Starting an LLC is pretty easy. In HI it's about $50 and some paperwork. Once I got my business license I submitted my invoice and received a cheque written to the name of my business. To cash this cheque I need a business account.
My bank's requirements are the business license, Article of Organization and a EIN. The business license and AoO come together as part of the application process, the EIN comes from the IRS and can be applied for online using a Wizard, but only during business hours. It takes <10 minutes if you have all the information ready, the same information outlined on the business license and the AoO. Additionally, my bank asked that I hand write:
I am applying for a business account with [my bank]. I will be the only member to access the account.
They asked why type of business I have. IT consulting. They didn't know what that was. After all these incantations the account was opened and deposited my DoE cheque which, despite being issued by the state, has is held for 2 days.
None of the requirements are available on the website.