[robterrell]

More time than I can count at my last startup, our personal relationship with an actual live human at the bank saved our bacon when stupid bank bullshit strikes (i.e. big check from client comes but the bank automatically freezes the money for some interminable time period, etc.) I highly recommend business banking with people who know you. You can do specialty stuff with specialty bank later, when it's warranted. Right now you just need a business checking account. (And it sounds like you could use payroll, too.)