselane

Required opening deposit	None
Required minimum balance	None
Monthly maintenance fee	None
Transaction limit before fees	Unlimited
Account promotions	None
Domestic wire transfer fees	Incoming: $0 Outgoing: $15
International wire transfer fees	Not indicated
ATM fees	Free withdrawals at more than 55,000 Allpoint ATMs; third-party fees apply at out-of-network ATMs
Cash deposited	Deposit at Allpoint ATMs only
APY accounts	Landlord Banking: None Paid on savings accounts: Up to 2.63% APY*
Customer service	Phone: 1-888-586-1618, 8 a.m. to 8 p.m. EST, Monday to Friday Email: support@baselane.com
Other products	Expense management, rent collection, and analytics

Baselane is a business fintech platform backed by FDIC-insured Thread Bank, Member FDIC.

*The Annual Percentage Yield (APY) on your Savings Account is accurate as of 12/10/2025. Total balances across Checking Accounts and Savings Accounts are used to calculate APY tier, but only money in Savings Accounts is eligible for interest. Total balances less than $10,000 earn up to 1.30% APY for Savings Accounts. Total balances between $10,000 and $24,999 earn up to 2.03% for Savings Accounts. Total Balances between $25,000 and $49,999 earn up to 2.39% APY for Savings Accounts. Total balances of $50,000 or more earn 2.63% APY for Savings Account. Rates are variable and are subject to change after account opening. An APY bonus is applied to accounts that collect rent via Baselane banking within the prior calendar month.

Why I chose Baselane

I chose Baselane because it’s built the way real estate investors actually operate. There’s no need to juggle multiple apps just to track rent, pay vendors, and get ready for tax season. Baselane brings all of that into one place, with a clean dashboard and features that make financial workflow easier.

That also makes it an ideal platform for hands-on investors who manage their own properties and prefer not to outsource. Baselane is one of the few banking platforms where I felt every tool was custom-built for real estate investors, not just small business owners.

By comparison, Relay offers multiple checking accounts and strong expense controls, but it lacks integrated rent collection and property-level accounting. That gives Baselane a clear advantage for landlords.

Bluevine: Best for real estate businesses needing flexible capital and high-yield checking


Pros Has no monthly maintenance fees Provides access to a highly rated business line of credit Has a competitive interest rate for eligible account holders	Cons Charges fees when depositing cash Lacks additional business deposit accounts like savings or CDs Has no physical branches for in-person banking

Key features

Free debit card delivered within 10 business days of approval
Three interest-bearing business checking options
Create up to five subaccounts for better money management
Supports international business payments
One complimentary checkbook per account, then $30 for replacements
Integrates with accounting tools like QuickBooks and Xero
Compatible with payment platforms like Wise, Venmo, and Expensify
Access to live customer support from experienced professionals
Line of credit and business credit card available

Visit Bluevine

Required opening deposit	None
Required minimum balance	None
Monthly maintenance fee	None
Transaction limit before fees	Unlimited
Account promotions	Up to $300 promo: Open a new business account using promo code FSM300 by June 30, 2025, and meet qualifying activities.
Domestic wire transfer fees	Incoming: $0 Outgoing: $0
International wire transfer fees	Incoming: $0 Outgoing: $15
ATM fees	Incoming: $0 Outgoing USD: $25 Outgoing FX:$ $25 plus 1.5%
Cash deposited	None at MoneyPass locations nationally $2.50 plus operator fees for non-network ATM use
APY accounts	Standard Business Checking: 1.3% Plus Business Checking: 1.75% Premier Business Checking: 3.0%
Customer service	Submit a support request via Bluevine's Contact Us page or sign in to your account to access the CHAT feature
Other products	Business lines of credit, term loans, SBA loans, credit cards, and physical and virtual debit cards

Bluevine is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC.

Why I chose Bluevine

Bluevine stands out as one of the best options for real estate businesses requiring flexible capital and a high-yield checking account. With no monthly fees, a generous sign-up bonus, and interest-bearing accounts for qualified users, it supports both cash flow and long-term growth. When the right property is available for purchase, you’ll be able to quickly move on it with access to Bluevine’s lines of credit and loans, giving you the agility needed in competitive markets.

