When Sue Rexford opens a small-business banking account for her new venture - Bodhi Tree Therapeutic Massage - she will be looking for a financial institution that can provide two things: convenience and low fees. "Those are the key factors," says Rexford, a licensed massage therapist who opened Bodhi Tree in South Orange, N.J., in September.

As a small-business owner, Rexford's concerns are pretty typical. Industry experts and analysts say that branch proximity and attractive account rates and fees are among the top concerns cited by small-business owners looking to open new bank accounts.

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