Chase was quite easy a few years ago. You just set it up with your Social as a Sole Proprietorship. It required me going to my local clerk and registering "my business" and then I was good to go. Cost maybe $15 and I can use the paperwork to apply for bank bonuses and easily make the money back. Biggest question they will ask is about how much business you will do in a year. 5K, 10K, 25K, etc.