Tips on Setting Up Your Small Business Bank Account

One of the first things you will need to set up is a bank account. We recommend a large bank because:

They have locations everywhere

They have longer hours

They will probably buy out your local community bank anyway

If you are an owner/operator of a small business, you will appreciate having a Debit or ATM card for your business. They also have easy to read statements for merchant accounts, little or low fee checking accounts, locations in the grocery store, weekend banking, business credit cards (VISA or MC), small business loans, auto loans and leases, etc. If you run a lot of locations and are expanding your business you might even ask the local manager to fax you weekly confirmation of daily deposits made during the week.

When opening an account always ask about checking account fees, primarily deposits per check charges. Try to have these reduced or eliminated. If you wish to shop banks and fees, don’t forget to shop service. We recommend these ten tips when selecting a bank.

Make an honest list of the services you want and those services you really need and then interview banks to see which services they provide on your ‘shopping list’. Be careful at big banks. Ask for the branch manager and not the new accounts sales girl. Chances are she’s just out of college and doesn’t even understand real world banking relations or hand-shaking deals at the Rotary Club or golf course. She’ll be too ‘By-The-Book’ to answer any real questions.

Start seeking referrals from long standing community and business leaders. Perhaps a local CPA, home based business consultant or small business owner. Make sure you get advice from people you respect.

Geography is important, but it should not in all cases be the deciding factor. You should start with nearby banks.

Visit the bank. Are there long teller lines? Is the staff courteous? Do they smile, etc.?

Sit down with a bank officer and don’t be afraid to ask the tough questions: Do you really want our small company’s business? Are you interested in long-term relationships? Will I be able to work with a certain specific person on a continuing basis? Will you treat me like a number? What is your turn around time on loan applications? How many layers of management are there until I get to the president? What’s his or her name? Have you ever met them? May I?

Make clear exactly what you want and need from a banking relationship. Will you be looking for a loan soon? Like any other relationship, communication is the key to a good banking relationship.

Don’t fall for flashy ads that promise you stuff and they forget your name next week. You might even come back the next day and ask “Do you remember my name? If they don’t, smile and walk out.

Try not to be misled by free toasters or mouse pads if you open an account. These free items won’t help your car wash business thrive, but a good banking relationship can.

Remember, that a bank’s service is gauged by the service it provides, not it’s brochures, gimmicks, signage or billboard ads.

Evaluate the relationship when you have been with a new bank for six months. Honestly evaluate how things are going and share your conclusions with your banker. The best banking relationship is one where both parties are open and forthright and where issues can be discussed that will lead to a long-term mutually beneficial partnership for the expansion and betterment of your car wash franchise.

Check Ordering For Business Account

Why does ordering checks and replacement checks cost so much?

Because banks make a profit on the checks you order. For a little less than one-half the cost you can order your own checks and eliminate the middleman – that’s the bank. Call:

Current Check 1-800-426-0822;

Checks In The Mail 1-800-733-4443;

Deluxe Checks 1-800-4DELUXE

All three firms guarantee that their checks meet industry standards. We’ve ordered from all three. Deluxe is faster if you’re out of checks, but still have money left. They do cost an average of $4.00 more per box.

Interest Bearing Accounts

If you choose an interest bearing checking account, be sure to take a close look at the other associated fees. It may say it’s a free account with no fees and that it’s interest bearing, but if you fall below a pre-determined balance you may pay exorbitant fees or if you have high activity such as lots of checks written or deposited, you may be charged a fee anyway. If it’s a per check fee it will undoubtedly be higher than a normal basic account.

You should not pay fees on a business savings account if fees are charged for your checking account you may seriously want to consider switching banks.

Choosing a good bank for your small business is very important, please take this initial step in your business seriously, you’ll be glad you did.

5 Tips Small Businesses Can Take Away From The Tiny House Movement

What on earth could small businesses learn from the tiny house movement if your industry is unrelated? It comes as no surprise that the growth, mission, popularity and purpose of the tiny house movement have grown over the past decade. People are joining this movement for financial freedom, environmental and leisure enjoyment. These owners reduce skyrocketing maintenance costs and living expenses that come from soaring mortgage payments of capacious houses. This movement also frees up more time to spend with family and travel.

