Open a Business Bank Account the Right Way
Separate your finances, build credibility, and unlock business credit by banking smart from day one
🧭 Why This Step Matters
One of the biggest mistakes new founders make is mixing personal and business finances. A proper business checking account not only keeps you compliant, it also lays the foundation for getting business credit cards, funding, and building trust with vendors and customers.
💡 Raj’s Tip
Don’t use your personal bank. Get a business bank with no monthly fees, great online access, and tools to help you grow.
✅ Recommended Tools
Use one of these founder-friendly banks to set up your business checking account:
Best for:
Startups & tech-savvy founders
Why I Recommend It:
100% online, no fees, FDIC insured, fast onboarding, works great with Stripe + Wise
Best for:
Interest-bearing checking
Why I Recommend It:
Earn interest on balances, flexible features, easy sign-up
Best for:
Solo founders and small teams
Why I Recommend It:
No monthly fees, beautiful dashboard, multiple accounts/cards, integrates with QuickBooks
📦 WHAT YOU'LL GET
Business checking account
Virtual and physical debit cards
ACH and wire transfer access
Tools for tracking expenses
Connections to Stripe, PayPal, QuickBooks
🧠 PRO TIPS FROM RAJ
Use your official business name and EIN during sign-up
Avoid banks that charge fees or require large balances
Choose a bank that connects with your accounting tool (like QuickBooks)
🙋 FAQ
Can I use my personal bank account for my business?
You can — but shouldn’t. It causes tax headaches and makes you look less professional.
Do I need to visit a branch?
Not with the tools listed above — all offer 100% online sign-up.
🔁 NEXT STEP
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