The provider also offers features like subaccounts, QuickBooks integration, and a reliable line of credit, making it especially valuable for real estate investors managing multiple properties or looking to scale. Unlike traditional banks like Chase, Bluevine stands out with its higher APY, fewer fees, and faster access to capital.

Relay: Best for managing property-level finances and team permissions


Pros Has no monthly fee Offers free incoming wire transfers Provides access to up to 20 checking accounts and 50 debit cards per business	Cons Offers services exclusively online Does not offer any lending or credit products Charges a monthly fee that can't be waived with Relay Pro

Key features

No minimum balance requirements
Savings accounts earn up to 3.03% APY
No fees for ACH transfers or overdrafts
Integrates with accounting platforms like QuickBooks and Xero
Works with business payment tools such as PayPal, Stripe, and Square
Free cash deposits at Allpoint Plus ATMs
Deposit cash at over 90,000 Green Dot locations (fees may apply)
Same-day ACH transfers with Relay Pro
Customer support by email and phone
FDIC insurance coverage up to $3 million through partner banks
Set custom account permissions for team members

Visit Relay

Required opening deposit	None
Required minimum balance	None
Monthly maintenance fee	None
Transaction limit before fees	Unlimited
Account promotions	None
Domestic wire transfer fees	Incoming: $0 Outgoing: $5
International wire transfer fees	Incoming: $0 Outgoing: $10
ATM fees	None at Allpoint ATMs Relay doesn’t charge out-of-network ATM fees, although third-party fees will apply
Cash deposited	$0 through Allpoint+ ATMs and $4.95 per deposit at Green Dot retail locations
APY accounts	Relay Business Checking: None Relay savings: Up to 3.03%
Customer service	Chat can be reached via Relay's Contact Us page
Other products	Business credit cards, Integrations with Xero, QuickBooks, Gusto, Plaid and Yodlee, business savings, digital receipt capture and categorization

Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank, member FDIC.

Why I chose Relay

Relay is the best option for managing property-level finances and team permissions, which is essential for real estate investors who oversee multiple units or collaborate with partners. It allows users to create up to 20 checking accounts and issue up to 50 debit cards, making it easy to separate expenses by property or team function.

The platform also offers customizable permissions, allowing you to control user access and stay organized and secure. With no minimum balance requirements, high-yield savings options, and modern tools like same-day ACH and accounting software integration, Relay is a strong choice for streamlined financial management. While Baselane is tailored for landlords with built-in rent collection, Relay stands out for investors needing more control over multi-property cash flow and team-based account access.

U.S. Bank: Best for traditional investment property loans


Pros Has no monthly maintenance fee on select accounts Offers mobile check deposits at no cost Lets you open an account in person, online, or over the phone	Cons Requires a minimum opening deposit Has wire transfer fees that are higher than some competitors Offers only a limited number of free transactions per month

Key features

Send and receive money directly through the mobile app
Digital invoicing and payment tools built into your online dashboard
Mobile app allows you to monitor accounts, transfer funds, and deposit checks
Easily connect to overdraft protection or credit card processing services
Free debit card and 50% off your first check order up to $50
Integrates with QuickBooks and U.S. Bank Payment Processing
Access customer support online, by phone, or in person during business hours
Offers additional services such as lending, cash flow management, and point-of-sale systems

Visit U.S. Bank

Required opening deposit	$100
Required minimum balance	None
Monthly maintenance fee	None
Transaction limit before fees	Unlimited
Account promotions	$400 promo: Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 7/01/2025 and 9/30/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening. Promo code Q3AFL25 must be used when opening a U.S. Bank Business Essentials account. Limit of one bonus per business.
Domestic wire transfer fees	Incoming: $14 Outgoing: $16
International wire transfer fees	Incoming: $16 Outgoing: $75
ATM fees	No charge for out-of-network ATMs, although operator fees may apply
Cash deposited	25 units* per statement cycle included, then $0.33 per $100
APY accounts	Essentials Checking: None Premium Business Checking: 0.0005% Gold Business Checking: 0.01% Nonprofit Checking: 0.005% Business Savings Account: 0.05% Platinum Business Money Market: 4.0% on balances over $25,000
Customer service	Phone: 1-844-743-0707 available 8 a.m. to 8 p.m. CT M-F and 8 a.m. to 6:30 p.m. CT on Saturday
Other products	Business credit cards, term loans, lines of credit, SBA loans, equipment financing, practice financing, merchant services, and wealth management