Over the past decade, we have seen the increase in restructuring, downsizing and corporate dismantling by many large firms. According to the U.S. Small Business Administration, 99.7 percent of all employer firms are small businesses. While this percentage is an impressive number, there are some great tips many small businesses can take away from the tiny house movement.

  • Compact and mobile: Owners of tiny houses downsize to reduce the overabundance of clutter, high mortgage payments, and freedom to do more things they want to engage in. They have the capability of hitching their home on the back of a vehicle and can save money on hotel costs when traveling. Depending on your type of business, with the ease and digitization of many applications and smart devices, you can mobilize your business and take it anywhere. Even if you relocate, your business can be just as portable. Small businesses may be compact in scale, but can be substantial in their return on investment.
  • Energy and cost-efficient: Tiny house owners save money by lower operating costs, energy usage, and maintenance costs. You will find innovative ways to curb your budget in certain areas that will free up money for other important business investments to grow your business. Small businesses may not use up as much energy and power as larger organizations. You can operate more efficiently as well as effectively.
  • Environmentally conscious and sustainable: Tiny houses may be built using environmentally friendly and repurposed materials. They are built to last but are as unique and aesthetically appealing as the details in a larger home. Small businesses can apply similar eco-friendly elements and recycled supplies to their organization. Make a statement with personalized and customized brand installations on a smaller scale, but with great innovative curb appeal.
  • Technological advantages: Technology is not as big and bulky as it once was. Tiny houses can embody the same level of digitization as larger homes, just on a smaller scale. At one time, big businesses had the upper-hand with harnessing more advanced applications in technology. Nowadays, not only is technology more advanced and constantly evolving, many elements are far more affordable than they’ve ever been.
  • Innovative: While tiny house living is not a new phenomenon it is increasing in popularity. The idea of living a quality life on a small-scale pushes us to new levels of residential creativity. We are inspired to try something new, creative, and innovative that will make us stellar in our industry. Since many quality products and services are more affordable and reliable, small businesses can make quality purchases and outsource services that will save on equipment and personnel budgets.

Just because a small business may adopt a few ideas from the success of the tiny house movement, some of these applications may not be feasible or appealing to your particular industry. You don’t have to sacrifice quality for affordability. Small businesses have the power, however, to promote their business with creative, personalized and exceptional customer experiences, regardless of size and budget.

5 Internet Marketing Tips Small Business Owners Need to Know

Online corporate giants almost always intimidate small business owners who are starting a business online. After all, these corporate giants have the money, time, and professionals in order to make their website businesses profitable. Online marketing for business may cost thousands of dollars, and because of this discourages some small business owners to not follow through with the e-business strategies they have in mind.

However, most people don’t know that business internet marketing is not always costly- it just always has to be effective. For small business owners who want to figure out business marketing online by themselves, here are five internet marketing tips that can help you work on internet business marketing effectively and for FREE:

Why Spend When There are FREE Tools?
Inexperienced small business owners can easily be persuaded to purchase expensive internet marketing tools because of advertisements with “flowery” and promising words. Our advice to SMO’s is this: use Free Internet Marketing Tools to market your site, generate traffic, and learn the Internet Marketing process through experience. You may purchase professional Internet Marketing software only when you understand how it works, lest you want to waste money on a product whose potential you cannot maximize.

Work on Your Email Campaign
The email campaign is the most intimate and effective approach for internet marketing for business. Connect with people who are already interested in your products or services. In this way, your marketing efforts will pay off through direct sales that are most likely made from customers who have subscribed to updates from you (which means that they want your products and services).

Embrace Social Media Marketing
Connect with as many people as you can for FREE by using Facebook, Twitter, and any other social networking site. Signing up is free and it’s easy to find contacts (and prospective clients) by simply adding friends and regularly posting updates. The beauty of social media marketing is this: the network of contacts is virtually endless and it’s up to you to make your own network grow.

“Give in order to receive”
A clean method of internet marketing for small business is offering free eBooks and software downloads that can lure interested site visitors. Join forums and share your knowledge and expertise. Prove that you are a company with a genuine interest in your clients rather than merely being a money-making effort by a work-at-home individual.

Let YouTube Help Your Business
People have the tendency to watch videos over reading boring text, so make it a point to be active in YouTube and post related videos. This approach for internet marketing for local business is especially effective in reaching out to young audiences.

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