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Business bank accounts advertise low fees prominently and hide the expensive ones. Reading the full fee schedule reveals what actually costs money.



Monthly maintenance fees are visible but often waivable.



Transaction fees are less visible. Many accounts include a certain number of free transactions per month and charge for the ones above that.



Cash deposit fees appear at some banks. Depositing physical cash beyond a certain monthly threshold can trigger fees or percentage-based charges.



Wire transfer fees vary widely. International wires can cost fifty dollars each or more.



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ATM fees for out-of-network machines.



Coin ordering fees for retail businesses.



Early account closure fees.



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