If you are starting a new business, then you simply name your business as a private family business. Do not contract at all with the State of State. When you do, they become a third party contractor in your business.
Do a Certificate of Assumed Name and put the business name in that document, record it on the Land Recording Office.
You will need a Common Law Agreement for work that you are doing with your private customer. They are very simple. I will perform this work (description) for $XX per hour or per piece. My hours will be, my completion will be…. or however best describes what is to be done. Outline roles and responsibilities. Either party has the right to end the agreement if there is not honor.
Banking is problematic because they just don’t have what we need.
But you can open an account in a credit union (stay away from Central Banks) as a non-interest bearing account.
Autograph your application with your by: First Middle Last ©, All Rights Reserved, Without Prejudice
You can add ” Redeem all money as lawful money per 12 USC 411″ on the application.
You will also need to send a letter to the Credit Union Bank President asking to do the same.
You can ask them to put this in your client file: https://www.law.cornell.edu/uscode/text/12/411.
It they have signature cards, be sure to use your by: First Middle Last ©, All Rights Reserved, Without Prejudice