Wow, Lily thank you! This is exactly what I needed to kind of set it all out in an orderly plan. You've really got it together and that is so sommendable. Thanks very much for taking the time to share these details with me. You've just made my whole weekend

And Tess, when you do go through all of this it will be a superb process to detail in the forums so be sure to keep us posted.

Thanks again Lily
If I might ask one follow up question? What would you say are the reasons behind keeping a business account and a personal account at different banks? I have such great service at my local credit union and had hoped to go through them but if you do think it's unwise I'll take your advice and look into other options.

Speaking of which, does anyone have any tips or touts on the best banks for setting up a business accounts. Which offer the best services and rates? I guess that's a tough one though and is more relative to area - so any national banks?

Thanks again!
Rose