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Good US bank for business accounts

 4:29 pm on Apr 24, 2007 (gmt 0)

Does anybody have any suggestions regarding a good U.S. bank for having business accounts such as a checking and credit card? btw, I am not doing merchant processing.

I'm hoping to find a place with some incentives, or free checking or airmiles..that sort of thing.


Corey Bryant

 8:40 pm on Apr 24, 2007 (gmt 0)

Bank of America will offer free checking if you use direct deposit. And they count Paypal as a direct deposit.



 5:31 am on Apr 25, 2007 (gmt 0)

Most banks will offer totally free checking/transfers/banking if you maintain a minimum balance....$5K or so.

I have used Wachovia (bigger on the east coast) for business banking for 7 years, 14 for personal use, and I think that they are as good as any bank.

Having said that I also think that Bank Of America has a good selection of banking products.

For me it is simply a case of "better the devil you know"....so I'll stay with Wachovia until they choose to upset me!


 6:08 am on Apr 25, 2007 (gmt 0)

Bank of America, Commerce Bank, Chase, Citibank, and Wachovia come to mind.


 12:51 am on Apr 26, 2007 (gmt 0)

I wasn't sure from your initial post if you were asking quite the right question - from the way it was worded, it looked like you might be in another country, and wanting to open a U.S. account. Of course, in that case, the right question would be "What U.S. banks are easiest to deal with from offshore?"

I see from your profile that you live in San Diego, though, as do I.

Check with your credit union. Yes, your credit union. If you don't have one, look into it. At least two credit unions in San Diego now offer business accounts, with all the services you are asking for. (And I assume this is now the case in other U.S. cities as well.)


 2:06 am on Apr 26, 2007 (gmt 0)

Both Bank of America and Wachovia have good business checking account programs. I've used both.

Wachovia offers a free business checking account as long as you maintain a monthly balance above $1500. Otherwise, the fee is $11/month.

Like Corey said, Bank of America offers free checking if you have direct deposit and/or other checking accounts with Bank of America.


 11:29 am on Apr 26, 2007 (gmt 0)

I have all my eggs in the same basket


 6:49 pm on Apr 26, 2007 (gmt 0)

Thanks for all the replies!

That's correct jtara, I'm in San Diego. I don't have a credit union account except in NY but they are very low tech. I prefer a place that has a good online presence.

So far, I'm leaning toward BofA.

They seem to be directing a lot of effort toward small businesses + good online features + no fee (I believe I meet the requirments) + while I am doing the checking, I like that they offer the Alaskan Airlines miles business account credit card, since I use that airline sometimes to go to Seattle.

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