Access to basic banking services has become more expensive in recent years. As banks look to offset loan and other losses, they are increasing the fees they charge consumers and small-business owners for paid services and converting previously free services (like checking) to paid.

Small community banks and credit unions, however, still have not seen a significant increase in new accounts. Despite the complaints, customers tend to stay with their existing bank for convenience, trust and other factors. Yet some small banks are becoming more creative and taking the initiative to become more competitive with their larger competitors. This makes them viable alternatives for small-business owners interested in switching.

Learn more at Bankrate.com.

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