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Business Checking

Your account needs are growing. Pro Connect handles whatever you throw at it.

Open An Account

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A true workhorse. From processing hundreds—or thousands—of checks, to paying bills and receiving payments, Pro™ Connect analysis checking is best for growing businesses with high monthly activity. Add robust Treasury Management services and easy tools to help simplify your day-to-day life.

$22 per month


Minimum opening balance $100

Monthly service charge $20



This account comes with monthly statements.

Choose which type of statement you prefer to receive:

  • Electronic Statements (eStatement) $0
  • Mailed Paper Statements $3
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Benefits of Pro™ Connect Business Checking

  • Eligible to receive earnings credit to offset fees*
  • Free Basic Business Online Banking 
  • Free e-statements
  • Add Treasury Management services to efficiently manage cash flow and track financial information. Contact Midland States Bank to learn more.

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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.
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More Services to Optimize Your Cash Flow

Merchant Services

With point-of-sale terminals, PIN pads, mobile processing, e-commerce services, gift cards, loyalty programs and more – you’ll find a wide variety of reliable and secure payment processing solutions to give your customers an easy and convenient payment experience. We provide in-house setup and a dedicated customer service team who are ready to help when you need them.


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Treasury Management Services

Our nationwide Treasury Management services will help you keep your business finances on track by increasing your company’s visibility and control over cash flow, improving investment yields, and assisting in reducing fraud. Whether it’s accelerating receivables, optimizing payments, or protecting and investing your money with cash management services, we offer a complete suite of digital banking solutions tailored for your organization.


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A History of Helping Clients Reach Their Goals

Midland States Bank is a partner you can count on. Ever since we opened our first branch in Effingham, Illinois, we're dedicated to providing everyone from consumers to corporate clients with world-class banking services.

Today we have multiple branches and a full range of diverse financial services to support you and your business. Achieving your financial goals has never been easier.

You Have Questions, We Have Answers

Check out our quick guide which can help you determine which account fits the needs of your business. Still have questions? Call Customer Care at 1-855-696-4352 and ask to speak with your local Commercial Relationship Manager or request a consultation.

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.

Midland States Bank provides Treasury Management solutions to match your unique needs of running a business. Whether it’s accelerating receivables, optimizing payments, or protecting and investing your money with cash management services, we offer a complete line of digital banking products and services. As part of our personalized approach, our dedicated Treasury Management professionals evaluate each business and customize a program best suited to your needs.

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*Minimum opening deposit is $100. Earnings Allowance (also known as earnings credit) – an earnings allowance is used to offset eligible fees. Your earnings credit is calculated by applying the earnings credit rate to the investable balance available for services in your account. The earnings credit rate appears on the client analysis statement for your account. The earnings credit rate is determined by the Bank and is subject to change at the Bank’s discretion. You pay a service charge when your fees exceed your earnings allowance in a given month. Uncollected funds: Uncollected funds are funds the Bank treats as having not yet been collected, on the basis of the Bank’s current collection schedule. Fees for the use of uncollected funds – The fee for using uncollected funds is based on a monthly average. On any day you did not use uncollected funds we assign a zero value. Midland’s base rate (Wall Street Journal Prime Rate) plus 4% is applied to your average daily negative collected balance for the monthly statement cycle. The average daily negative collected balance is the sum of the negative collected balance at the close of business on each day of the statement cycle divided by the number of days in the cycle. Recoupment – The Recoupment fee is .1085. Explanation of Recoupment fee: The FDIC charges each insured bank a fee to cover its share of the cost of providing deposit insurance to depositors. The FDIC does not charge a bank’s depositors for deposit insurance or require banks to pass the cost of deposit insurance on to their depositors. The FDIC does, however, permit a bank to recoup the cost of deposit insurance from its depositors, so long as the fee the bank charges its depositors does not reveal information that could be used to determine the bank confidential supervisory ratings or mislead depositors by implying the FDIC is charging the fee. The Bank assesses this Recoupment fee to partially recover insurance premiums it pays to the FDIC for deposit insurance. The amount of the Recoupment fee appears on the periodic statement or client analysis statement for your account and is based on the monthly average ledger balance maintained in your account. The Recoupment fee is subject to change by the Bank at any time without notice. A $40 fee will be charged when account is closed within 180 days after opening..

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