In publication since January 16, 1998, The Crusader explores many of the changes needed to reorient our lives and put each of us on the "road less traveled" - the Road to Wealth & Prosperity. Enjoy the journey!

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To your financial success!
Al Crisp CPA

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When choosing a banking facility for your business, many options exist today. Not so long ago this was not the case, but today most every bank offers accounts tailored specifically for small businesses.

You'll want to choose a bank in your locale and develop a relationship with a banker so you'll have direct access to someone in the event problems arise. In addition to this, having a bank close by allows the convenience of cashing checks from your customers.

Many banks have numerous accounts developed for any financial level of small businesses. Most will always include essential services for running your business, including payroll services. If you do have paid employees, it is essential that you have a business account separate from your personal. This takes the pain out of keeping track of all your expenses as a business owner.

When deciding what bank to work with, you should consider the following in the next couple paragraphs. But always remember that these factors can be explored further by discussing them with a representative at the banking facility. Their experienced employees can help answer questions you may have about the bank and the services they offer.

Before opening an account, you'll want to find out what type of initial deposit they require. This often varies between institutions, but most require one. You'll also want to educate yourself on the annual fees associated with the type of business account you are wanting to open. This too varies from bank to bank. Some institutions have accounts with no annual fees and are great for start up companies. However, they usually don't offer all the services of other accounts. You'll want to verify what services each account offers including, such things as, online banking, and check writing and deposit fees.

Online banking can be an excellent way to monitor your account without having to call or visit the local banking branch. Some banks may charge a fee for online banking, whereas other may include the service free in the annual fees charged for the business account. Also, some banks may have greater options when it comes to online banking, including the option of electronic bill payments. Finally, see what type of credit services the bank offers for small businesses.

Having two separate banking accounts, one for personal use and one for business use, will cause you a great deal of relief around tax time. It is imperative you keep the two separate so you can be sure to file the correct amount for taxes. Furthermore, it is just easier to have two accounts, especially if you have employees and do a monthly payroll.

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