Larger institutions use their size as a weapon. But recently, large banks have changed their approach. When you build a relationship, you can feel the discount. Stay away from the large banks, or you'll get discouraged. Shop around for the best deal.
Bank fees vary widely.
Some banks offer free checking or eliminate fees altogether if a minimum balance is kept in the account. Don't be afraid to negotiate. Even though one bank may charge higher fees than another, if that bank provides networking opportunities that can help you build your business, the added income can more than make up for any fees. Don't forget other services. Small-business owners constantly need to watch the bottom line.