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Small Business Checking Tips

Small business banking is one of the most important things to think about when starting a business. Most businesses today have at least one small business checking account. Not only does it keep your business finances separate from your personal finances – a small business checking account helps you establish a business credit history, build a beneficial relationship with your banker, and project a professional image to your clients and customers. If you don't have a checking account for your business, it's time to consider opening one.

Why Open a Small Business Checking Account?

When choosing a checking account for your business, there are many options to consider. Most big-name banks offer special business checking plans with different perks and benefits. However, according to the Huffington Post, more small business owners are turning to small private banks for better, more personalized customer service.

  • Having a business checking card that is separate from your personal account will help give you credibility in the business world and will likely impress possible clients or investors. It’s easier to manage your business and personal finances when they are divided into two different accounts with two different bank statements.
  • A business checking account is the first step towards establishing a credit history for your business, making it easier for you to get financing and small business loans in the future.
  • Your bank will assign a personal banker to your business who can help you manage your finances, make important financial decisions, and connect you with potential vendors, service providers, clients, and customers in the community.

Be sure that you’re managing your finances – purchase accounting software.

Rewards and Fees

If you already use small business checking, you may want to still shop around to be sure you’re getting the best deal. Some banks don’t offer cash-back options, or they may charge interest for holding your money in their accounts. Look for an account that works with your business’s banking needs. For example, a business that handles a lot of cash should look for an account that has a high cash deposit limit.

  • If you aren't receiving rewards for the money you have in your small business checking account, you could be missing out on some easy money or other positive benefits.
  • Other features to look for in a checking account include ATM locations, fees, and the stability of the bank itself.

Small business banking is one of the most important parts of a bank's business, so it is important for a small business owner to know that he or she has options when it comes to different checking accounts.

New Mobile Features

Once you have a checking account for your small business, you can take advantage of the latest banking features that make it easier than ever to keep track of your funds at all times.

  • Mobile banking applications allow you to connect to your checking account from your smartphone. You can check funds before making purchases, or transfer money between accounts easily.
  • Mobile POS systems allow you to make credit card sales using your mobile device, and automatically direct the funds to your business checking account.

Businesses that already have a checking account should regularly assess their bank’s fees and rewards, and shop around for better deals. If you don’t already have a checking account for your small business, now is the time to establish one.

If you’re interested in a small business checking account, you may also want to consider small business loans and business credit cards

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