You do not need to incorporate or form an LLC to establish a business account. A sole proprietorship is just doing business as yourself. It's particularly easy

You do not need to incorporate or form an LLC to establish a business account. A sole proprietorship is just doing business as yourself. It's particularly easy if you have your own name in the business name. No paperwork/DBA publishing required for the bank. (For that matter, you don't even need a business account... Just an account that is dedicated to your business transactions.)