Posted by MarkB_MI on November 27, 2016 at 04:08:10 from (70.194.7.218):
In Reply to: Bank monthly fee... posted by chuck2015 on November 26, 2016 at 11:07:55:
We have several accounts with banks and credit unions. Generally speaking, credit unions will charge a buck or two monthly maintenance fee, but most will drop that fee if you have direct deposit and/or go to paperless statements.
Most credit unions issue no-fee credit cards with reasonable interest rates.
I manage an LLC that only needs to write one or two checks monthly. For that, we have a "Business Economy Checking" account with Bank of America. As long as there is at least $3000 in the account the monthly service charge is waived. The number of checks per month is limited, not sure the number. (Whether or not this deal is available outside Michigan or to new customers I don't know.)
Take a look at the banking services you have available locally. If you can join a credit union, that's almost always going to be your best bet. But if you need a business account you'll probably have to go with a bank. There's a wide variation in the fee structures at various banks, and the one that initially seems the cheapest may not be.
If you don't need to make cash deposits, you might be able to get by with an online-only bank, like Ally.
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