What is the best option out there that you know of for banking.

my needs are for the most part this.

Need to beable to pay via credit/debit card to distributor in the amount of 500-10,000 dollars for the invoices.

need to send customer's checks or some form of payment for incenitives for previous purchases and such/rebates.

and of course low or no monthly maint. fees and such.

registered as sole prop. in case that makes a difference.