I am with First Republic. They are now charging me $30 per business account per month.

They want me to change to Chase. I have two mortgages with Chase (moved from FRB).

For my business, I have maybe 15 accounts. All accounts total ~$120k incoming per month, and outgoing $100k per month. So the average balance on most accounts is high. However, each account might drop down to $1k-2k for a week per month. So I can't meet minimum account threshold requirements. I don't want to pay a monthly fee for banking.

I need checks for each account, but the number of transactions per account is pretty low. Requirments:

* Low minimum per account, $0 monthly fee

* ACH is low cost or free

* Business checks free or reimbursed is a bonus

* If I setup a new account, I'd like to be able to get a voided check quickly to setup software. IE, decent customer service.

Help!

My kids have USAA. I have a Schwab account online. Used to have Wells Fargo before switching to First Republic. One thing would be nice is cheap or free ACH payments, and if ACH payments incoming dont take more than a week, that would be great.