Ask HN: Experiences with small business banks with an API?

We're getting into a unscalable reseller business in California and wondering: what's the best starter SMB bank that has an API, convenient services and lowest fees? We're gonna need a bank account, ATM/debit card and maybe a credit card, iOS and Android support.

Looking at Seed.co, SVB, SBB, CapitalOne Spark, BofA

Thanks for your time.