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If you are starting a business it is best to separate all of the business things from the personal things (such as bank accounts). Start by registering with the IRS, then state, then locality in which you live. It’s a long process.

Registering a name is in your best interest. It ensures that nobody else can use that name and create confusion in the future.
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You should do the filings yourself–you don’t need Legal Zoom or another service.

Here’s the process. It’s really not that complicated:
1. Find your state’s "secretary of state" website, and download the forms for registering a business. You’ll need to decide what business structure you want to use–I would probably recommend an LLC if you’re the only one running the business, but a C-Corporation is a good option if you’re planning to have lots of investors or go public. In Ohio (my state) it only costs $125 to process your business filing, and it’s a simple 2-page form for an LLC.
2. Once your state paperwork is approved, you can register with the IRS for an Employer Identification Number (EIN). You need this even if you aren’t going to have employees:
http://www.irs.gov/businesses/small/article/0,,id=97860,00.html
3. Open a business checking account. They will probably require your EIN from step 2.

That’s it. Of course, it’s helpful to consult an attorney to make sure you’ve covered all of your bases.

If you need help with your website development once you’ve registered your business, feel free to contact me! http://www.buckeyeinnovation.com
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