What you probably want to do is form a corporation (inc.) or an LLC. You can get the forms from the Secretary of State's office.
Once you do that, then you will also need a Tax ID number. Then you should be able to open that small business checking account at your local bank. Just to be sure, though, call the bank and ask what they require as proof of ID, etc. to open the account. That generally will tell you what you need to do.
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