*Cash deposit units are calculated by dividing each cash deposit amount by 100 and rounding the resulting value to a whole number. To determine rounding, less than $.50/$50 is rounded down and more than or equal to $.50/$50 is rounded up. Any deposit less than $150 equals one unit. Cash unit allowance is applicable to all cash deposits in-branch and through U.S. Bank partner ATMs.

U.S. Bank National Association. Member FDIC.

Why I chose U.S. Bank

U.S. Bank is the best choice for traditional investment property loans, making it a strong fit for investors seeking a full-service bank that offers a variety of investor options to help meet their goals, in-person services, and established lending products. With a wide range of account types, it supports both the banking and financing needs of growing portfolios. It also offers helpful tools like mobile check deposit, invoicing features, and QuickBooks integration to streamline daily financial tasks.

While online banks like Axos offer convenience and speed, U.S. Bank stands out for its in-person support and long-standing reputation in traditional investment property lending. It is a reliable choice for investors who value face-to-face service and access to well-established loan programs.

Stessa: Best for automating finances and tracking performance by property


Pros Earns competitive interest on account balances Offers automated rent collection and tenant reminders Includes built-in tools for tax prep and financial reporting	Cons Doesn't support cash deposits Doesn't offer access to in-person banking services Currently lacks lending products

Key features

All-in-one cash management system built for rental property owners
No monthly maintenance fees or minimum balance requirements
No fees for inbound wire transfers
Tools designed to help manage and grow rental portfolios
Create unlimited free accounts, organized by property or portfolio
Issue unique virtual and physical debit cards for better record-keeping
Built-in expense tracking and categorization
Earn 1.1% cash back on debit card purchases

Visit Stessa

Required opening deposit	None
Required minimum balance	None
Monthly maintenance fee	None
Transaction limit before fees	Unlimited
Account promotions	None
Domestic wire transfer fees	Incoming: $0 Outgoing: $5
International wire transfer fees	Not supported
ATM fees	Stessa does not charge ATM fees, but operator fees may apply
Cash deposited	Cash deposits not accepted
APY accounts	Essentials: 2.31% Manage: 2.31% Pro: 3.98% Paid on cash balances for all accounts
Customer service	Phone: 1-415-985-7837 Email: contact@stessa.com Online chat
Other products	Online rent collection, tenant screening, and expense management

Stessa is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

Why I chose Stessa

Stessa offers real estate investors a simple, well-integrated way to manage rental property finances without extra fees or complexity. The platform makes it easy to separate accounts by property, track income and expenses automatically, and even earn cash back on debit purchases.

It also offers the highest APY of any bank featured in this article at up to 3.98%. By comparison, Bluevine offers up to 3.0% APY on checking balances — and that’s only when specific spending or deposit activity requirements are met.

First Internet Bank: Best for online commercial real estate loans


Pros Offers easy online account setup with no in-person visit required Doesn't require a minimum balance to maintain the account Provides unlimited transactions without additional fees	Cons Doesn't support cash deposits Has no physical branches Lacks promotional offers for new business checking accounts

Key features

CRE loans available up to $25 million
Financial forecasting tools are included with business accounts
Competitive APY offered on business checking
Balance optimizer automatically moves funds to maximize interest earnings
Wide selection of business lending options
High-yield savings accounts and CDs with competitive rates
Specialized lending for energy-efficient property upgrades, including solar, HVAC, and LED retrofits
Monthly ATM fee reimbursement up to $10

