What are the best bank options for a small business owner in the US with a history of overdrafts and a credit score of 620?

I totally get where you're coming from - managing finances as a small business owner can be tough, and overdrafts can happen to anyone. I've done some research and it seems like some banks are more understanding than others when it comes to minor mishaps like overdrafts. For example, I've heard that Bank of America and Wells Fargo have more lenient overdraft policies, and they both offer online banking, mobile deposit, and wire transfer services that you mentioned you're looking for.

Another option you might want to consider is a credit union - they often have more flexible requirements and may be more willing to work with you despite your credit score. I'd recommend checking out the National Credit Union Administration's website to find a credit union near you that offers business accounts. Keep in mind that you'll likely need to provide some documentation to open an account, such as your business license, tax ID number, and financial statements.

It's also worth looking into online banks like Axos or Novo, which specialize in business banking and may have more relaxed requirements. They often have user-friendly online platforms and mobile apps, and may offer more competitive fees and interest rates. Just be sure to read the fine print and understand their overdraft policies before signing up. I hope this helps, and I wish you the best of luck in finding a bank that works for you and your business!

One last thing - it's a good idea to give the bank a call before applying to confirm their requirements and ask about any specific documentation you'll need to provide. This will save you time and hassle in the long run, and ensure that you're prepared for the application process. Good luck, and I hope you find a bank that gives you the second chance you're looking for!