Best banks for hotel owners in 2026

Finding the best banks for hotel owners is a critical step in managing your business's finances. This guide is for hotel businesses seeking to optimize their banking experience, as the right financial partner can significantly impact cash flow and operational efficiency. To help you make an informed choice, this article breaks down key decision metrics like account fees, checking features, and access to capital, empowering you to select the bank that best supports your growth.

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Industry pain points

Hotel owners often navigate a complex financial landscape marked by fluctuating revenue and high operational demands. Managing these challenges effectively is crucial for survival and growth, but many traditional banking solutions fall short of meeting the industry's unique needs. Here are some of the most common financial pain points hotel businesses encounter:

• Seasonal cash flow volatility: Revenue can swing dramatically between peak and off-seasons, making it difficult to cover fixed costs year-round.
• High operational overhead: The costs of staffing, property maintenance, utilities, and inventory management create constant pressure on profit margins.
• Limited access to flexible capital: Securing timely funding for renovations, expansions, or unexpected expenses can be a significant hurdle for hotel owners.

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Highlights

• Bluevine offers hotel businesses a powerful combination of high-yield checking, integrated financial tools, and streamlined access to funding.
• Other options include a range of traditional and digital banking solutions like US Bank, Wells Fargo, Bank of America, Chase Business, and more.
• Finding the best business bank account for a hotel company is based on evaluating key factors like account features, fee structures, and capital accessibility.

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Best small business bank

Bluevine

Bluevine is a financial technology company¹ that provides innovative, digital-first banking solutions designed to empower your business. We help hotel owners like you tackle industry challenges by combining high-yield business checking² with powerful tools to automate payments and manage cash flow. Our platform is built to save you time and reduce fees, offering everything from unlimited transactions³ to flexible lines of credit⁴, all without ever needing to visit a branch. With robust security and dedicated support, we provide the financial foundation you need to grow and thrive.

How Bluevine addresses the challenges of hotel businesses

• Seasonal cash flow volatility: Bluevine helps you build a financial cushion for the off-season. With a Bluevine Business Checking account, your company's cash reserves can earn high-yield interest, maximizing returns during your peak season. You can also use up to 20 sub-accounts⁵ to automatically separate funds for future expenses like payroll and property taxes, ensuring you have the capital needed to cover fixed costs year-round.
• High operational overhead: Our platform is designed to reduce the financial pressure of high overhead. Bluevine Business Checking has no monthly fees on its Standard plan,⁶ no overdraft fees, and gives you unlimited transactions, which cuts down on your banking costs. The platform also features automated accounts payable⁷ and connects seamlessly with accounting tools,⁸ saving you valuable time on administrative tasks and letting you focus on running your hotel.
• Limited access to flexible capital: Bluevine provides the flexible funding you need to invest in renovations and expansions or cover unexpected expenses. Apply for a Bluevine line of credit, which gives you ongoing access to capital up to $250,000.⁴ When you have a Bluevine Business Checking account, approved funds can be available instantly,⁹ giving you the agility to seize opportunities without delay.

Top features for hotels businesses

• Debit cards: Issue cards¹⁰ with custom spending limits to your team, giving staff the flexibility to purchase supplies while you maintain full control over expenses.
• Accounts payable: Automate your bill payments to vendors and suppliers,⁷ saving valuable time on administrative tasks and ensuring your hotel's operations run smoothly.
• Sub-accounts: Organize your finances by creating up to 20 dedicated sub-accounts⁵ to budget for taxes, payroll, or property upgrades, helping you manage seasonal cash flow more effectively.
• Check deposits: Deposit checks directly from your phone using the mobile app, saving you time and eliminating trips to the bank.
• Accept payments: Get paid in a variety of ways, including ACH, wire transfers, and Tap to Pay on your phone,¹¹ making it easy to manage all your hotel's revenue streams.
• Same day ACH: Send urgent payments that arrive the same day,¹² giving you the speed you need to pay vendors or staff promptly and manage your cash flow with confidence.
• Customer Satisfaction: With an A+ BBB rating and a 4.6-star “Excellent” rating on Trustpilot,¹³ customers value how Bluevine simplifies banking and supports the unique needs of small businesses.

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Other options

Here are several additional small business banking providers commonly compared in this category.

