Bank accounts and service. Seriously. When you are a startup, a typical model is you deposit $2mm or $4mm or whatever of VC money and spend it down. You are a

Bank accounts and service. Seriously. When you are a startup, a typical model is you deposit $2mm or $4mm or whatever of VC money and spend it down. You are a brand new company with no income and a bunch of money. You trip all their fraud flags, and all their models for credit are based on income, age of account, etc. Payments to vendors would constantly get frozen, incoming wire transfers get flagged. Getting a cash-backed company credit card wasn't possible. It has improved slightly recently, but still very tough. Overall, I'd say very few startups use the big banks today. If they're not with SVB, they're with other mid-size regional banks.