Originally Posted by daycarediva:
I have payroll (for myself) directly taken out of my business account and direct deposited into my personal checking. ALL 100% daycare use items are purchased with my business checking. I don't have anything except for bills under T/S% really.
Get a better bank! My business account is free. 
My business account used to be free then they started charging me $15 a month (at Chase).
I like having separate accounts because all of my daycare income goes into that and I can pay 100% business things straight out of that account so keeping track of expenses is easier for me.
My income goes into that account, I transfer 10% of the deposit to my business savings account, transfer what I need to my personal account, transfer another 10-15% to my IRA (all from my mobile app). Doing this helps me organize my finances better.