Almost all banks offer business accounts. The last thing you need is a Merchant Account. You'll need everything you obtained in the five steps above for this one. This is the thing that allows you to accept credit cards from your online customers. Without this, you'll get nowhere.
Online buyers are instant gratification junkies.
If they have to mail you a check, they'll go somewhere else and buy. Merchant accounts used to cost a thousand dollars and more to set up. The Merchant Account will collect funds from your customers' credit cards, and deposit those funds in your business account. Your Merchant Banker will help you to incorporate your Merchant Account into your Internet store software. Well, there it is.