Visit First Internet Bank

Required opening deposit	$100
Required minimum balance	None
Monthly maintenance fee	None
Transaction limit before fees	Unlimited
Account promotions	None
Domestic wire transfer fees	Incoming: $15 Outgoing: $20
International wire transfer fees	Incoming: $15 Outgoing: $50
ATM fees	None; $10 ATM reimbursement monthly from third-party ATMs
Cash deposited	Cash deposits not accepted
APY accounts	Do More Business™ Checking: 0.50% with an average daily balance of $10,000 Regular Savings: 0.91% Money Market Savings: 3.46% with a daily balance below $5,000,000 Money Market Savings: 4.42% with a daily balance over $5,000,000
Customer service	Phone: 1-888-872-3424 available 7 a.m. to 9 pm M-F EST and 9 a.m. to 3 p.m. EST on Saturdays Email: bank@firstlb.com
Other products	Savings, CDs, commercial lending, SBA loans, and public finance for schools, utility companies, and non-profits

First Internet Bank of Indiana Member FDIC.

Why I chose First Internet Bank

First Internet Bank combines the flexibility of a fully online platform with the lending power real estate investors need to grow. With CRE loans up to $25 million and specialized financing options for energy-efficient property upgrades, it supports both traditional projects and forward-thinking investments.

The platform also includes financial forecasting tools and balance optimization features that help you make the most of your funds without relying on in-person banking. That makes it optimal if you don’t live directly where your investment properties are located. Unlike traditional banks like U.S. Bank, it offers a fully digital experience without sacrificing access to high-limit CRE loans and advanced financial tools.

Grasshopper Bank: Best for digital-first investors in commercial real estate


Pros Has no monthly maintenance fees or minimum balance requirements Lets you earn up to 1.80% APY on business checking Offers unlimited 1% cash back on eligible online and signature-based debit card purchases	Cons Doesn't accept cash deposits Has no physical branches Requires an initial deposit to open an account

Key features

Free physical and virtual debit cards for streamlined spending
Includes bill pay, mobile check deposit, and digital invoicing tools
Free domestic ACH and wire transfers for accounts with balances of $25,000 or more
International wire transfers are supported for global transactions
Integrates with Autobooks, QuickBooks, and Plaid for easier financial tracking
FDIC insurance coverage up to $125 million through a sweep network
Access to dedicated US-based support via phone, email, chat, or secure message
Offers a broad product suite including savings, startup banking, treasury services, CRE loans, and SBA lending

Visit Grasshopper Bank

Required opening deposit	$100
Required minimum balance	None
Monthly maintenance fee	None
Transaction limit before fees	Unlimited
Account promotions	None
Domestic wire transfer fees	Incoming: $0 Outgoing: $10
International wire transfer fees	Incoming: $5 Outgoing: $25
ATM fees	Free at 45,000 MoneyPass and Sum network ATMs
Cash deposited	Cash deposits not accepted
APY accounts	Accelerator Checking 1.00 on balances of $0.01 to $24,999.99 1.80% on balances of $25,000 to $250,000 1.00% on balances over $250,000 Accelerator Money Market 1.80% on balances $0.01 to $24,999.99 3.55% on balances $250,000 and up Innovator Checking 1.00 on balances of $0.01 to $24,999.99 1.80% on balances of $25,000 to $250,000 1.00% on balances over $250,000 Innovator Money Market 1.80% on balances $0.01 to $24,999.99 3.55% on balances $250,000 and up
Customer service	Phone: 1-888-895-9685 Email: support@grasshopper.bank
Other products	Innovator checking account, Innovator money market savings account, application programming interface (API) banking, startup banking services, treasury management, CRE loans, and SBA loans

Grasshopper Bank, N.A. Member FDIC.

Why I chose Grasshopper

I chose Grasshopper because it offers the kind of flexible, tech-forward banking experience that today’s CRE investors seek. With powerful digital tools, high APY potential, and a product lineup that includes SBA and CRE loans, it’s one of the best options for digital-savvy investors in commercial real estate. The platform gives you everything you need to manage transactions, access funding, and integrate with your existing financial systems — all without stepping into a branch.

While Truist offers strong advisory services for institutional investors, Grasshopper is better suited for digital-first real estate investors wanting speed, flexibility, and modern tools. With features like built-in invoicing, cash back rewards, and integration with accounting platforms, Grasshopper gives investors a more agile alternative for managing finances and accessing commercial real estate loans online.

