Do I need a separate bank account for my business?

You want one, and here's the plain reason: money that never touches your personal account is money you can actually account for. Come tax time, the difference between a business account and a shoebox is about six hours of your life and a much better temper.

There's a sturdier reason too. If you filed an LLC to put a wall between the business and your house, running everything through your personal checking is a hole in that wall. Keep the business's money in the business's name — it's half of what "separate entity" even means.

What a bank typically wants to see: your formation paperwork from the state, your EIN (free, from the IRS, minutes), and your ID. Call the branch and ask for their list before you drive over — every bank has its own. A local bank or a credit union in your county will usually treat a one-person shop better than an app will.

Builders, not bankers or accountants — this is the plain shape of it, not advice for your situation.