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Business Checking

As your business grows, your checking account options should too.

Open An Account

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Business Checking That Pays

Pro™ Interest lets your business earn interest on your account balances while providing a generous number of free transactions per month for your growing business. We’re here for you every step of the way, and it’s easy to get started. Open your account online today!

$15 per month


Minimum opening balance $100

Minimum daily balance requirement* $2,500

Monthly service charge $15


Plus up to 200 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™ Interest Business Checking

  • Earn interest on your account balance
  • 200 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.


Learn More >>


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 daily balance requirement to avoid fee. Minimum opening deposit is $100. A monthly service fee of $15 will be charged unless you maintain a minimum daily balance of $2,500. The first 200 transactions per month will not be charged a fee. Transactions include deposit tickets, deposited items, checks, ACH, wires and other transactions. A fee of $0.50 will be charged for each additional transaction over 200 per month. A $40 fee will be charged when account is closed within 180 days after opening. Minimum daily balance to earn interest is $1. Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Your interest rate may change at any time at our discretion. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. Compounding and Crediting – Interest will be compounded every month. Interest will be added back to the principal every month. Effect of Closing – If you close your account before interest is credited, you will receive the accrued interest. Balance Computation Method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Collection of service charge if funds are not available in your account at the time your service charge is assessed, the monthly service charge will overdraw your account. Overdrafts will result in additional fees..

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