Online Business Checking Accounts
Which is better, a business checking account, or a business brokerage account?
Also what are the differences? Can the business still have checks and debit cards, as well as be able to accept online credit card payments?
I think a business brokerage is tied to a brokerage account, so you can have the money in a money market, stocks, etc.
You can get checks, debit cards and process online payments with a brokerage account. But check first what your bank offers for it’s brokerage accounts.
I would assume a brokerage account is better since interest received on a checking account is basically nothing. You’ll have better interest in a money market. But if you plan on not having a lot of money in there, a regular checking account may be best. There may be account minimums that you have to maintain with the brokerage account.
Forgot to answer about online payments. You can tie any account to accept online payments, but you need to be setup with a gateway and pay for credit card processing. If you have a website and are taking credit cards at the site, it would be a good idea to go through a third party site that can handle all the encryption and security end of processing online credit cards vs. processing the card at your site on your own. This can happen all behind the scenes so it appears to the customer that you processed the transaction, but the security (encrypted information) is all handled at another site.
I am not an expert on this kind of thing, but it is out there. I am using paypal for my own website since it is a trusted name and I don’t have to store any credit card info at my site, that is all handled by paypal.
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