If you don’t want to pay common banking fees, simply choose a bank that doesn’t charge them. Most online banks, for example, don’t charge transaction fees. Some (like Bluevine) don’t even charge overdraft fees or NSF (non-sufficient funds) fees. But even if you go with a traditional brick-and-mortar bank, many banking fees are pretty avoidable. Pretty much all banks give you a certain number of free transactions or let you deposit a certain amount of cash for free. If you’re concerned about overdraft fees (we’ve been there), you can always sign up for overdraft protection by linking your small-business checking account to another account, like a savings account or a personal checking account. As for ATM fees, many banks have “in-network” ATMs that let you withdraw cash without paying a fee. And if that’s not an option, some banks will refund you a certain amount of ATM fees each month.