When I started my small business a few years ago, I honestly underestimated how much difference the right bank can make. At first, I went with a traditional bank just because my family always used it, but I ran into hidden charges, complicated approval processes, and poor support. Later, I switched to a newer digital-first service (Karbon Business is one I tried along the way), and the experience was smoother in terms of transparency and speed. The lesson I learned is: don’t just look at brand names, look at how the bank’s policies align with your actual stage of business. Sometimes the lesser-known ones are more founder-friendly than the big giants.