slodave,
I own a tiny little side business that I run out of my house (it is not my main means of support), and I would strongly recommend getting a business account. I would also suggest getting a business accounting program and learn to use it. I picked up a cheapie program (Simply Accounting) a few years ago and use it for invoicing, customer info, etc. It also runs reports for me at the end of the year, which makes taxes much easier.
Keeping your records separate makes life much easier, and the paper trail will undoubtedly help if you decide to expand and need a SBA loan.
Jim
One more thing: If you have an SBA in your area, sign up with them. They offer free advice, and also offer inexpensive classes in areas such as accounting, etc.
http://www.sba.gov/