My wife and I run a small business using quickbooks. The customer service sucks and that’s the best thing that can be said.
As for US Bank. We tried changing to them. It was just for one account on a truck we split off of the main business. They screwed up nearly every transaction. Our experience was bad from the day we went in to open the account. It seems like they have more rules and regulations than any other bank. The service with the truck had more cash transactions. Not huge, maybe a couple hundred a month in cash. Each time we went in to make a cash deposit we got the third degree about where it came from, who we were, DOB, signatures. All for a few hundred bucks. We finally gave up and closed the account. When my wife went in to close it, they continued to make things difficult. It took about an hour, and they demanded a reason. Finally, she told them it was because of, “this shit right here.”
Find a local bank and do business with them.
I think the answer is in the question. If they are employees, they can’t be 10-99 contractors. The two are very different.