Ask HN: Bootstraped Startup Banking

What are good options for small, bootstrapped SaaS services? All options I have found so have rough requirements, e.g.

- >5k in Cash-on-Hand - >10-15 Transactions per Month - >5k in Monthly Income

These are rough numbers, but without some combination of the above they will hit you for $30-50 per month in "service" fees. I am looking at bootstrapping a product myself and have money to put in, but I don't want to lock up large sums of money nor get nickle-and-dimed by big name banks for more than my monthly server costs at-launch.

Is this simply the state of business banking or do better, less known options exist?