When it all goes wrong, it can be harder proving you are not a club, than it is to actually set up a club now.
You can open a joint personal account for no more than 2 people, who each then have unlimited access to all the funds and full control of it.
Most banks offer a free Community Bank Account, but you must be a legal entity with a constitution etc.
If anyone wants a copy of our club documents PM me. Constitution, GDPR compliant membership form, H&S Assessments, written H&S, equality and safeguarding, and financial management policies etc.
The problem with not having such things is that when something goes wrong you can't just claim to be compliant, you must produce evidence on how you achieved it.
We were lucky in that one of our members had those responsibilities in a large organisation and set it all up for us.