{"id":1071733,"date":"2026-02-06T15:58:57","date_gmt":"2026-02-06T20:58:57","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=1071733"},"modified":"2026-03-27T17:19:59","modified_gmt":"2026-03-27T21:19:59","slug":"5-key-reasons-you-should-separate-your-personal-and-business-bank-accounts-in-2026","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/news\/5-key-reasons-you-should-separate-your-personal-and-business-bank-accounts-in-2026","title":{"rendered":"5 key reasons you should separate your personal and business bank accounts in 2026"},"content":{"rendered":"<h2>In 2026, growing companies need dedicated financial solutions. Getting the right business account can help.<\/h2><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><p><a href=\"https:\/\/t.finder.com\/aff_c?offer_id=23853&amp;aff_id=1047\" target=\"_blank\" rel=\"sponsored noopener\"><img decoding=\"async\" class=\"alignleft size-thumbnail wp-image-1655447\" style=\"margin-bottom: 60px; padding-top: 00px; margin-right: 25px;\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/12\/RBC_Supplied_320x200.png\" alt=\"RBC\" width=\"20%\" height=\"20%\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/12\/RBC_Supplied_320x200.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/12\/RBC_Supplied_320x200.png?fit=320 320w\" sizes=\"(max-width: 320px) 100vw, 320px\" loading=\"lazy\"><\/a>Sponsored by <a href=\"https:\/\/t.finder.com\/aff_c?offer_id=23853&amp;aff_id=1047\" target=\"_blank\" rel=\"sponsored noopener\">RBC Royal Bank<\/a>. Whether you do your business banking online, prefer to go into the branch or both, RBC has the business accounts that can help you manage cash flow and your business finances. Find the right account for your business today.<\/p><div class=\"luna-buttonGroup luna-buttonGroup--stretch luna-buttonGroup--stack@xs\" role=\"group\"><a href=\"https:\/\/t.finder.com\/aff_c?offer_id=23853&amp;aff_id=1047\" target=\"_blank\" rel=\"sponsored noopener\"><button class=\"luna-button luna-button--success\" style=\"margin-top: 10px; margin-left: 0px;\" type=\"button\">Learn more<\/button><\/a><\/div><\/div><\/article><div><\/div><p>So, you run a small business, and it\u2019s growing.<\/p><p>That brings changes. Managing your finances can be tricky, and your personal bank account might not cut it anymore.<\/p><p>But the good news is that you\u2019re not alone\u2014there <i>is <\/i>help.<\/p><p>Let\u2019s look at the numbers first.<\/p><p>A whopping <a href=\"https:\/\/ised-isde.canada.ca\/site\/sme-research-statistics\/en\/key-small-business-statistics\/key-small-business-statistics-2024\" target=\"_blank\" rel=\"noopener\">98.1% of businesses in Canada<\/a> are considered \u201csmall businesses.\u201d It\u2019s no surprise, then, that dedicated small business financial tools are essential.<\/p><p>RBC Royal Bank is one of Canada\u2019s leading providers of business finance accounts. In fact, you can see an overview of RBC\u2019s complete range of business accounts <a href=\"https:\/\/www.finder.com\/ca\/banking\/business-banking\/rbc-business-accounts\">right here on Finder<\/a>.<\/p><p>Separating your business and personal finances comes with many benefits and can help set your organization up for success:<\/p><ul><li>Get a clear overview of your finances<\/li><li>Track and manage your money and cash flow<\/li><li>Access dedicated business tools<\/li><li>Easily collect information for business reports and audits<\/li><li>Avoid conflicts of interest by separating business and personal spending<\/li><\/ul><p>Let\u2019s dig into these benefits and how each one can work for you.<\/p><p><a class=\"luna-button luna-button--fluid deal-button deals-trigger luna-button--success\" style=\"margin-top: 15px; border-radius: 12px;\" href=\"https:\/\/t.finder.com\/aff_c?offer_id=23853&amp;aff_id=1047\" target=\"_blank\" rel=\"sponsored noopener\">Get started<\/a><\/p><hr><h3>1. Get a clear overview of your finances<\/h3><p>In the early days of <i>any<\/i> company, the divide between \u201cpersonal\u201d and \u201cbusiness\u201d finances isn\u2019t always clear.<\/p><p>Business assets and costs may well be coming out of your own pocket\u2014especially before cash flow kicks in!<\/p><p>But separating them is a sign of growth and professionalism for your company.<\/p><p>For small businesses looking to separate their finances, RBC offers:<\/p><ul><li><a href=\"https:\/\/t.finder.com\/aff_c?offer_id=23853&amp;aff_id=1047\" target=\"_blank\" rel=\"sponsored noopener\"><b>RBC Digital Choice Business Account Package<\/b><\/a>, which is suitable if you mainly bank online and includes unlimited electronic debit and credit transactions<small><sup>2<\/sup><\/small>.<\/li><li><a href=\"https:\/\/t.finder.com\/aff_c?offer_id=24426&amp;aff_id=1047\" target=\"_blank\" rel=\"sponsored noopener\"><b>RBC Flex Choice Business Account Package<\/b><\/a>, which provides flexibility to bank online or in person.<\/li><\/ul><p>Separating accounts allows you to get a clear picture of your business finances all in one place. This can help you manage your cash flow, forecast more effectively, make adjustments sooner rather than later and potentially avoid future problems (more on that in a moment).