personal or business bank account?

[Squatticus]

just curious do most of you just use a personal bank account and track finances or do you have a business and personal account?

[KyleAaron]

It depends how big you go. If it's just you and 10-20 clients, you only need a personal account. If you have 50+ giving you money and/or employ someone else, you need a business account.

This is the same question which in Australia would be phrased as, "Should I be a sole trader or have a separate business?" Which is also a liability question, too: if you're sued, and your personal and business matters are all mixed, you may lose your house, if they're separate, this is less likely. But suing trainers is rare because most of them are broke.

[Ronin4help]

You should get a business account. It's free to set up and the monthly fees are always low (if any). This way, clients can make the check out to you personally (which if you have a sole proprietorship you can deposit personal checks) or they can use the business name.

[SeanFxxx]

I would get a business account. As mentioned the monthly fee is low (or none in my case if you use the clover for credit cards) and it just makes things easier come tax time.