[DanLar75]

I would recommend the Business banking for the full amount. Give that you can 'maximize' your interest/return in other forms of accounts BUT it is much more important to you as a start-up to be able to have cash at hand quickly if an opportunity presents itself AND if you are to negotiate larger deals you might have to prove that you have funds at hand.

In my opinion it's not worth the hassle and small extra income to complicate your capital structure.

[moneymoron]

This is more or less what I was hoping/expected to hear.

[DanLar75]

Well also depending on what your business is, there is also the risk that tying up funds might end REALLY badly. For example if you happen to be hosting your own servers or tangible assets and suffer a major breakdown just a few days of not being able to access enough funds could kill or at least very seriously hurt your company.