<\/p><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><p>\ud83d\udcdd<strong>Business tip!<\/strong> Did you know the monthly cost of a business account is tax-deductible? This includes the <a href=\"https:\/\/t.finder.com\/aff_c?offer_id=23853&amp;aff_id=1047\" target=\"_blank\" rel=\"sponsored noopener\"><strong>RBC Digital Choice Business Account<\/strong><\/a>, which is only $6\/month.<small><sup>1<\/sup><\/small><\/p><\/div><\/article><hr><h3>2. Manage better cash flow<\/h3><p>Cash flow is critical for both short and long-term business success.<\/p><p>First and foremost, it ensures that you\u2019re able to manage day-to-day costs.<\/p><p>But just as important, it also allows you liquidity for future planning and taking advantage of in-the-moment opportunities as they arise.<\/p><p>When you\u2019re an RBC business customer, you\u2019re able to track business spending with NOMI.<\/p><p>NOMI offers practical features for day-to-day money management. It lets you track your spending, gives you a cash flow summary and shows you when your bills are higher or lower than usual.<\/p><p>Additionally, being an RBC business customer, you can easily access a range of other financial products, including <a href=\"https:\/\/www.rbcroyalbank.com\/business\/loans\/index.html\" target=\"_blank\" rel=\"noopener\">business loans and lines of credit<\/a>.<\/p><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><p>\ud83d\udcdd<strong>Business tip!<\/strong> As well as managing cash flow, it\u2019s important to look for ways to save cash for your company, too. With all RBC business accounts, including the <a href=\"https:\/\/t.finder.com\/aff_c?offer_id=23853&amp;aff_id=1047\" target=\"_blank\" rel=\"sponsored noopener\"><strong>RBC Digital Choice Business Account Package<\/strong><\/a> and <a href=\"https:\/\/t.finder.com\/aff_c?offer_id=24426&amp;aff_id=1047\" target=\"_blank\" rel=\"sponsored noopener\"><strong>RBC Flex Choice Business Account Package<\/strong><\/a>, you can link your card to save 3\u00a2\/L on fuel and always earn 20% more Petro-Points at Petro-Canada.<\/p><\/div><\/article><hr><h3>3. Get access to business tools as an RBC client<\/h3><p>As a business owner, you want to focus on what you do best\u2014growing your business!<\/p><p>So you need to look for the right tools and support. Thankfully, your business bank provider has a lot more to offer than you might think.<\/p><p>As an RBC business client, you can get access to a range of services and partners that can help with everything from accounting to HR. You can see the <a href=\"https:\/\/www.rbcroyalbank.com\/business\/beyond-banking\/index.html\" target=\"_blank\" rel=\"noopener\">full range of services beyond banking<\/a> on the RBC Royal Bank website.<\/p><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><p>\ud83d\udcdd<strong>Business tip!<\/strong> The <a href=\"https:\/\/t.finder.com\/aff_c?offer_id=24426&amp;aff_id=1047\" target=\"_blank\" rel=\"sponsored noopener\"><strong>RBC Flex Choice Business Account Package<\/strong><\/a> can help you save 40% on transaction fees made through RBC Online Banking, the RBC Mobile app and RBC ATMs.<small><sup>7,8<\/sup><\/small><\/p><\/div><\/article><hr><h3>4. Get access to easier reporting<\/h3><p>Separating your finances into a dedicated RBC business account can simplify recordkeeping for critical financial considerations, including:<\/p><ul><li>Outgoing costs<\/li><li>Invoicing<\/li><li>Income<\/li><li>Revenue reconciliation<\/li><li>Tax management<\/li><\/ul><p>When you don\u2019t have a clear division between personal and business finances, this becomes exponentially more difficult.<\/p><p>Separating them can allow for easier recordkeeping and reporting for your finance team.<\/p><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><p>\ud83d\udcdd<strong>Business tip!<\/strong> The <a href=\"https:\/\/t.finder.com\/aff_c?offer_id=23853&amp;aff_id=1047\" target=\"_blank\" rel=\"sponsored noopener\"><strong>RBC Digital Choice Business Account Package<\/strong><\/a> is designed to help you pay your staff and vendors more easily. You\u2019re able to make 10 outgoing <em>Interac<\/em> e-Transfer transactions every month at no additional cost.<small><sup>4<\/sup><\/small><\/p><\/div><\/article><hr><h3>5. Get better company insights<\/h3><p>One of the biggest benefits of separating your accounts is that you can better track internal spending and look for opportunities to scale.<\/p><p>When you need to conduct an audit or search through your financial records, having separate accounts allows for greater transparency, so you can easily trace your business expenses and cash flow.<\/p><p>Additionally, having your personal and business accounts separated can help protect you legally.<\/p><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><p>\ud83d\udcdd<strong>Business tip!<\/strong> The <a href=\"https:\/\/t.finder.com\/aff_c?offer_id=23853&amp;aff_id=1047\" target=\"_blank\" rel=\"sponsored noopener\"><strong>RBC Digital Choice Business Account Package<\/strong><\/a> lets you put money back into your business faster via unlimited electronic cheque deposits<small><sup>3<\/sup><\/small>, using your smartphone.