Live Oak Bank: Best for SBA real estate loans


Pros Has low fees with no hidden charges Specializes in CRE and property development financing Offers up to $10 million in FDIC coverage through Insured Cash Sweep (ICS)	Cons Has no physical branches Has limited banking products beyond lending and savings May not be ideal for investors needing daily transaction support or integrated banking

Key features

Online business savings accounts with competitive interest rates
High-yield CDs with flexible term lengths
Transparent rate and term information provided upfront during the loan process
Industry-specific lending experience across real estate, healthcare, agriculture, and more
Digital document upload and e-signature capabilities for faster processing
Online loan account dashboard to track payments, balances, and loan performance
Dedicated underwriting and closing teams for more efficient transactions
Educational content and SBA loan resources on the website
FDIC-insured deposit accounts for added security
Option to link accounts to external banks for simplified transfers

Visit Live Oak Bank

Required opening deposit	None
Required minimum balance	None
Monthly maintenance fee	$10 (waivable*)
Transaction limit before fees	Unlimited
Account promotions	$300 promo: Offer applies to the high-yield savings account. Must maintain a $20,000 balance for 60 consecutive days. Offer valid through May 2025.
Domestic wire transfer fees	Incoming: $10 Outgoing: $19
International wire transfer fees	Incoming: $10 Outgoing: $40
ATM fees	None for in-network Allpoint ATMs
Cash deposited	Unlimited
APY accounts	Business Savings: 3.50% Business CDs: Ranges from 2.00% to 4.20%, depending on term
Customer service	Phone: 866-518-0286 Monday to Friday 8 a.m. to 8 p.m.
Other products	SBA loans, USDA loans, Live Oak® Express loans, working capital loans, equipment purchase, debt refinance, and commercial lending

*Fee can be waived by maintaining an average daily balance of $1,000 throughout the statement cycle.

Live Oak Bank is a member of the FDIC.

Why I chose Live Oak Bank

Live Oak Bank is the go-to choice for real estate investors seeking SBA financing. As one of the most active SBA lenders in the country, it offers tailored support and funding options through both the SBA 7(a) and 504 loan programs. Whether you’re acquiring a new property or funding a major renovation, Live Oak delivers specialized expertise and a streamlined online process that makes accessing government-backed loans easier and faster.

While Chase offers a broad range of business banking services, Live Oak Bank excels when it comes to specialized SBA lending for real estate investors. Its focused expertise, streamlined digital process, and deep experience with SBA 7(a) and 504 loans make it the better choice for investors looking to finance acquisitions, developments, or major renovations through government-backed programs.

Axos Bank: Best for online lending solutions for real estate investors


Pros Has no monthly maintenance fees on business checking accounts Offers competitive APY available on select savings and checking accounts Provides dedicated lending programs for real estate investors	Cons Has no physical branches Has limited cash deposit options Requires higher balances to access premium features for some services

Key features

Multiple business checking and savings account options, including interest-earning accounts
Real estate loan products tailored for investors, including multi-family and mixed-use property financing
Specialized services for property management companies and real estate professionals
Mobile banking with remote deposit capture and bill pay
Dedicated relationship managers available for high-volume clients
Treasury management solutions for larger real estate operations
Business CDs with customizable terms
Access to SBA loan programs for qualified borrowers
Business rewards debit and credit cards with select accounts

Visit Axos Bank

Required opening deposit	None
Required minimum balance	None
Monthly maintenance fee	None
Transaction limit before fees	Unlimited
Account promotions	Up to $400: Open a new qualifying account using code NEW400 by September 30, 2025, and meet qualifying account activities
Domestic wire transfer fees	Incoming: $0 Outgoing: $15
International wire transfer fees	Incoming: $0 Outgoing: $15
ATM fees	Unlimited domestic ATM fee reimbursements
Cash deposited	Free at MoneyPass and Allpoint networks; $4.95 at Green Dot retail locations
APY accounts	Business Interest Checking: 1.01% on balances from $0 to $49,999.99; 0.10% on balances over $50,000 Business Money Market and Business Savings: 0.20% on balances up to 4,999,999.99 Business Premium Savings: 3.80% on balances up to 4,999,999.99 Business CDs: Ranges from 0.10% to 0.20% based on term
Customer service	Phone: 844-678-2726 Email: businessbanking@axosbank.com
Other products	Non-interest-earning checking accounts, savings accounts, money market accounts, CDs, SBA 7(a) loans, small business loans, treasury management, ICS, and payroll services

Axos Bank^®, Member FDIC.

