What is a DBA (doing business as) and do you need one?
A clear explanation of trade names, assumed names, and DBAs — what they are, when you need one, and how to file.
Direct answer
A DBA (Doing Business As) — also called a trade name, fictitious name, or assumed name — lets you operate your business under a name other than your legal name or the name you filed with the state. Example: John Smith, sole proprietor, files a DBA to operate as 'Sunrise Plumbing.' Most states require a DBA filing to use a business name publicly.
Simple explanation
Without a DBA, a sole proprietor can only legally operate under their own full legal name. If you want to use a business name on your invoices, website, or signage, a DBA is usually required and often necessary to open a bank account under that name.
When you need a DBA and how to get one
- 1
Sole proprietors and general partnerships operating under a trade name
If you're John Smith and you want to operate as 'Smith's Auto Repair,' most states require you to file a DBA. Without it, you can't legally advertise or enter contracts under that name.
- 2
LLCs or corporations operating under a different brand name
If your registered LLC is 'Sunrise Digital LLC' but you market under 'Sunrise Studios,' you'll likely need a DBA for the secondary name. Check your state's rules.
- 3
To open a business bank account under the business name
Banks typically require a DBA certificate or state registration to open an account under a name other than your personal name.
- 4
How to file
DBA filings are usually done at the county or state level, depending on your state. Fees range from $10 to $100. Search '[your state] DBA filing' to find the official form. Some states also require a newspaper publication notice.
Summary
- •A DBA lets you operate under a name other than your legal or registered business name.
- •Required in most states to use a trade name on invoices, signage, or contracts.
- •Filed at the county or state level — fees typically $10–$100.
- •Banks often require a DBA certificate to open an account under the business name.