Since you know the importance of leaving an extra cushion for your business, you also know that a Business Savings Account is a smart choice. There is no maintenance fee for the account as long as you maintain a low $200 balance. If you dip below $200, then there is a $9 maintenance fee per quarter.

You will earn interest while having immediate access to your funds. You will be able to withdraw funds nine times per quarter. All extra withdrawals after nine will have a $1.25 fee for each withdrawal.