It's seems complicated because you are approaching the bank as if you are a business, which you are not--

You don't need money or bank accounts for people to get together and sing informally. All you need is people and a place, and, generally, if you've got a group of people, between them, they'll be plenty of ideas about places.

If you really need a checking account, you can set up one in your own name, and print whatever name you want to use on the checks. It isn't really likely you'll even need to do this, though, since you don't really have to deal with much money--it is folk music, after all;-)
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