Are you looking to operate your business under a name that’s more aligned with your brand or offerings than its legal or registered name? Obtaining a Doing Business As (DBA) can give you the flexibility to market your business and accept payments under a new, professional identity. However, you’ll need a dedicated DBA bank account to effectively manage finances and maintain professionalism.

This guide will walk you through everything you need to know about DBAs, their benefits, and the steps to set up a DBA account. From ensuring legal compliance to streamlining financial management, we’ll explain how a DBA bank account can support your business’s growth and credibility.

What Is a DBA?

A DBA, or “Doing Business As,” is a legal term that allows a business to operate under a name different from its registered legal name. This designation is commonly used by sole proprietors, partnerships and limited liability companies (LLCs) to create a brand identity distinct from their personal names or official business names.

For example, if a baker has a business license under their name, but runs a bakery under the name “Sweet Treats,” they would file a DBA to legally use the name “Sweet Treats” for business activities.

DBAs serve several important purposes:

  • Brand recognition: A catchy or descriptive DBA can help businesses attract customers and improve their marketing. It allows owners to create a unique brand identity for their target audience.
  • Legal compliance: Registering a DBA is often a legal requirement in many states and municipalities. 
  • Banking and financial transactions: A DBA is essential for opening a business bank account under that name. Banks typically require proof of DBA registration to ensure that the account is associated with a legitimate business entity.
  • Flexibility: A single entity can have multiple DBAs. This allows business owners to branch into different markets or product lines without needing to establish a separate legal business entity for each.

To register a DBA, business owners typically need to submit an application to their state or local government. They may also be required to publish a notice in a local newspaper. Once registered, the DBA protects their business name from being used by other companies in the same jurisdiction. In other words, a DBA gives the owner exclusive rights to that name.

Is a DBA Right for Your Business?

If you’re considering operating under a different name than your business license, you may need a DBA. Use the steps below to determine whether a DBA is best for your needs.

Assess Your Business Structure

If you’re a sole proprietor, your legal business name is typically your personal name. To run your business under a different name—such as “Sarah’s Custom Designs” instead of “Sarah Johnson”—you’ll need to register a DBA. This allows you to create a professional identity for branding, marketing, and banking purposes without forming a separate legal entity.

If you’re part of a partnership or LLC, a DBA can help create a distinct business identity that better reflects your brand or service offerings, separate from the legal names of the partners or members.

Understand Legal Requirements

Many states and municipalities require businesses to register a DBA if they plan to operate under a name other than their legal business name. Research your local regulations to determine if registering a DBA is necessary for compliance.

Consider Banking Needs

Many banks require a registered DBA to open a business account, as it verifies your right to operate under a chosen name. A DBA allows you to accept checks and payments in the business name, which is crucial for maintaining professionalism and building customer trust.

Additionally, separating personal and business finances with a dedicated business account simplifies accounting, tax preparation, and financial management. It also protects your personal assets by clearly distinguishing between personal and business transactions. Without a DBA, you may face limitations when working with vendors, clients, or financial institutions, so registering one is often a critical step in setting up your business for success.

Weigh the Benefits

If you’re serious about your business identity, it’s a good idea to register your DBA. Doing so can offer significant benefits in terms of branding, legal compliance and banking. If you’re still unsure whether a DBA is right for your business, talk to a legal or business professional for tailored advice.

What Kind of Banks Support DBA Bank Accounts?

When opening a bank account under a DBA name, you should choose a bank that understands the specific needs of DBA businesses and offers flexible, supportive services. Most banks and credit unions support DBA accounts, but some are more suited to small businesses and entrepreneurs. 

Online-only banks are an excellent choice for DBA bank accounts, especially if you’re just starting out, are comfortable with digital financial management and want to minimize fees. For entrepreneurs seeking a flexible, low-cost option, North One is an outstanding choice.

However, traditional banks such as Chase, Bank of America and Wells Fargo also offer DBA accounts. These may be a good option if you prefer having access to in-person branches. These banks typically provide a wide range of business banking services, such as loans, credit lines, and merchant services. However, traditional banks may also have more documentation requirements, higher monthly fees or minimum balance requirements for business accounts.

Finally, local credit unions can be another option. Credit unions often provide competitive rates on loans and business credit cards for qualified members. However, not all credit unions support DBA accounts, so it’s best to confirm before applying.

How to Open a DBA Bank Account

Here are the six steps to opening your own DBA bank account.

Register Your DBA  

Before opening a bank account, you’ll need to legally register your DBA with the appropriate state or local government agency, usually the county clerk’s office or a state business department. This process varies by location—check with your local government to find their requirements. Once approved, you’ll receive a DBA certificate or official documentation, which the bank will require as proof.

Gather Essential Documents  

To open your DBA account, you’ll need a few key documents. DBA bank account requirements typically include:

  • Your DBA certificate or registration paperwork
  • Personal identification, such as a driver’s license or passport
  • Your Social Security Number (for sole proprietors) or an EIN (Employer Identification Number) for LLCs, partnerships or corporations
  • Additional business documents, like partnership agreements or LLC operating agreements, if applicable

Choose the Right Bank  

Next, decide on a bank that best fits your business needs. Consider factors like monthly fees, banking features and whether they offer business-specific tools like expense tracking or integrations with accounting software. North One is a top option for DBA accounts, thanks to its low fees, flexibility and online accessibility—though traditional banks and credit unions also offer reliable options.

Visit the Bank or Apply Online  

Depending on the bank, you can open a DBA account either online or by visiting a branch. Online-only banks like North One allow you to complete the application digitally, making the process quick and convenient. For traditional banks, you may need to go in person with your documents to set up the account.

Fund Your New Account  

After your application is approved, you’ll need to make an initial deposit to fund your account. Most banks have a minimum opening deposit, so check with your bank for specific requirements.

Start Using Your DBA Account  

Once your account is open and funded, you’re ready to use it for business transactions. Make sure your DBA name appears on checks, invoices and payments. This helps maintain consistency and transparency for your customers.

Ready to Open a DBA Bank Account?

Opening a DBA bank account isn’t complicated. By following these six steps and choosing the right banking partner for your needs, you can establish a professional banking presence that aligns with your business identity. 

Whether you opt for a digital-first solution like North One or prefer the traditional route with a local bank, the key is finding a financial partner that supports your business goals. With your DBA bank account in place, you’ll be ready to build your brand, manage your finances professionally and take your business to the next level—all under a name that truly represents your vision.