Hackers and makers! How do you manage funds and expenses?

As an early stage maker, how do you manage funds and expenses? Do you have full fledged bank accounts opened or just put together hacks? E.g. we at Narration Box have a transferwise account. We get payouts from stripe and then pay expenses using the wise account. But since transferwise is not a bank and basically a "money transfer" company, we face couple of problems like payouts sometimes get delayed, we end up paying ridiculous transaction fees, etc. Is there a better way to deal with this kind of stuff for early stage products? Would love to hear your ways and opinions.