US Bank

As a large, traditional financial institution, U.S. Bank operates a significant national network of over 2,000 branches. While it offers business loans, financing for startup costs, and payment processing, hotel owners may find its services are rooted in a more conventional banking model that relies on in-person interactions.

For hotel owners who prefer traditional, in-person service, U.S. Bank provides support through its extensive branch network. Bluevine caters to businesses that prioritize digital efficiency, offering modern, high-yield banking and streamlined tools to help manage a hotel's finances quickly and from anywhere.

Wells Fargo

A major U.S. financial services firm with roots dating to 1852, Wells Fargo offers hotel owners a wide range of products, including commercial finance and mortgages. Its services are delivered through an extensive branch and ATM network, a legacy of its growth through acquisitions such as Wachovia.

Wells Fargo supports hotel businesses with conventional checking and lending services accessible through its branches. Bluevine caters to the modern hotelier with an online-first banking experience that combines flexible lending options and integrated payment tools to simplify financial management.

Bank of America

Bank of America is a major U.S. financial institution with a vast network of physical branches and a global presence. The bank provides a broad suite of business banking products for various industries, including hospitality, offering services through both its digital platforms and in-person branches.

Bank of America provides hotel owners with traditional banking services and in-person support through its branch network. Bluevine, on the other hand, is built for hoteliers who prioritize digital efficiency, offering a high-yield checking account to grow cash reserves and flexible lending options for property upgrades, all without ever requiring a visit to a physical bank.

Chase Business

As the largest bank in the U.S. by assets, Chase Business provides a broad array of financial products for various industries, including hospitality. Its services are delivered through a vast network of branches and ATMs, catering to businesses that rely on traditional, in-person banking.

Chase's extensive branch network serves hotel owners who need to make large cash deposits and value in-person support. This traditional approach, however, typically involves higher fees and lower yields on business funds. For hoteliers prioritizing digital efficiency and growth, Bluevine provides a high-yield online account with low fees, designed to maximize cash reserves and streamline financial management.

Capital One

Capital One is a major financial institution offering a wide range of business and commercial banking solutions relevant to the hospitality industry. While it provides a large ATM network, its physical branches are primarily concentrated in select major metropolitan areas, which may limit in-person service options for hotel owners located elsewhere.

The decision between banking partners often hinges on a hotelier's preference for digital convenience versus in-person service. Traditional banks like U.S. Bank and Capital One offer access to physical branches for face-to-face support. Bluevine, however, provides a digital-first banking experience with a high-yield checking account and streamlined tools, catering to hotel businesses that prioritize online efficiency and want to maximize returns on their capital.

Brex

Brex is a financial technology company offering a unified platform often geared toward tech startups. It is not a bank itself; instead, it partners with banks like Column N.A. and Emigrant Bank to provide services such as FDIC insurance and treasury functions.

Brex's platform is often geared toward tech startups and larger companies looking for granular control over corporate spending. Bluevine provides a robust banking solution specifically designed for small and medium-sized businesses, making it a strong fit for hotel owners focused on managing cash flow, streamlining payments, and growing their capital.

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How to choose a business bank account for hotels

Selecting the right financial partner is a strategic decision that directly impacts your hotel's profitability and operational agility. By evaluating banks on a few key criteria, you can ensure your choice aligns with your business's unique financial needs and growth ambitions.

Account fees

High transaction volumes and the need to manage multiple vendor payments mean that banking fees can quickly add up for hotel owners. Look for accounts with minimal or no monthly fees, overdraft fees, or transaction limits to protect your profit margins and reduce operational costs.

Checking features

Modern checking features are essential for streamlining a hotel's complex financial operations and saving valuable time. Tools like mobile check deposit, integrated bill pay, and the ability to issue employee debit cards with spending controls help you manage day-to-day expenses with greater efficiency.

Access to capital

The hospitality industry requires significant capital for everything from seasonal staffing to property renovations and unexpected maintenance. A banking partner that offers flexible and fast access to funding, such as a line of credit, provides the financial agility needed to seize growth opportunities and navigate unforeseen challenges.

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Why choose Bluevine

Bluevine empowers hotel owners with a digital banking platform designed to maximize capital and streamline operations. Unlike traditional banks, Bluevine combines high-yield business checking with integrated payment tools and flexible lines of credit, giving you the financial agility to reduce costs and fuel your growth.

Open a Bluevine Account Today