Can I use a Personal AC for Business?

I am an IT contractor and was wondering if I can use a personal account for business?

I am incorporated.

I get paid via wire transfers twice a month (BMO charges $14 for each wire transfer in)

I only need to write myself a cheque once a month and remit payroll and GST to CRA.

I opened up a BMO Business account, but the charges are crazy. They want fees for everything - deposits, withdrawals, cheques ($125 for 200)..

My question is can I open an account with PCF under my name and just use that?

What are my options?