Legally, the account owner is bound by the agreement that was signed when the account was opened. Most standard agreements indicate the primary account holder is responsible for deposits and will maintain the account in a positive status.
We know that looking for a business account can be very difficult once you are reported to chexsystems. We have found several banks and credit unions that will open accounts for those reported. Many of the local banks that we have found also offer business checking. Please join our forum for that information and help