The differences between a Personal account and Business account are the following:
Personal
- Limit per transaction: $5,000
- You can enable Dwolla Proxy
Business
- Limit per transaction: $10,000
- You can enable Dwolla Spots (where your business is located - locally only)
- A valid EIN is required to upgrade
If you wish to upgrade to a business account, you can do so at anytime by clicking Upgrade to Business Account right next to where your Account Type is listed when logged into Dwolla.