Find a United States banking institution that offers business credit cards

Many banks feature some kind of business card that carries helpful services for business owners, such as free cards for your employees to use, monthly spending reports, and low introductory rates. Just the ability to separate your business account from your personal one is a benefit.

I recommend: Bank of America allows you to compare business credit cards on their site, and this bank even has a special small business section. Citigroup also features a small business section on their site, and offers many rewards cards that give rebates or cash back on office supply purchases, gas, and restaurant expenses.

Simplify your business banking in the United States experience with a business checking account

Not every bank offers accounts just for businesses, but the larger ones do. If you would rather stick to a small local or regional bank, make sure they offer business checking. If you plan to get a business savings account, ask your bank if they offer that, as well, before signing up for checking. Having all your accounts at the same bank allows you to simplify your financial life, and makes online account management easier.

I recommend: Compass Bank is a smaller, less intimidating bank than many of the national banks. Located in only five states, this bank is not too big, but is savvy enough to offer free business checking. Another regional bank, Wachovia, also offers free business checking, along with more complex checking accounts to help you manage your money.

Select from among the United States banks offering an interest-bearing business savings account

If you want to earn some interest on your company's profits, you can open a business savings account and connect it to your business checking account, just like you would with a personal account. This makes it easy to move money around for free, should the need arise. Money market accounts are also often available, allowing you to earn higher interest.

I recommend: Wells Fargo offers both business savings accounts and money market accounts, allowing you to have access to your money while earning interest. Chase also offers business savings accounts with low monthly fees, high interest rates, and easy access to your money.