The question of when a business is big enough for a separate business account is a tricky one. Although, there are differing opinions on the subject, it is always best to have a business bank account, regardless of the size of your business.
In fact, small business owners are wise to open a business account before making any business transactions, according to due.com/blog. There are several reasons to separate personal and business banking but the primary reason is that is never a good idea to mingle funds. Commingling funds open the door a piercing of the corporate veil which can personally expose you to your business’s liabilities. Mixing personal and business funds can also lead to accounting and tax problems in the future.