Earlier quoted context omitted.
It's always hilarious how broken the American banking system is that you need to pay over $1000/year worth of tooling to receive recurring payments from patrons. In the EU, you would just open a deposit-only checking account and paste its IBAN (International Bank Account Number) on your website, telling people to setup a recurring payment through their online banking and put their e-mail address or some other ID numb…
Are you sure the bank would accept something like this? Wouldn't they change the account to a business account, to deal with things like taxes?
You can have as many deposits as you want as an actual person. Banks do not "change your account" without your intervention and definitely not to a business account, which (legally) needs different information than a personal account would.