Ask HN: Who provides the most flexible business banking for a small llc?

A lot of banks charge fees for business checking accounts, so I recommend finding a credit union. If Navy Federal is in your area, they are excellent. I have five [free] business checking accounts with them, and haven't had any issues.

I also have an account with Azlo, which has been pretty good, but I don't think they support paper checks.

This has been my experience.

Created LLC with incfile. During process, they offered me a 1-click bank account with Bank of America.

I declined because I have other accounts in Citi. I went through Citi, spent 6mo trying to get a business account. Gave up and made another personal account. (the problem might have been my immigration status as I was in the process of getting my green card.)

My understanding is that biz accounts are just more expensive.

Check out Blook, they form your LLC and provide you with a business bank account too. https://blook.io