ING Direct is an amazing online bank.
They have a business savings account, CD account, and investment account. But they don't offer business checking, unfortunately.
Their user interface/experience is the best. And they try to make you do everything online (which in your case is desirable).
HSBC Direct is another great online bank.
They have a business online checking account:
- No monthly maintenance fees
- No minimum balance requirements
- Unlimited monthly transactions at
- No HSBC fees when using non-HSBC ATMs
- 10 free wire transfers per month (5
incoming, 5 outgoing)
- Business Internet Banking with free
online Bill Pay
- Dedicated business customer service
- Ability to deposit checks without
leaving your office with Remote
- Special discounts on products and
services like Merchant Services
- MasterCard BusinessCard® Card with 0%
Their user interface/experience is old school. It reaks of the late 90's. For example, they use mail and phone in places that are unncessary nowadays. They mail you your initial password, and require you to activate your debit card by calling them. (ING Direct does the whole onboarding process online). And they require money transfers between accounts to take one business day. ING Direct (and every other bank I've used) do this instantly. And their email support people reply with corporate/robotic answers.
Despite HSBC's shortcomings, it does offer the full business banking solution online. And their rates are the best.
My experience with both banks is from personal accounts. Perhaps the business offerings of both is better automated and serviced.