How to Open a Small Business Bank Account

Business bank accounts offer many benefits, even if you own a small one-person business. Keeping your personal and business finances separate is essential and of course makes bookkeeping easier. You will appreciate this even more during tax time.

With a business bank account, you will also be able to write checks and accept customer payments to your business name, something that shows clients and business associates that you conduct business in a professional manner. You gain respect and trust. In addition, having a relationship with a bank can help you establish credit, get a business credit card and even obtain financing if needed.

Just like any other product or service, before opening a bank account, you want to shop around to compare banking services. Do you want to save money with a basic account that charges minimal fees? Are you looking for additional merchant services, financing or hands-on customer service? Do you want to be able to conduct all of your banking activities online or take advantage of online bill pay services? Consider the conveniences you want, and then ask banks what they offer small businesses – just in case you missed something.

When you have decided which bank you want to work with, set up an appointment to open an account with the banker. You will need to prove that you own a business, which means that you will need to provide documentation to the bank. The documentation required will depend on the structure of your business.

If you operate your business as a sole proprietor with a fictitious business name (you have not incorporated your business or formed a partnership), you will need to show a certified copy of the fictitious name certificate to the bank. You get a fictitious name certificate from your city or county clerk after you have applied for and received your fictitious business name.

Many start-ups and one-person businesses operate using the sole proprietor business structure, as this is the simplest structure to use.

If you run your business as a corporation and want to open a corporate bank account, you will need an Employer ID Number. You would also need an Employer ID Number if your company will be hiring and paying employees. You obtain an Employer ID Number from the IRS, and you can complete the application form at their website. You will also need to bring your certificate of incorporation, corporate seal, corporate resolution and photo ID.

Opening a business bank account can be as easy as opening a personal account, and it does not necessarily cost a lot of money. In fact, you may be able to open a basic business bank account for free.

VoIP Business Solution – Saving Your Company Money

For a business VoIP plan, the cost currently is somewhere less than $50. Businesses are allowed to make calls to anyone in the USA and Canada at anytime on their home, business and cell phone free of charge.

While this probably won’t be of much concern when you’re calling a friend, but remains a huge topic for businesses that constantly use telephone communication for discussing pertinent business information. Those with home offices can also this as a separate business number.

For home or small business users, cable Internet service will provide the biggest savings, as most DSL service requires a land line telephone service account. In order to make use of VoIP business solution for placing internet telephone calls, you will need to subscribe to a service plan provided by one of the major VoIP service providers in business today.

Some companies charge for technical support, while many provide support during normal business hours. This is done remotely by the VoIP Hosted PBX provider, which also provides your company with greater flexibility to respond quickly to changing business or market conditions.

While the new VoIP service can save the average user a lot of money, a VoIP solution is by far an practical means for most small business users.

There is only one telecommunications solution that has the flexibility and capability to ensure business continuity and to keep business communications running in a major catastrophe — VoIP hosted PBX service. On the other hand, if you want business flexibility you should consider a small business package that costs more, but adds services like conferencing, a separate fax line, even an 800 number.

VoIP Phone Services- You also should to consider how easy-or how difficult-it is to install the service, both as a business option and for home use. If you are a internet shopper consider that most of the time you will be able to run across a discount code or rebate if you buy through a third party link.

To get started, there are some major players and most reputable VoIP providers in the small business and residential VoIP industry right now: Vonage, Packet8, and SunRocket. The quality and reliability of service has improved so much within the past year or so that a VoIP solution is now suitable and reliable enough for everyday residential and business use. Voip service plans offer voice over IP phone service, landline, long distance plans, cellular phones, cellular calling plans, broadband access to the Internet and a host of Internet and telecommunication services to residential, SOHO and small business customers nationwide.

The best way to choose a VoIP Business solution plan would be to search the better business bureau for complaints against the company, search Google reviews of complaints, opinions, or stop by a well rated VoIP forum and ask for advice.

Learn how a VoIP Business Solution can provide your company with huge savings when using a Business VoIP Solution.

VoIP Small Business Solution

Many small businesses tend to lag behind their larger counterparts in their use of new technology. Those that do may be doomed, not only to remain small and fail to realize the growth that their initial potential may have promised, but also to lag behind their smaller competitors. In fact a VoIP small business solution can not only save small businesses money, but also significantly increase their communications efficiency.

It is a proven fact that technology can contribute a great deal to growth, irrespective of the size of the company involved, and even a single VoIP network can give a small business a competitive edge.

Not only can a small business VoIP solution dramatically reduce the size of a phone bill to the company concerned, it can also help to reduce the phone bills of their customers. A VoIP subscriber can select any area code it wants to use, so that if the majority of their customers operate from New York, the business can offer these customers calls at the local rate, even if that business is located in Los Angeles.

In fact this type of small business solution to communication costs can allow them to offer toll free numbers to their more important customers, a service hitherto only economically feasible to larger companies. How’s that for a competitive edge? In many businesses image is everything and this VoIP small business solution to competing with the big boys is a massive incentive to adopting this new technology.

This is not all that a VoIP small business solution offers, however. There is also the advantage that the provision of VoIP telephones to sales personnel allows them to communicate with head office, and every other company employee issued with a VoIP handset, free of charge irrespective of distance.

Because the VoIP small business solution to telecommunications, like all other VoIP applications, involves communication via the internet, such communication can be made using software and hardware suitable for IP use such as PC, laptop, palm computers, PDAs, Bluetooth and any other technology suitable for packetized internet transfer and reception. By use of VoIP small business solution technology, small businesses can at last compete with networked corporate companies in speed and flexibility of communication.

Conference calls integrating other web-based voice and video presentation technologies can be arranged at the click of a button, and customers can be impressed with corporate technology at small business prices.

A VoIP small business solution is available for any medium to small company structure, and simple networked systems can easily be incorporated due to the intrinsic internet and web-related technologies involved. This makes facilities available to small businesses which previously had been the domain only of the large corporations that could afford them.

With a customized VoIP small business solution, companies of any size can tick off communication as one more step towards not only competing with large corporations, but getting ahead of their peers with respect to communications efficiency, image and speed of response to requests and enquiries.

After all, if you can communicate with a colleague in Japan quicker and at lower cost than your competitor can with Boston, what chance does he have? A VoIP small business solution designed specifically for you can achieve this as standard – it is not an expensive option!

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