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Online Banking
What busy entrepreneur has the time to dash to the bank during daylight hours? Look for online cash-management (which eases the sending of invoices, collecting of payments and cutting of payroll checks) and loan-application services--often free for small-business depositors. Bank of America and JPMorgan Chase have gone a step further, charging as much as $15 per month for additional online services, such as transferring money among different banks and creating custom-logo invoices.