You can always file a C corp or LLC in your state, then once your Tax ID #, you can open up a business account. On the application, put signer not owner of the business.
It should cost $80-150 to do this. You get a debit card in your name and the company's, can deposit checks in your name, etc.
You can do this through the mail too.
Message Edited by kbox on 11-08-2007 09:23 AM