<\/p><\/div><\/article><hr><h3>Conclusion<\/h3><p>And there you have it\u2014some of the key benefits of separating your business and personal accounts.<\/p><p>If you\u2019re looking to get started on the next big step for your company, visit RBC\u2019s website today to <a href=\"https:\/\/t.finder.com\/aff_c?offer_id=23853&amp;aff_id=1047\" target=\"_blank\" rel=\"sponsored noopener\">open a business account<\/a>.<small><sup>5,9<\/sup><\/small> You\u2019ll find plenty of information on the accounts available to you, as well as other resources for small businesses.<\/p><h3>Learn more about business accounts with RBC Royal Bank today<\/h3><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><p><a href=\"https:\/\/t.finder.com\/aff_c?offer_id=23853&amp;aff_id=1047\" target=\"_blank\" rel=\"sponsored noopener\"><img decoding=\"async\" class=\"alignleft size-thumbnail wp-image-1655447\" style=\"margin-bottom: 60px; padding-top: 00px; margin-right: 25px;\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/12\/RBC_Supplied_320x200.png\" alt=\"RBC\" width=\"20%\" height=\"20%\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/12\/RBC_Supplied_320x200.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/12\/RBC_Supplied_320x200.png?fit=320 320w\" sizes=\"(max-width: 320px) 100vw, 320px\" loading=\"lazy\"><\/a>Sponsored by <a href=\"https:\/\/t.finder.com\/aff_c?offer_id=23853&amp;aff_id=1047\" target=\"_blank\" rel=\"sponsored noopener\">RBC Royal Bank<\/a>. Whether you do your business banking online, prefer to go into the branch or both, RBC has the business accounts that can help you manage cash flow and your business finances. Find the right account for your business today.<\/p><div class=\"luna-buttonGroup luna-buttonGroup--stretch luna-buttonGroup--stack@xs\" role=\"group\"><a href=\"https:\/\/t.finder.com\/aff_c?offer_id=23853&amp;aff_id=1047\" target=\"_blank\" rel=\"sponsored noopener\"><button class=\"luna-button luna-button--success\" style=\"margin-top: 10px; margin-left: 0px;\" type=\"button\">Learn more<\/button><\/a><\/div><\/div><\/article><div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n  <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n  <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n  <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n  <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li><strong>Clear Financial Overview<\/strong>: Dedicated business accounts provide an accurate picture of business expenses for better forecasting.<\/li>\n          <li><strong>Improved Cash Flow<\/strong>: Setting up separate accounts with RBC Royal Bank can help you manage daily costs and access additional financial products.<\/li>\n          <li><strong>Access Business Tools<\/strong>: In some circumstances, RBC Royal Bank customers can leverage specialized services and partners for accounting, HR, and more (conditions apply).<\/li>\n          <li><strong>Easier Reporting<\/strong>: Separating finances simplifies essential tasks like invoicing, tax management and recordkeeping.<\/li>\n          <li><strong>Better company insights<\/strong>: Clearly see where your company\u2019s funds are going, and search through your financial records more easily in the event of an audit.<\/li>\n      <\/ul>\n\n  \n  <\/div>\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Disclaimer<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p><small><u>RBC Digital Choice Business Account Package<\/u>:<small><\/small><\/small><\/p><p><small><sup>1<\/sup> Standard fees and charges apply for services and transactions exceeding the number included in the account package.<\/small><\/p><p><small><sup>2<\/sup> Includes electronic (digital) debit and credit transactions to the account, such as online bill payments, pre-authorized payments (PAPs) and point of sale (POS) transactions. Standard fees apply for other services, including cheques and cash deposited at RBC ATMs, Pay Employees &amp; Vendors (PEV), Interac e-Transfer transactions and wire transfers not expressly included in the package when completed online. For full list of fees not included with the account review the RBC Digital Choice Business Account Package page.<\/small><\/p><p><small><sup>3<\/sup> Includes cheques deposited through the RBC Mobile App, RBC ATM and ChequePro.<\/small><\/p><p><small><sup>4<\/sup> Only includes outgoing Interac e-Transfer transactions sent on the RBC Online Banking for business or RBC Edge platforms. Excludes all other Interac e-Transfer services such as Autodeposit, Request Money, Request Money Fulfillment and Bulk Interac e-Transfer service.