Main Content
two people shaking hands with abstract overlay showing connection
Business Checking

Build the financial foundation of your business with a Midland checking account.

Open An Account

Light Grey

Checking Accounts Designed to Move Your Business Forward

As a business owner, you know that managing finances is a critical part of running a successful enterprise. That's where a business checking account comes in. With the convenience of online banking and mobile deposit, you can easily manage your financial transactions anytime, anywhere. Open your account online to get started today!

Which Account is Right for Your Business?

Check out our quick guide.




Best for establishing a financial foundation with lower transaction volumes and account balances.


Best for increased financial transaction volumes and a desire to earn interest on higher account balances.


Best for high monthly activity and more complex banking requirements.

Opening Deposit $100 $100 $100
Average Minimum Balance Requirement $0


See Treasury Services Relationship Manager for balance requirement calculations.

Monthly Maintenance Fee




Ways to Offset Fees N/A

Fees are reduced by the interest credited to the account or by maintaining the average minimum balance requirement.

Fees may be reduced by applying an earnings credit rate which is set by the bank and may change at any time.

Free Transactions / Items per Month 350 200 N/A
Transaction / Item Charges Over Limit $0.50 over 350 $0.50 over 200

Per-transaction fees apply. Call us for details.

Free Basic Business Online Banking Yes Yes Yes
Free eStatements Yes Yes Yes


Get Started Today >>


Per-transaction fees apply. Call us for details.

Light Grey

Our Robust Digital Tools Make Doing Business Easier

  • Mobile Wallet: Skip the card. Get convenient and secure access to funds using your mobile device.
  • Profile Linking: You’ll see a complete picture of your business finances in one place by having all of your accounts and services linked in Business Online Banking.
  • Mobile Deposits: Quickly and easily deposit checks from anywhere, saving time and increasing efficiency.
  • Account Alerts: Stay on top of your finances with real-time updates on account activity.
  • Manage Account Access: Control who has access to your funds, helping to protect against fraud and unauthorized transactions.
business man using mobile deposit
business woman smiling while she works on her computer and talk on the phone

Switch Your Business Bank Account with Ease

At Midland States Bank, we understand that switching your business bank account can be daunting, so we've made it easy for you. Get started by opening a Midland States Bank checking account, enroll in online and mobile banking, and add money to your new account using ACH or other transfer options. If you need assistance, our team of experts will guide you through the process, providing step-by-step instructions and personalized assistance along the way.

Get Started Online >>

Light Grey

Need Help Choosing a Commercial Checking Account?

If you're having trouble deciding on the right commercial checking account for your business, Midland States Bank is here to help. Our team of experts can provide personalized assistance and guidance to help you evaluate your options and find the best fit for your business needs. Contact us today by phone at 1-855-696-4352 or visit us in branch.

Find a Location Near You >>

midland employee talking with clients

You Have Questions, We Have Answers

A business checking account is a type of bank account designed for businesses to deposit and withdraw funds, manage cash flow, and make purchases or payments.

The required documents typically include a business license or registration, proof of address, tax identification number, and ownership documentation.

Yes, we offer profile linking to allow you to link your business checking account to other accounts or services, such as savings accounts, credit cards, and financial management software.

Fees vary depending on the account type, but may include monthly maintenance fees, transaction fees, and overdraft fees. Call Customer Care at 1-855-696-4352 and ask to speak with your local Commercial Relationship Manager or request a consultation.

Yes! We have a wide variety of Merchant Services equipment options to help increase your cash flow and provide added convenience for your customers. Along with in-house setup, we have a dedicated customer service team who are ready to help when you need them.

Treasury Management services from Midland States Bank are designed to help business clients optimize their organization’s liquidity by improving the efficiency of accounts receivable and payable processes so that bills are paid on time, cash is collected, and the entire process runs as smoothly as possible.

Let's Connect.