@ians,
Your account manager also has a great influence on your experience with your bank.
We had a shop which required regular cash banking and regular EFT's as well. We were registered on the pay-as-you-use package. No one asked us when we opened our account which pricing option we wanted. I didn't even know there were different packages.
We ended up paying up to R1800 bank charges per month.
Only upon enquiry and complaining about the fees, did my account manager inform me about these pricing options. After changing to the appropriate option - R700!!
I feel that she should've kept an eye on the account (as I know they do, because they contact you regularly regarding the overdraft and funds coming in), and given me the option without me asking.
So, at the end of the day what I am trying to say, is make sure that the pricing option they are giving you, will be sufficient for your business. Go through the brochure and make sure what is included and what the terms and conditions are.
I hope it works out for you!
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