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If you are sole owner of the LLC and you do not make any special election to be taxed as a corporation, then the LLC is treated as a disregarded entity and all the LLC’s activity would be reported directly on your personal tax return (Schedule C mostly). You are not required to get an EIN unless the LLC actually hires employees, as you are allowed to use your Social Security number as the businesses identifying number. You can get an EIN number if you want and there would be no real added complexity, as the EIN number would simply be added on the Schedule C. You might want an EIN number so you do not have to give out your Social Security number whenever a business asks you to complete a W-9 (needed to issue your business a 1099).
I hope this answers your question. Please let me know if I can clarify anything or answer any additional questions, and I would greatly appreciate positive feedback. Thanks, Jonathan
Yes it is up to you. EINs are not too secretive as you can find many company's EIN numbers through publicly available information.
If you want the checking account in the LLC's name then you would need to give the bank an EIN number (the bank would know the difference).