Why I chose Axos Bank

It stands out as one of the best banks for real estate investors who prefer fully digital lending solutions. Its suite of investor-friendly loan products includes options for fix-and-flip projects, debt service coverage ratio (DSCR) loans, and long-term rental financing, all accessible through a streamlined online platform. With competitive rates, flexible terms, and a user-friendly interface, Axos Bank makes it easy for investors to secure funding without stepping into a branch.

While Wells Fargo is known for its wide branch network and institutional lending, Axos Bank offers a more flexible and modern experience for real estate investors who prefer to manage everything online. With investor-focused loan products, interest-earning accounts, and a streamlined digital interface, it provides a convenient and efficient alternative without sacrificing the financial tools serious investors need.

Chase: Best for blending traditional banking with real estate investment tools


Pros Offers up to a $500 bonus for new business account holders Can waive the monthly service fee with qualifying activity Has built-in card payment acceptance through QuickAccept℠ in the Chase Mobile® app	Cons Provides only a limited number of free monthly transactions in the basic accounts Doesn't reimburse ATM fees from non-Chase machines May charge additional fees for cash deposits over $5,000 per statement period

Key features

Manage debit, deposit, and ATM card access for individual team members
Mobile app allows check deposits, balance monitoring, bill payments, and transfers
Integration with QuickBooks and other top accounting platforms
Includes a free business debit card
Access to Chase Payment Solutions for accepting customer payments
Live support online and in-branch during business hours

Visit Chase

Required opening deposit	None
Required minimum balance	None
Monthly maintenance fee	$15 (waivable*)
Transaction limit before fees	20, then 40 cents per transaction
Account promotions	$300 or $500 promo: Open a new business account before July 17, 2025, and meet deposit and balance requirements
Domestic wire transfer fees	Incoming: $15 Outgoing: Up to $35
International wire transfer fees	Incoming: $15 Outgoing: Up to $50
ATM fees	$3 for out-of-network ATM usage; third-party ATM operator fees may apply
Cash deposited	$5,000 free per month, then $2.50 per $1,000
APY accounts	Chase Business Complete Banking, Performance Business Checking, Platinum Business Checking, and Analysis Checking: Non-interest-bearing accounts Chase Analysis Business Checking with Interest, Business Total Savings, and Premier Savings: Earns interest; variable; based on daily collected balance CD: Varies by term
Customer service	Phone: 1-800-CHASE38 (1-800-242-7338) X (formally Twitter): @ChaseSupport In person: Over 4,700 branches
Other products	Business savings and CDs, lending products, credit cards, merchant services, and collection services

*Waive the monthly service fee if you achieve either a $2,000 minimum daily balance, receive $2,000 in deposits from Chase QuickAccept^®, or spend $2,000 in Chase Ink Business Card purchases.

JPMorgan Chase Bank, N.A. Member FDIC.

Why I chose Chase

Chase offers the kind of stability and breadth that many real estate investors value, especially those who still want the option of in-person service. It’s one of the best banks for blending traditional banking with real estate investment tools, offering everything from business checking and credit cards to merchant services and loan products. For investors wanting a trusted institution with nationwide access and modern financial capabilities, Chase delivers a reliable and well-rounded experience.

Unlike online-first banks such as Bluevine, Chase offers the depth and stability of a full-service financial institution with nationwide branch access. Real estate investors who prefer personalized guidance — along with access to investment property loans, business credit cards, and merchant services — will appreciate its balance of traditional banking support and modern tools.

