Business Banking Review   Without doubt, the most important first step for a small business is a bank account. The question is which bank is best? There are many banks across the UK offering business banking and the choice is  varied indeed. On this page we are going to look at the choices from selected banks who not only provide business accounts for those in good credit standing, also banks who offer adverse bank accounts for those with poor credit.     The Cooperative Bank. This bank offers the standard business account and also a basic business account for those with bad credit. If you do not have a personal account, this bank  can offer you a full  account or for those with bad credit  they offer a VISA Electron  charge card which you can  top up at a post office or by post.   Cooperative bank: Personal account enquiries: 08457 212 212  http://www.cooperativebank.co.uk/servlet/Satellite/ Comments: For a personal account with VISA Electron card, they are exceptional.   HSBC HSBC offer a very good choice of business accounts and offer good advice and a friendly service.   Internet Banking Helpdesk Lines are open from 8am to 10pm every day   0845 600 2290 +44 1226 261 226 (textphone 18001 08457 125 563)   Barclays Overall, I found an account with Barclays a pleasure. They offer a choice of business accounts and other investment accounts. If you have bad credit, they will offer a sympatric ear and are a pleasure to deal with.   Tel: 0845 601 0106   Lloyds TSB We bank with them, they are totally approachable and the customer service team are exceptional. Lloyds offer standard business accounts and for those with bad credit, they will give you a chance with a basic business account. Whenever we have had a query, the account manager has put things right in a very short space of time. Highly recommended. Business account questions 0845 072 5555 or +44 1392 899 091