UniBul, applicants are asked for a checking account. Credit card processing companies need a bank account so that they can deposit the funds into it. It does not make a difference whether it is a business or a personal checking account, the money will go in either way.
So from a credit card processing perspective, there is no need to open a business account. You still might want to consider doing so, however, in order to separate your personal from your business finances. A separate account will allow you to easily keep track on your merchant services credit card processing activity and, come tax return time, to quickly find the information that you need. Moreover, using a check with the name of your business on it will give you a more professional look.
Although opening a business bank account is optional, there are compelling reasons to do it. Unless it is more a hobby than a business, your company will benefit from it.