A trade name certificate is required in our county and we do have in our account opening procedures that a certificate is require. However, the problem is we have numerous customers that start a side business and ask to open a small business account separate from their consumer account but do not have a certificate. Example how account would be set up: Joe Smith, dba Smith's Handy Man. In the case where the customer's business is so small that they don't intend to get a certificate, how should it be handled? Is there another way to title the account, such as Joe Smith, Smith Handy Man?