I would say depending on your area/bank. I will give you this tho. If you plan on accepting credit cards and need a good payment processor. My barber runs this from his smartphone https://squareup.com/. My reader is on the way
At the end of the day, throw them a bone and you would get great service i.e. tell them you would open a consumer savings acct depending on how thinks go with your business checking acct.