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Well, when i started mine, as i recall I loaded it with my business credit card. The card treated it as a cash advance, and charged me the cash advance fee, which i then wrote off as a necessary cost of establishing the account.
For me the business credit card is the equivalent of a business checking account.
The few times I have to write checks for things, I do write them from my personal account, making notes for the business record of check numbers & amounts & purposes etc for the taxman.
I don't have the same philosophy for organizing this kind of business as you, so my experiences presumably dont apply.
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