Wells Fargo: Best for large-scale commercial real estate financing


Pros Can waive the monthly maintenance fee on the entry-level account with qualifying activity Has a low opening deposit of $25 Includes 100 free transactions per month with basic business checking	Cons Doesn't offer a free business checking option Has no promotional bonus available for new accounts Has a fee structure that may be difficult to navigate, depending on account type

Key features

Automatic enrollment in debit card overdraft protection for added flexibility
Low-cost same-day ACH transfer options
No fees for stop payments on checks
Reasonably priced domestic and international wire transfers
Multiple business account types to fit various investor needs
Dedicated support team for real estate investors focused on multifamily properties
Robust mobile banking app for on-the-go account management
Phone support seven days a week for business customers

Visit Wells Fargo

Required opening deposit	$25
Required minimum balance	None
Monthly maintenance fee	$10 (waivable*)
Transaction limit before fees	100, then $0.50 per transaction
Account promotions	None
Domestic wire transfer fees	Incoming: $15 Outgoing: Between $25 and $40
International wire transfer fees	Incoming: $15 Outgoing: Between $25 and $40
ATM fees	Free at all Wells Fargo ATMs $3 at out-of-network ATMs + third party fees
Cash deposited	$5,000 free per month, then $2.50 per $1,000
APY accounts	Rates not listed on site
Customer service	Phone: 1-800-225-5935 Monday-Saturday 7a.m. to p.m. ET and Sunday 9a.m. to 10 p.m. ET
Other products	Savings accounts, CDs, credit cards, merchant services, payroll services, and business lending

*Avoid this fee with a $500 minimum daily balance or a $1,000 average ledger balance each fee period.
Wells Fargo Bank, N.A. Member FDIC.

Why I chose Wells Fargo

Wells Fargo is the best bank for large-scale CRE financing, making it a strong fit for investors focused on high-value properties or institutional deals. Its CRE division provides access to structured financing, capital markets expertise, and customized lending solutions for complex acquisitions or developments. For those managing sizable portfolios or expanding into large commercial assets, Wells Fargo offers the resources and experience to support long-term growth.

Compared to niche platforms like Baselane, Wells Fargo provides the robust infrastructure and lending capacity that real estate investors need when working with larger properties or scaling their portfolio. With personalized business support, a wide selection of financing options, and in-branch access across most of the country, it’s a strong choice if you want the reliability of a traditional bank with resources to support long-term growth.

Truist: Best for real estate investment banking and advisory services


Pros Offers flexible loan terms on most small business financing options Charges no monthly maintenance fee with the Simple Business Checking account Includes a $25 discount on your first order of business checks	Cons May charge up to three overdraft fees of $36 each per day Integrates with QuickBooks and Quicken, but requires a $9.95 monthly fee Charges a $3 fee for using non-Truist ATMs, plus potential third-party charges

Key features

Personalized debit card featuring your logo or custom design
Fraud Inspector tool helps detect and reduce fraudulent activity
No minimum balance requirement on select accounts
Free ATM access at all Truist locations
Complimentary debit card replacements
Access to international banking services
Free internal transfers between Truist accounts
Online banking and mobile app access included at no cost
Unlimited online bill pay for convenient expense management
First 15 ACH transfers free each month
Reasonably priced domestic and international wire transfers
Free monthly eStatements for easy recordkeeping

Visit Truist

Required opening deposit	$100
Required minimum balance	None
Monthly maintenance fee	None
Transaction limit before fees	50 monthly, then $0.50 per transaction
Account promotions	$400 promo: Open a new small business checking account and earn $400 with qualifying activities
Domestic wire transfer fees	Incoming: $15 Outgoing: $20 Branch Initiated: $65
International wire transfer fees	Incoming: $20 Outgoing: $36 Branch Initiated: $75
ATM fees	Free at all Truist ATMs $3 at all out-of-network ATMs + third-party fees apply
Cash deposited	$2,000 free, then $0.0031 per $1
APY accounts	Rates not listed on site
Customer service	Phone: 844-4TRUIST from Monday to Friday, 8 a.m. to 8 p.m. EST, and Saturday, 8 a.m. to 5 p.m.
Other products	Small business loans, merchant services, credit cards, equipment loans, business line of credit, and business auto loans

Truist Simple Business Checking terms and features

Why I chose Truist

I recommend Truist for real estate investment banking and advisory services, especially for investors navigating complex or large-scale transactions. Its specialized teams offer insight into capital structuring, acquisitions, and hospitality-focused investments, making it a valuable partner for high-level strategy. For real estate professionals who need more than basic banking, Truist provides the advisory expertise to move confidently through sophisticated deals.

