Whether it's a social statement or a cold calculation, businesses and non-profit organizations face unique challenges when contemplating moving their money. Unlike consumers, it's not just about depositing checking, savings and rolling over CD accounts. They have things like: Operating accounts, reserve accounts and in some cases special restricted use accounts. They pay payroll and income taxes which means they may need to set up electronic payment connections with the IRS' EFTPS system as well as various state franchise tax agencies. They pay employees and need to set up connections to payroll processing systems that often execute direct deposits. They write checks to pay bills.