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hello Nick----Chase generally caters to  larger business clients, and
typically over  fees the small business accounts...as a startup you will
have minimal checking activity and should attempt to limit your expenses
whenever possible...I would suggest you trying a federal savings bank in
LA.,generally smaller in asset size, but offering most of the products of
the larger istuitions such as chase, capital one,etc. for example,I got on
the internet and saw that one west in los angeles offers a business  account
with an$18 monthly fee..online banking ,250 transactions.,etc.the fee is
waived if you maintain a balance of $15,000... I suggest that you look at 2
or three that are conviently located and pick the account to fit your
needs..as far as earning  interest on your money..rates are at record lows,
but you should be able to park the excess in a money fund account and make
transfers to the operating account online..the account rep should  explain
this...plaese let me know how it  goes and give me a shout for any reason.