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Business Checking

Pro™ Essential Checking¹, a better business checking account - only at Midland.

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Don't Settle, Expect More.

Designed for businesses with lower transaction volumes, Pro™ Essential is a straightforward checking account designed to simplify your banking and let you focus on what you do best - running your business. We’re here for you every step of the way, and it’s easy to get started. Open your account online today!

$0 per month


Minimum opening balance $100

Minimum monthly balance requirement $0

Monthly service charge $0


Plus up to 350 FREE transactions per month.


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™ Essential Business Checking

  • No monthly maintenance fee*
  • No minimum balance requirement
  • 350 transactions per month at no charge*
  • 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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¹Pro™ Essential Checking transactions include deposit tickets, deposited items, checks, ACH, wire and other transactions. A fee of $0.50 will be charged for each additional transaction over 350 per month. A $40 fee will be charged when account is closed within 180 days after opening. Special offers subject to change and without notice. Some restrictions may apply..

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