<\/small><\/p><p><small><sup>5<\/sup> In order to get a business bank account and account number online, the business must be a sole proprietorship or a single-owner corporation, in each case, with only one authorized signatory. The business must be registered in Canada or a business operated in Canada by a natural person who is a permanent resident of Canada. Additionally, the authorized signatory completing the online application on behalf of the business must successfully complete the personal identification portion of the application, including, without limitation, a credit bureau report to the satisfaction of Royal Bank of Canada. Multi-owner businesses or businesses that have more than one authorized signatory will be directed to the branch to get a business bank account and account number. Issuance of an account number does not guarantee that the account is operational. RBC may restrain the use of the account and require the business client to visit a branch to satisfy any outstanding requirements prior to operating the account. RBC reserves the right, in its sole discretion, to require that the business client visit a branch to complete the application. A business client that successfully completes the online application will still need to visit a branch to obtain a business client card and sign additional documentation, even if a bank account number has been issued. Actual completion time may vary from person to person and may be affected by a variety of external factors, including internet navigation speed and other interruptions. RBC does not accept any responsibility for any damage or loss that any parties might suffer resulting from any deviations from time indicated.<\/small><\/p><p><small><u>RBC Flex Choice Business Account Package<\/u>:<small><\/small><\/small><\/p><p><small><sup>6<\/sup> Standard fees and charges apply for services and transactions exceeding the number included in the account package.<\/small><\/p><p><small><sup>7<\/sup> Savings accrue from lower standard processing fees charged on electronic (digital) debit and credit transactions (vs. paper) such as online bill payments, pre-authorized payments (PAPs) and point of sale (POS) transactions. Standard account fee per electronic credit and debit transaction is $0.75 versus $1.25 per paper transaction. Fees and charges may vary based on location. Standard fees apply for other services, including cheques and cash deposited at RBC ATMs, Pay Employees &amp; Vendors (PEV), Interac e-Transfer transactions and wire transfers not expressly included in the package when completed online.<\/small><\/p><p><small><sup>8<\/sup> Savings range from 10% to 55%, depending on your account package. The Night and Day Deposit service may not be available in all areas. Fees and charges may vary based on location. Other fees and charges may apply.<\/small><\/p><p><small><sup>9<\/sup> In order to get a business bank account and account number online, the business must be a sole proprietorship or a single-owner corporation, in each case, with only one authorized signatory. The business must be registered in Canada or a business operated in Canada by a natural person who is a permanent resident of Canada. Additionally, the authorized signatory completing the online application on behalf of the business must successfully complete the personal identification portion of the application, including, without limitation, a credit bureau report to the satisfaction of Royal Bank of Canada. Multi-owner businesses or businesses that have more than one authorized signatory will be directed to the branch to get a business bank account and account number. Issuance of an account number does not guarantee that the account is operational. RBC may restrain the use of the account and require the business client to visit a branch to satisfy any outstanding requirements prior to operating the account. RBC reserves the right, in its sole discretion, to require that the business client visit a branch to complete the application. A business client that successfully completes the online application will still need to visit a branch to obtain a business client card and sign additional documentation, even if a bank account number has been issued. Actual completion time may vary from person to person and may be affected by a variety of external factors, including internet navigation speed and other interruptions. RBC does not accept any responsibility for any damage or loss that any parties might suffer resulting from any deviations from time indicated.<\/small><\/p><\/div>\n  <\/div>\n<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>SPONSORED: Separating your business and personal finances allows for greater transparency and gives you access to tools for managing your business.<\/p>\n","protected":false},"author":1291,"featured_media":1071899,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[351],"tags":[106865],"asset_tag":[],"class_list":["post-1071733","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-branded-content"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why Should You Separate Your Personal &amp; Business Accounts?<\/title>\n<meta name=\"description\" content=\"Here&#039;s why you should consider opening different bank accounts for your business and personal finances in 2026.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/news\/5-key-reasons-you-should-separate-your-personal-and-business-bank-accounts-in-2026\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Should You Separate Your Personal &amp; Business Accounts?\" \/>\n<meta property=\"og:description\" content=\"Here&#039;s why you should consider opening different bank accounts for your business and 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