How to Open a Small Business Bank Account

Business bank accounts offer many benefits, even if you own a small one-person business. Keeping your personal and business finances separate is essential and of course makes bookkeeping easier. You will appreciate this even more during tax time.

With a business bank account, you will also be able to write checks and accept customer payments to your business name, something that shows clients and business associates that you conduct business in a professional manner. You gain respect and trust. In addition, having a relationship with a bank can help you establish credit, get a business credit card and even obtain financing if needed.

Just like any other product or service, before opening a bank account, you want to shop around to compare banking services. Do you want to save money with a basic account that charges minimal fees? Are you looking for additional merchant services, financing or hands-on customer service? Do you want to be able to conduct all of your banking activities online or take advantage of online bill pay services? Consider the conveniences you want, and then ask banks what they offer small businesses – just in case you missed something.

When you have decided which bank you want to work with, set up an appointment to open an account with the banker. You will need to prove that you own a business, which means that you will need to provide documentation to the bank. The documentation required will depend on the structure of your business.

If you operate your business as a sole proprietor with a fictitious business name (you have not incorporated your business or formed a partnership), you will need to show a certified copy of the fictitious name certificate to the bank. You get a fictitious name certificate from your city or county clerk after you have applied for and received your fictitious business name.

Many start-ups and one-person businesses operate using the sole proprietor business structure, as this is the simplest structure to use.

If you run your business as a corporation and want to open a corporate bank account, you will need an Employer ID Number. You would also need an Employer ID Number if your company will be hiring and paying employees. You obtain an Employer ID Number from the IRS, and you can complete the application form at their website. You will also need to bring your certificate of incorporation, corporate seal, corporate resolution and photo ID.

Opening a business bank account can be as easy as opening a personal account, and it does not necessarily cost a lot of money. In fact, you may be able to open a basic business bank account for free.

What Does the Home Business Solution Mean to You?

Best of the Best

Business professionals in any capacity working for some corporation or other in their respective departments see the home business solution once and get it.

It reads like a checklist of stuff they need to in order to ‘make it on their own.’ (executive envy of the CEO or owner)

1. Set my own hours, and design a personalized business plan
2. Get started immediately and learn while I earn
3. Know exactly what to do next with my step by step business system
4. Leverage the internet and the international market for unlimited income potential
5. Know that the business system is going to work

How To Be Sure

It isn’t just people losing their jobs and homes.

We’re watching vacation resorts changing hands, going up for auction or getting split apart by developers in a position to capitalize on the misfortune of others.

Business professionals are flocking to online home business opportunities without hesitation because they understand why they offer the most lucrative potential.

• Online business has continued to skyrocket regardless of the economy
• The consumer base keeps growing rapidly
• It only takes a few weeks to setup a fully automated internet business

In My Spare Time?

My wife always laughs when people speak about spare time. For most of us that’s an illusion. The truth is anyone can create spare time. Sound impossible? Let me explain.

1. This article was written between my morning cup of coffee and my breakfast
2. A brisk evening walk before bed and no TV allows you to wake up an hour earlier
3. In 20 minutes I can write at least 10 ads, post 10 tweets, or post to a blog
4. 1 article, video or training session per day for 30 days yields actual returns
5. You can do research, post, tweet or make phone calls from the park while watching the kids play

One of the best benefits of the online home business solution is that you don’t have to be at home, or spend a great deal of time building this cyber structure that can last indefinitely. I say indefinite because it’s hard to imagine it going away.

What It Means?

If you want to generate extra income, or replace your current income this is the solution.

In order to live where you want, go where you want, when you want, running a work at home business from anywhere covers just about every imaginable lifestyle.

You get immersed in a community of entrepreneurs who live exciting fulfilling lives and discover very quickly that they share one thing in common with you; they found the solution.

Tips For Opening a Small Business Checking Account

Business accounts are important for small businessmen, dealers or shop-owners. Banks usually offer a variety of accounts such as saving accounts, current accounts, fixed deposits; etc.According to the need and requirement, an individual can select an account for his use. For businessmen involved in businesses on a lesser scale, opening a small business checking account is indispensable. Ideally the businessman should open an account in the initial stages of business expansion. Before opening a small business checking account, there are several noteworthy features to consider such as daily transaction process which includes deposit and withdrawal as well as borrowing costs. Also banks have various offers to suit ones needs. Some of the tips to help you in opening the right account are as follows:

Analyze your business needs.An approximate measurement of your daily transactions such as deposit and withdrawal should be carried out. This helps a long way in laying down the right foundation for your business.

A small business checking account should be created if and only if you are starting a small company or a joint business involving partnership. Sole traders have the flexibility of operating with a single personal account.

Search and analyze the small business checking account schemes offered by different banks. Remember each and every bank has something different to offer than the other. Do not be compelled to open an account with a bank in which you have a existing personal account because your current bank may not offer great deals. So explore before finalizing!

Compare the costs and charges of each bank as negligence on this may create lots of hassles later. Also look out for hidden charges which your bank representative may avoid to inform you!

Opt for well-established banks which have a good track record.

The most important point to be kept in mind is bank charges. If the monthly or daily transactions are large, your bank may levy some extra charge. So be well informed about this! Some banks provide free charges for small period of time.

Your small business checking account becomes even more flexible if there are facilities for online payment and transactions. Online business banking has become popular and most banks provide this service. Transactions can be viewed from the comfort of your pc.

Lastly the bank which has a dedicated team to look after these business banking services.

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