Small businesses face challenges amidst Fed rate cuts and competition from non-banks offering enticing APYs. Despite this, SMBs exhibit growth, prompting FIs to target this sector strategically. Bluevine's high-yield checking account for small businesses demonstrates the demand for high returns and cash flow flexibility. Customized banking experiences are crucial for small businesses, with regional banks outperforming larger institutions in customer satisfaction. FIs can leverage technology and data-driven approaches to tailor services to SMBs' needs, including industry-specific solutions and collaborations with fintech companies. Education on less mainstream banking services, like positive pay, presents an opportunity for FIs to monetize and enhance customer relationships. By expanding services, customizing solutions, and providing educational support, FIs can gain a competitive advantage and foster long-term relationships with SMBs.