[Crystal-clear]

they always had little digs at me but last weekend i paid in quite a few cheques in the cashier said what are these for ? im like drrr my job

i MUST open a business account she said u need to have one and you cant use your personal acc, i said no im a sole trader not a ltd and i do not need to have one she went on saying these cheques cost us money to process you are getting free banking i went on saying , i do NOT want to pay x amount per cheque or per transaction she said well you get a free period here take a card and speak to so and so he will open you one.but she was so serious about it.

im thinking , what the hell....i will open a business account when i am ready in other words when it is needed for the image of my business right now its an unnecessary expenses surely if it was law to have a business account as a sole trader the bank would write to us explaining properly not cashiers harassing us

[Lee Burbidge]

Open an account with Santander Business account. Its all free banking. There loss.

[Crystal-clear]

Open an account with Santander Business account. Its all free banking. There loss.

thats what im prob gona do im sick of getting harassed! up to 100 cheques a month and no charges for bacs or payments from paypal?

or should i speak to my bank manager first tell him ill just take my business els where unless his cashiers back of lol

[LWC]

Mine did this to me, and i opened one up, and i regretted it, and also my accountant told me to get shut, i was paying £30 - £50 a month for paying in cheques, i just thought ah well for a while then thought...why should i pay for it.

Ive gone back to my personal account now. You could always do what i do and use the cheque deposit point then you dont have to speak to anyone. 

I love how people who are employed are allowed to have their wages paid into their personal account but we're not?!?!?!

[Pope vader]

a lot of it has to do with the government and money laundering,

[Mike #1]

I prefer having business account as in past with commercial work i have requested cheques to made payable to me rather than the business name they would  end up been made out to the business and i had the hassle of sorting this out 

Looks more professional having everything made to the business and it keeps everything separate .   MIKE

[LADDER MONKEY]

if you dont pay it in bank charges, you only gotta pay the tax man. so try and get a few perks out of as much as you can m8 

[Mike #1]

if you dont pay it in bank charges, you only gotta pay the tax man. so try and get a few perks out of as much as you can m8 

Totally agree mate thats what i think as well .  MIKE

[Crystal-clear]

are they not just trying to sell me something i dont need if the penny dropped i would go to Santander even thou the bank charges are tax deductible its still an expense not needed.

LWC its funny how when you pay it in with the self deposit way you get no stick lol i cant believe we are getting it from a cashier

[Alex Wingrove]

Open up an account with Natwest or HSBC they have automated machines so you don't have to talk to anyone, therefore no one can complain.

Some even let you pay in coins, adds up to an extra £50 a month for me, just from coins

[Crystal-clear]

Open up an account with Natwest or HSBC they have automated machines so you don't have to talk to anyone, therefore no one can complain.

Some even let you pay in coins, adds up to an extra £50 a month for me, just from coins

Alex its crazy how a bloody cashier makes people wana only use those deposit boxes lol its as if we are hiding away from them! why cant they just leave us be!

[LHill]

Open up an account with Natwest or HSBC they have automated machines so you don't have to talk to anyone, therefore no one can complain.

Some even let you pay in coins, adds up to an extra £50 a month for me, just from coins

I'm with santander bb and they don't allow you to pay checks over the counter everything has to be done by the atm machines.. santander are good for given us free business banking for life.. I'd recommend getting an account before they change their minds about given free bb..

And like others have said it look so much more professional being paid into you business account name.. makes me feel like I'm no tax dodger when I ask for checks to be made in my business name.

[GEMclean services]

im with barclays i get a little invoice each month you owe us x for 3 cheques, 4bacs, xxxx what a load of bull s*it there supposed to be helping businesses not charging them what is the difference between a personal or business account they still wont give you a loan no matter how much you prove you can repay it and your still the same person , just working for yourself not someone else either way your getting paid by either cheque or bacs  really sore point for me

[geefree]

I have paid all my cheques into my current account for 5 years...

They never say a word ... why? ... because i put them all in the envelope provided and drop them in the deposit box,

by the time they come round to doing them, its nearly closing time and they cant be bothered to write to me, they just want to go home....

plus , they cant see a face to tell off !

 

[Lee Burbidge]

Open up an account with Natwest or HSBC they have automated machines so you don't have to talk to anyone, therefore no one can complain.

Some even let you pay in coins, adds up to an extra £50 a month for me, just from coins

I'm with santander bb and they don't allow you to pay checks over the counter everything has to be done by the atm machines.. santander are good for given us free business banking for life.. I'd recommend getting an account before they change their minds about given free bb..

And like others have said it look so much more professional being paid into you business account name.. makes me feel like I'm no tax dodger when I ask for checks to be made in my business name.

This is exactly what I a talking about - free banking at Santander. I use it for my Ltd company for pass 10 years (back then it was Abbey)
I do all my transactions online, post the odd cheque if it needs be. I recieve a lot of BACS paymenst into the account and put cheques into a deposit envelope. I can put this into any Santander ATM at any time.

I have never had a problem.

[L.J.Thorpe]

let me guess......Lloyds tsb

[P @ F]

DONT GET ME STARTED ........HALIFAX   

I hate them so bad , no sooner am i through the door some pleb jumps on me and says use the machine over here , i say no thanks , they say it will save you time , i say i have lots of time , i then explain that i would like to deal with a human as the money needs to show by the morning to clear the mortgage , if your machine develops a glitch you will stuff me for a bank charge , i win , then i have to face the counter plank , do you have a business account , i say no , you should what with paying in these chq's ,i then explain that i wont pay your bank charges as i cant afford them , this works at the mo !

I have now gotten into the habit of taking a bag of coin with me , here they cant take coin at the mo so i get left to go to the counter, on friday i had no coin and got accosted on arrival , usual blah blah , i tell him i have a Q about my credit card , he says they dont deal with credit cards at the desk , what a crock of bull , they can sell you one i say , he then says ring them up at a cost of 50p a min , i tell him to do one , he then goes to the cashiers and tells them to not take my credit card Q as i will be ringing them , i had a good mind to floor him but did not , such a shame im in the red with them at the mo as i would have closed both accounts there and then !

Rich

[stuart mc]

last week someone put a post up on what the benefits of a business account were, and you all argued against it, just read these reply's and it seems a no brainer to me, you are running a business just get one and be done with the hassle of getting cheques paid in on the sly

[P @ F]

Stuart , its not a case of doing it on the sly , why pay money for nowt ?
personal acc .... no charge
biz acc.............charge

HMMMMM ........ TRICKY NO BRAINER THAT !

Rich

[stuart mc]

Stuart , its not a case of doing it on the sly , why pay money for nowt ?
personal acc .... no charge
biz acc.............charge

HMMMMM ........ TRICKY NO BRAINER THAT !

Rich

pay a small amount to the bank in charges or pay more in tax to government, either way you are paying to bank that cheque, look at the bigger picture