I filed for a Delaware LLC through Intuit's MyCorporation.com. It ran me a one time fee of ~$300 and a fair amount of time. One easy savings on a business filing is to get your own Federal EIN. It's online and takes 15 minutes, definitely not worth paying someone else to do. It costs $250 a year to run an LLC in Delaware. I think I may pay a yearly fee for having a "Registered Agent" (i.e. an address in Delaware) but I don't recall how much it is.

When I went to open a business checking account, I checked out banks with brick-n-mortar branches near me, compared the accounts online, and stopped by. The person who helped me said that the only out-of-state corp they deal with is a Delaware corp. She was less familiar with the "system" for setting it up, but it didn't set me back more than 10 minutes. To set up the bank account, I needed a real local address.