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Business Checking

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

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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.

per month
Minimum opening balance $100
Monthly service charge $20


(Fees offset by earnings credit)
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  • Electronic Item: $0.15 each per ACH item
  • Electronic Item: $0.21 each paid item (debit or check)


  • Electronic Item: $0.15 each per ACH item
  • Credits Posted: $0.10 per On Us Item / $0.12 Not On Us Item
  • $0.50 each deposit ticket
  • $0.10 each deposited item (in addition to credit or electronic credits posted)
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  • Obtain a detailed overview of account balances and activity with monthly analysis statements
  • Join multiple accounts together and leverage combined balances to offset the cost of services
  • Monitor activity and determine the needed balance for day-to-day activities and expenses (including service fees)
  • Get insight with information that helps you quickly understand available funds
  • Strengthen your ability to control and manage cash

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 .0775. 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.