I heard of both of them but I am yet to see anyone being able to use either of these banks to set up something personal. And I guess that really depends on what you want to do, which was not specified here.
Can either of you verify if either of these banks or some other bank actually allows commercial applications, like stores and such?
I've never heard of retail level ish people banking with them. It's probably more trouble than they can be bothered with. Far easier to deal with a handful of big time clients than a bunch of minnows. Worth asking all the same but the answer is going to be no most likely.