So, I opened a business account with a local small bank called Bank of American Fork. So far so good. They haven't annoyed me, but I have been disappointed with their online banking. I realize that the reason for all their free stuff is that they can't compete otherwise.

Case in point... It's been a couple weeks since I opened the account, but I haven't received a debit card yet. So I call my branch and ask them why I haven't received one. The answer is that I need to fill out a form in order to get a debit card. Saaaaay what?!? Ok, this one was my fault, I should have asked them point blank about this.

My credit union, on the other hand, have been a total pleasure to work with. They let me pick a design for my debit card right when I signed up. Not only that, but they also told me that I could upload a picture and use that in the card instead of their stock stuff. I got my debit card with the US flag about 5 business days after I signed up.

Their online banking is superb. Their bill pay is free, and very sophisticated. They have relationships with almost all of the companies I have monthly bills with. On top of that, I can also setup entries for persons. Nice! The other thing that impressed me was that I didn't have to do the 2 small deposit thing with PayPal. It looks like America First Credit Union has integration with PayPal. I only needed to enter my bank account's password and answer the security questions and I got confirmed right away. Nice!

So I have a decision to make. I'm currently running as a sole proprietorship, since I didn't want to bother with a LLC, until SystemWidgets has a nice cash flow. I either continue with Bank of American Fork, or close the account there and use my personal account at America First Credit Union. I also have a joint account with my wife over at the credit union as well, so I can use my personal account to keep my business expenses apart from the family stuff. The no fee business account at BoAF is terribly tempting, but the hassle/annoyance factor is starting to increase.

I know that I ultimately have to make the decision myself, but I would love to hear from the people who read my humble blog.