Almost painless Almost painless. My loan officer was very kind, understanding, then quickly worked to determine how she might help me. I had her full attention, until my business was completed. I felt quit comfortable as I was walked thru the process.

I find no benefit to using this bank … I find no benefit to using this bank over a local bank. If you are a small non-profit they want to charge you a monthly fee to use their services, but they do give free accounts to profit earning microbusinesses. Plus their advertisement of setting up the account quickly online in 10 minutes is completely false advertisement. They do require you to speak with them before they will setup your account.

Just add documentation I am very happy with my micro business checking account at SBB. It was easy to set up and offers cell phone deposit, free paper checks, a debit card and more. I think the $5/month fee is fair... I didn't shop around exhaustively for a "better" deal. The telephone support is good. I'm not overwhelmed by the online banking website, or by the account terms documentation. In my opinion it can be confusing, incomplete, or even slightly contradictory (from one document to another.)

Impossible to Access Online We tried to use Small Business Bank for an early stage startup. It worked fine until we brought in an accountant who needed to have access to the account. Unfortunately, at that point, everything started to break. Each time he tried to get into the account, there was a new challenge question. Finally, the account even got locked out by even the account owner. We had to move our funds just to be able to do routine banking transactions. Not a great experience.

RUN AWAY RUN AWAY. I have been a business customer since 2014. This bank "upgraded" their online portal and app. I lost all access to every transaction. They offered to 'mail or fax' my past statements. Seriously? No access to anything online before March of 2021. The new system doesn't allow a transaction search or any detail. How is this allowed by the Feds in this day and age? Thier customer service has never been good, now it's horrible. Moved to Capital One