As an accountant by education and experience, I would strongly suggest that you find a competent, experienced CPA and trust his advice. Only someone intimately acquainted with the details, goals, strengths and weaknesses of your entity is going to be able to give you the best counsel. Remember also that any decision you make regarding the structure and strategy of your business will eventually affect you personally as well. I am trying to decide which style of incorporation is best. Inc. would good.
Banks vary widely on account features, fees, and requirements.
One of our businesses found a bank that offers small business checking with no fees for 3 years and small opening balance. It can be done. First, it depends on which state your business is located in. I, personally, wouldn't recommend such a move. It is almost always better to charter or organize a business entity in the state in which the office is located.