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I'd be extremely careful about mixing your personal accounts with any potential company funds. It will become a nightmare to keep things straight. Save yourself and just create a dedicated account. As, I think you'd be opening yourself up to all kinds of hurt if you attempt something like that.

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Thanks! That's what I fear.

When you say dedicated account, do you mean just another personal account? Or a business account (hence setup company)?

You do not need to incorporate or form an LLC to establish a business account. A sole proprietorship is just doing business as yourself. It's particularly easy if you have your own name in the business name. No paperwork/DBA publishing required for the bank.

(For that matter, you don't even need a business account... Just an account that is dedicated to your business transactions.)

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