Selecting the ideal business bank is certainly not an easy task. In fact, according to a recent Forbes.com article, it's difficult on two fronts: First, because products and services can vary so greatly at each bank, you really can't do an "apples-to-apples" comparison. Secondly, banking depends on developing relationships, which means you must find an institution that you connect with.

That being said, here are five questions that you should ask when selecting a business bank:

1.) Does the bank offer online cash management?

While there may be a charge for certain services, such as transferring money between different banks, having 24/7 financial access is imperative for the small-business owner who's too busy to run to the local branch.

2.) Does the bank offer the right expertise?

According to Forbes, not all banks work in all industries or with all sized companies. Because of this, you need to find the institution that can offer the specific expertise you need. Bear in mind: Young businesses might need a Small Business Administration (SBA) expert, and industry-specific needs could range from retail or hospitality to Citibank's new branch in Napa, California, which uniquely serves wine entrepreneurs. Their recommendation: Ask lots of questions, and don't just focus on rate shopping.

3.) What incentives does the bank offer?

Banks want your business and will try to woo you with incentives. In fact, banks try to entice customers with benefits ranging from checking-account discounts to business card perks. Citibank even offers discounts on prescription drugs, and PNC Bank will take 50 percent off "standard-loan origination fees to borrowers who agree to ‘go-green' by doing things like installing Energy Star-rated appliances and energy-efficient roofs."

4.) Does the bank provide excellent customer service?

To find the best people to work with, solicit advice from other customers. Bank managers can provide you with client testimonials, although handling complaints is also part of their job. Consider what your bank will do for you. Will it provide you with your own personal relationship manager like TD Banknorth in Portland, Maine?

5.) Are the bank fees reasonable?

With so many differing services and fees, it can be extremely difficult to determine where you will get the best deal. However, it's important to consider what services you need and what the associated costs will be. Is business checking free? Or, is there a monthly fee if the balance goes below a certain amount? What's the current interest rate on credit cards? How much will you have to pay if one of your customers bounces a check? If you're in a retail business and you need to collect cash from (and provide change to) customers, does the bank charge a fee for frequent, large cash deposits or withdraws? It's crucial to do your homework before you select a bank.

After you've determined the best bank for your needs, begin establishing relationships with the people who work there. Know your lending officer, the credit manager, the local bank manager - even the tellers. Banks like doing business with people they know, so form bonds before you need a loan or an additional line of credit. Remember: Selecting the ideal business bank requires a lot of research, but it is well worth the effort.