We formed a LLC in Delaware as a 50/50 partnership. We have an agent in Delaware, EIN, Operating Agreement, Articles of Organization. Our company will operate over the internet as a technology/software company where user's can pay a subscription fee to use the online software.
We want to open a business account with Chase Bank in Illinois but we have been told that we need to register our Delaware LLC with the Secretary of State and make these extra filings, paperwork and fees in order to open a business bank account.
What is considered "operating" in Illinois? Is having a bank account in Illinois considered operating? We don't sell anything in a physical location or sell anything specific to Illinoisans because we are an internet company. Our business does not have any connection with Illinois specifically outside of just having a business bank account so I am a little confused on why the extra registration and fees are needed because in the LLC, I thought income tax falls on the individuals and not the business itself.
Is this specific to Chase bank? Can we just use a personal bank account instead?
My assumption is this extra stuff is not needed because even though it is an LLC, we will be taxed as individuals and money made would be part of our incomes and we are selling software over the internet. I am understanding that these extra things are required because we are trying to specifically open a business bank account. So if we just don't do that, can we avoid this?