Originally Posted by Mogulman

A personal guaranty is extremely common. I can set you up with an account without it, but then the Bank requires that you show 2 years of business financials instead.

Regarding your rate, that's a very good deal. But becareful with your mid and non-qual rates. If you expect a lot of business card, foreign cards, or don't pass through the right transaction info, then the transactions will be downgraded so you never see that 2.19%. I've seen non-qual rates as high as 5%.