Smart Spending Starts with the Right Business Account
Power your business with a Midland business checking account, plus tools to simplify and secure everyday cash flow.
Open a qualifying checking account and receive a Pom Gear Portable Battery to keep your devices charged on the go. Still using checks or a debit card from another bank? Bring them in and we’ll give you $10 for switching.¹
Your business checking account is FDIC-insured up to the maximum coverage allowed.
As your business scales, we offer expanded insurance options for eligible accounts to help safeguard your funds.
Merchant services help small businesses accept credit and debit card payments securely and efficiently, whether in-store, online, or on the go.
With streamlined payment processing, businesses can improve cash flow, enhance customer convenience, and access tools to manage transactions with ease.
Our merchant services integrate seamlessly with your business checking account, providing fast deposits and simplified financial management.
Take your business spending further with a business credit card designed to offer flexibility and control.
Easily manage cash flow, track expenses, and keep business and personal finances separate—all while enjoying valuable benefits.
Whether you need to cover everyday purchases or plan for larger expenses, a business credit card can help you stay prepared.
A strong financial plan may support both your business and personal financial future. Our team provides experienced guidance to help align your business strategies with your financial goals.
Explore how financial planning may benefit your business.
| Feature | Totally Free Business Checking | Business Interest Checking |
|---|---|---|
| Minimum Opening Balance | $50 | $50 |
| Monthly Service Charge | $0 | $0 or $10 |
| Account Qualification | None | Maintain a daily balance of $5,000 or more |
| Free Transactions Per Month | 500 | 500 |
| No Additional Cost Per Item | No per item charge | No per item charge |
| Free Coin/Currency Deposits Monthly | $10,000 | $10,000 |
| Base Interest Rate | None | Competitive |
| Account Statement Options | Free Paper or eStatement | Free Paper or eStatement |
| Online Account Opening | ✔ | ✔ |
| Buy Back Checks* | ✔ | ✔ |
| Buy Back Debit Cards* | ✔ | ✔ |
| Business Debit Card | ✔ | ✔ |
| Digital Wallet | ✔ | ✔ |
| Business Online Banking | ✔ | ✔ |
| Online Bill Pay | ✔ | ✔ |
| Mobile Banking App | ✔ | ✔ |
| Mobile Deposits | ✔ | ✔ |
| Digital Money Management | ✔ | ✔ |
| Overdraft Services Available | ✔ | ✔ |
| Minimum Opening Balance | $50 |
|---|---|
| Monthly Service Charge | $0 |
| Base Interest Rate | None |
| Premium Interest Rate | N/A |
| Free Standard Checks | N/A |
| Free Transactions Per Month | 500 |
| Free Coin/Currency Deposits Monthly | $10,000 |
| Account Statement Options | Free Paper or eStatement |
| Key Features & Benefits |
|
| Minimum Opening Balance | $50 |
|---|---|
| Monthly Service Charge | $0 or $10 |
| Base Interest Rate | Competitive |
| Premium Interest Rate | N/A |
| Free Standard Checks | N/A |
| Free Transactions Per Month | 500 |
| Free Coin/Currency Deposits Monthly | $10,000 |
| Account Statement Options | Free Paper or eStatement |
| Key Features & Benefits |
|
Solutions for Growing Businesses
Learn more about commercial services designed for businesses with more complex banking needs.
They always are friendly and helpful. I like the online banking and how easy it is to transfer money from savings to checking.Theresa, Customer for 20 Years
Your responses are quick and polite. You make banking understandable and easy.David, Customer for 9 Years
I have banked with you since 1970, and have always been pleased with you. Anytime I have had a question, you have helped me. Thanks.Shirley, Customer for 30+ Years
Do I Need a Business Bank Account for an LLC?
Wondering if your LLC needs a separate bank account? Learn why it matters and how it helps you stay protected and organized.
Looking For Answers? Here's How a Business Bank Account Works
Learn how a business bank account works and how it helps your business stay organized, professional, and ready for growth. Start banking smarter today.
Our team of dedicated professionals are here to support you.
Minimum opening deposit is $50. Money Services business and public entity excluded. Ask banker for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for complete details. Transaction items include all debits and credits. If the Totally Free Business or Business Interest account exceeds 500 free monthly transactions or $10,000 in monthly coin and currency deposits, the account may be converted to another checking product. Any offered gifts, sweepstakes winnings, or rewards may be reported on a 1099-INT or 1099-MISC. $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented.
¹ For Promotional Offer: Portable Battery or gift of similar value may be reported on a 1099-INT; if unavailable, gift will be substituted. Branch accounts receive the gift at opening; accounts opened online will have the gift mailed to the address on file. $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented.
Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for details. Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Any offered gifts, sweepstakes winnings, or rewards may be reported on a 1099-INT or 1099-MISC. $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented.
*Up to $10 for debit cards and unused checks from another financial institution given at the time of new account opening
