Why cant i get a business account if i dont want to borrow any money?

Look pay the credit card off, it would help your credit first of all and if you over draft and then close the account you will make it harder for you to get another anywhere else an in addition to that it has been my experience that if you chose another bank you should continue to go to the same one you open your account with and get to know the employees and i find you get better results you should be able to get a business account I had this same problem but only a check bounced on over draft but chase bank is a good place to start they help me with a business account you have a chase bank where you live?