i would suggest you go with kcb - get into biashara club. i was with coop who required i bank for at least 6 months, but after a yr they wouldn't look at me. then i moved to equity and became a member, but was shocked to realise they're the most expensive bank for an sme!! they charge 3 times for a check book, will pass the cost of searching the co. registration details to you (i never experienced this with kcb or coop), and many more. when i went to ask for lpo financing (which they had said takes only 3 days to process, i stayed for 2 weeks without response only to be told by credit officer that i hd to bring colateral, so i wondered what for since the lpo is financing itself...in kcb i bankd for 5 months and accessed over a mili for working capital using an lpo with no extra cost!!! you just need to create a very good working r/ship with the branch guys and they'll push your facility for you like their life depends on it...and they also hv overseas biz trips and local seminars! they took me to china last yr oct for a trade fair at a very decent all-inclusive cost..