Recommendations for business bank account

3 points by danbmil99 ↗ HN
researching business banking for a new startup. Google next to useless due to every single hit including 'reviews' going to commercial sites.

Anyone have experience they can share on this topic? Looking for the obvious -- low fees, no spammy sales pitches, good online, just the basics without a bunch of bs.

2 comments

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assuming you are in the US...

Wamu used to have free business checking(now that they are chase they probably still do, but not positive), good small amounts <$100k

citi is great for >$100k, super easy set up and have great simplified online system. Good if you have a large wad that you are going to just spend down (a vc round). citi is a real business bank, and they don't bat an eye at 6 or 7 figure wires.

bofa has a really complex online system, that is a gigantic pain in the ass, but can do full treasury, automatic check deposit, more... given this, its really odd that bofa _feels_ like a consumer bank. For example, shut down the credit cards on our business account because of unusually high spending, meaning they were just shocked by $100's k going through a cc to begin with! and when we called to reactivate them, they did that thing with consumers where they are like "did you spend $7.77 and on online retailer recently?" ha!

thanks this is exactly the kind of feedback I wanted. I've got wamu/chase personal so I may go that way. No fat wad yet, we'll hire scads of MBA's to figure things out if we get there. For now just need simple basics with none of the bs like you got from Bofa.