A couple of years back I opened a Bank of America business checking and savings account to go along with the Bank of America personal checking account I already had. The reason I did this was to keep my business expenses separate from my personal expenses like the IRS recommends.
I am an iOS app developer so I receive a direct deposit from Apple each month. When I opened the business account, I redirected the direct deposit from my personal checking account to my business checking account. Problem with this is now I get charged a $12 fee on my personal checking account which would normally be waived if I had at least a $250 direct deposit go into the account each month.
So my question to you is, should I just bite the bullet and redirect the direct deposit from Apple back into my personal checking account so I don't charged the fee? Or is there a cheap way that I can send an ACH to myself from my business checking account to trick B of A into eliminating the fee? Has anyone gotten around this before?