(TheInc.com) — When your financial institution doesn’t provide the services your company needs as it grows, you should consider making a change. Now more than ever, a good bank is hard to find. With a widespread credit crunch, a flurry of mergers, and the threat of new regulations, teh relationship between banks and there small business clients is strained as never before. That has led many companies to consider switching backs. But closing one account and opening another is often easier said than done.It’s no easy task to find the optimal bank for your business, though, and research indicates that “switching costs”—the hidden costs you incur when you leave one back for another—can be quite high.