We recently held our first homebrew competition, and during registration we received checks made out to our club name (State of Franklin Homebrewers). Today when we tried to deposit them into our 'club account', which is actually someones secondary personal account with me as a secondary, the credit union would not allow us to deposit those checks. Something about looking like checks made out to a business.
They recommended we open a 'Doing Business As' account, which is still a personal account, but marked as DBA <clubname> and is subject to the same reporting as all accounts. This seems to imply that an 'individual' is doing business under that name, and may lead to questions by the IRS.
So how do other clubs do this? I've looked around on the site, and have seen a couple of articles about club financials, but it would seem to me that there would be a fairly standard process that the AHA could document and recommend for clubs. Would that be incorporation, registration as a non-profit, or something else? Some of those processes seem like an awful lot to go thru just to be able to deposit checks made out to <clubname>.
Does anyone have any profound revelations that they'd like to share? How do you all handle this problem?