Big ol' noob question here. So I've started my VA business. I'll be accepting cheack, naturally, but what other methods of payment are viable? I've been reading some Paypal horror stories - have they improved any lately, or are people still getting locked out left & right?
What are Paypal alternatives? I'm thinking I'll have mostly local customers who will want to pay by check, but there may be some that prefer online payment. Any suggestions?
And really dumb question here - I have not yet set up a business bank account.

I'm supposing I need a business savings & checking account, and also a business credit card?
I tend to do things a bit backwards - just looking to get straightened out and caught up!
Thanks!