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If you're a sole proprietor, it's perfectly legal to deposit business checks in your personal account.
You can open a business bank account once you've gotten your federal EIN. Most business bank accounts offer perks that don't come with a standard personal bank account. Protection. Business banking offers limited personal liability protection by keeping your business funds separate from your personal funds.
Business owners can open a business checking account online and still have access to in-person banking when they need it. Unlike online banks, traditional banks often place caps on free transactions and deposits, and many charge a monthly fee but offer ways to waive it.
Opening a business bank account requires proof of identification for both you and your business. Examples include your state-issued driver's license or passport, your business license or your partnership agreements. Your business also may need to provide additional materials.