It varies by bank. However, it is not unreasonable to have 4 accounts. For example, business checking, business saving, personal checking, personal saving.
More important is to keep the amounts REASONABLE. The more money running through them, the more attention you will attract. The idea is to keep their reps from thinking that you are an International Drug Cartel.
Some banks also have problems with deposits coming in under different names. But BOA is not one of them.
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