I haven't needed to set up a separate escrow account for my freelance projects because I structure payments to protect both myself and the client. For new clients I ask for a percentage of the fee up front and collect the balance before releasing final files. This approach provides a clear paper trail and ensures everyone has skin in the game. If you're concerned about being scammed, you can also use milestone payments through a trusted third party payment service that holds funds until both sides sign off. The best protection is clear communication, a written contract and trusting your instincts. If someone refuses to pay a deposit or seems evasive, it's usually not worth taking the risk.