For investors needing more than everyday banking, Truist offers specialized real estate investment banking and advisory services that go beyond what digital-first platforms like Grasshopper provide. Its experienced teams help structure complex deals, making it a better fit for investors managing high-value transactions or navigating strategic growth in sectors like multifamily or hospitality.

My methodology: How I picked the top 12 banks

To build this list of the best banks for real estate investors, I evaluated both traditional banks and digital platforms through the lens of what real estate professionals need most, including low fees, flexible account structures, lending options, and modern financial tools. I reviewed bank websites, product disclosures, and promotional offers to compare core features like APY, rent collection, and integration with property management software. Only banks that actively support real estate investment activity made the cut.

Some banks don’t disclose all account limits or fees publicly, so this guide reflects the most current and available information as of my writing. I focused on banks serving individual landlords, business entities, and commercial investors alike. The goal was to provide a mix of options that align with the real-world needs of investors at different stages.

How to choose the best banks for real estate investors

Choosing the right bank starts with understanding your investment strategy. The best real estate bank is the one that supports your current operations while helping you plan for future growth.

Find a bank that offers features that match how you manage your properties, such as multiple checking accounts to track income by unit, access to financing, or integration with rent collection and accounting tools.
Look for low fees, flexible ACH transfers, and strong mobile banking if you’re an active investor.
Consider banks that offer business-friendly tools like virtual cards, real-time expense tracking, and high APY on reserves if you are growing your portfolio.
Prioritize strong lending options or advisory services if you’re an investor working with larger properties or commercial assets.

Tax advantages when using specialized banking designed for rental property management

Using a bank designed for real estate investors can make tax season significantly easier and more accurate. These platforms often include built-in tools that simplify financial organization and support accurate tax reporting. Key features that can help include the following:

Property-specific accounts that keep income and expenses separated by unit or property
Automated expense categorization to streamline recordkeeping throughout the year
Schedule E tagging that aligns transactions with IRS reporting requirements
Exportable reports to simplify collaboration with accountants or tax preparers
Transaction-level tracking that reduces the risk of missed deductions or errors

By keeping income and expenses clearly separated by property, you can reduce the risk of errors, improve audit readiness, and make it easier for your tax professionals to file accurately and efficiently. Of course, having a great tax accountant on your team will also ensure a headache-free tax season.

Emerging banking solutions and technological innovations for real estate investors

Real estate investors in 2025 have access to more powerful banking tools than ever before. From traditional institutions to modern real estate banks, a wave of fintech innovation is transforming how investors manage money, track performance, and close deals with confidence.

Here are some of the most impactful advancements shaping the industry:

Integrated banking platforms that combine checking, rent collection, and financial reporting in one place
Secure digital transaction systems that add speed and transparency to real estate closings
Automated bookkeeping and expense categorization to simplify tax prep and property-level accounting
Mobile-first tools for managing transactions, paying vendors, and monitoring cash flow on the go
Smarter decision-making tools powered by data and real-time financial insights
Customizable account structures to manage multiple properties or partners with ease

Frequently asked questions (FAQs)

No. However, while it’s not legally required in most cases, having separate accounts for each property can simplify bookkeeping, make tax prep easier, and help keep finances organized. Platforms like Baselane and Relay offer tools to manage multiple property-specific accounts under one login.

Look for banks that offer low or no monthly fees, high APYs, the ability to manage finances by property, and strong integration with rent collection and accounting tools. For investors who scale, things like virtual cards, ACH control, and expense categorization can make a big difference.

It depends on your needs. Traditional banks like U.S. Bank and Chase are ideal for in-person service and mortgage lending. Digital banks like Baselane, Relay, or Bluevine are great for automation, account flexibility, and seamless online tools built for property management.

Yes, several banks on this list — like Baselane and Stessa — offer built-in rent collection tools that allow tenants to pay online via ACH. Some even let you shift ACH fees to tenants and report rent payments to credit bureaus.

12 Best Banks for Real Estate Investors

Quick comparison of the 12 best banks for real estate investing