@Bamboo, you have posed a very intriguing question whose answer would be all banks. When we talk of an SME account, what comes to mind is a business current account which across all banks would have no minimum balance requirement. The trick would be in the monthly ledger fees and maintenance fee. And how easy would it be to get an overdraft. If you drew a cheque of Kes.900K while your account balance is 895K, would your bank clear it for you or return it to the drawer with those two words that are every entrepreneur's nightmare; "Insufficient funds". Would your bank take note if your monthly turnovers started growing from say Kes.500,000 p.m to Kes.2M p.m ? And would your bank be willing to stand with you before you get your footing or would they rather watch from a distance until your risk profile drops to an acceptable level ?