My business name is registered so that I have a BIN number for tax purposes however I use a personal bank account and have cheques made out to my own name as a result so they can be deposited and cashed and in the memo part I have the parents write 'for daycare between X and Y' for their records as well

I have never had an issue with my personal bank questioning the amount of cheques I deposit and if they do not REQUIRE you to have a business account I would not 'volunteer' for one

IMO it is CHEAPER to keep your personal account or open up a seperate 'personal account' that you use only for business if need be .... because when you open a business account they ASSUME you will be making huge transfers of money as a 'business' regardless that you are just a teeny tiny home childcare operator and they set their service charges and so forth accordingly - I prefer to do 'no fee banking' and honestly my clients pay bi-weekly ... the 10 deposits I make a month would hardly be worth the 'business account' and as i said my bank has never questioned that I am using a personal account for 'business' so I am happy to just keep doing so