[sebandr]

Dump Chase - many banks will create an EIN for you - Wells Fargo does - and they do a pretty painless job of setting up a business account without all these hassles. I've used them for several start ups I've done so far. Plus they have a pretty decent online portal that helps you keep all this organized. Plus a nice trick that most don't tell you about: banks will charge you a monthly fee ( $20 approx.) to have a checking account, but if you open a savings account also and fund it periodically, they waive the charge. If you set up a rotating transfer each month of $100 back and forth between the two accounts then you don't incur any charges - voila, free checking! Good luck.