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Tell a friend about Midland States Bank, and you’ll BOTH get $50 when they open a checking account and keep it open for 90 days.

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Compare Spending Options

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.

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Flexible Financial Solutions for Limitless Growth

Totally Free Business Checking

  • No minimum balance
  • No monthly service charge
  • 500 free monthly transaction items
  • Up to $10,000 currency deposited per month free
Learn More

Business Interest Checking

  • Earn competitive interest
  • No monthly fee when maintaining $5,000 balance
  • 500 free monthly transaction items
  • Up to $10,000 currency deposited per month free
Learn More

Mastercard Business Debit Cards

  • Enhanced ID theft protection
  • Mobile receipt management
  • Additional discounts & benefits
Learn More

Visa Business Credit Cards

  • Manage cash flow with ease
  • Support everyday purchases and big investments
  • Get rewards, security, and spending power
Learn More

Access Robust Digital Tools with Any Business Checking Account

  • Mobile Wallet
    Get convenient and secure access to funds using your mobile device.
  • Profile Linking
    View a complete picture of your business finances in one place.
  • Mobile Deposits
    Deposit checks from anywhere, saving time and a trip to the bank.
  • Account Alerts
    Access real-time updates on account activity.
  • Manage Account Access
    Control who has access to your funds.
Power bank for smartphone

Don’t Miss Out: Get a Free Power Bank + $10 Buy Back

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

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    Account Security

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    FDIC Insured Accounts

    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.

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    Process Credit Cards

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    Merchant Services

    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.

    Learn More

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    Grow Credit

    Visa Business Credit Cards

    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.

    Learn More

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    Plan for Growth

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    Business Financial Planning Services

    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.

    Learn More

    Compare Business Checking Options

    FeatureTotally Free Business CheckingBusiness Interest Checking
    Minimum Opening Balance$50$50
    Monthly Service Charge$0$0 or $10
    Account QualificationNoneMaintain a daily balance of $5,000 or more
    Free Transactions Per Month500500
    No Additional Cost Per ItemNo per item chargeNo per item charge
    Free Coin/Currency Deposits Monthly$10,000$10,000
    Base Interest RateNoneCompetitive
    Account Statement OptionsFree Paper or eStatementFree 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✔✔

    Totally Free Business Checking

    Minimum Opening Balance$50
    Monthly Service Charge$0
    Base Interest RateNone
    Premium Interest RateN/A
    Free Standard ChecksN/A
    Free Transactions Per Month500
    Free Coin/Currency Deposits Monthly$10,000
    Account Statement OptionsFree Paper or eStatement
    Key Features & Benefits
    • No monthly fees
    • 500 free transactions per month
    • Up to $10 buy back for checks & debit cards
    • Free business debit card
    • Free online & mobile banking
    • Mobile check deposit
    • Online bill pay
    • Digital wallet compatibility
    • Overdraft services available
    • Open in Minutes

    Business Interest Checking

    Minimum Opening Balance$50
    Monthly Service Charge$0 or $10
    Base Interest RateCompetitive
    Premium Interest RateN/A
    Free Standard ChecksN/A
    Free Transactions Per Month500
    Free Coin/Currency Deposits Monthly$10,000
    Account Statement OptionsFree Paper or eStatement
    Key Features & Benefits
    • Earn competitive interest on your balance
    • 500 free transactions per month
    • No monthly fee if you maintain a $5,000 daily balance
    • Up to $10 buy back for checks & debit cards
    • Free business debit card
    • Free online & mobile banking
    • Mobile check deposit
    • Online bill pay
    • Digital wallet compatibility
    • Overdraft services available
    • Open in Minutes
    woman talking to clients

    Solutions for Growing Businesses

    Learn more about commercial services designed for businesses with more complex banking needs.

    • Explore Commercial Services

    Our Customers Say It Best

    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
    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
    Your responses are quick and polite. You make banking understandable and easy.
    David, Customer for 9 Years

    Payments Insider 3rd Quarter 2023

    Updated 09/01/2023
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    • Payments Insider 3rd Quarter 2023

    Prefer Personal Assistance?

    Our team of dedicated professionals are here to support you.

    • Call 1-855-696-4352
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    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

    Copyright © 2024 Midland States Bancorp, Inc. All rights reserved. Midland States Bank® is a registered trademark of Midland States Bancorp, Inc. Member FDIC. To learn more, visit www.nmlsconsumeraccess.org. Credit subject to Bank terms, credit availability, and limitations. 

    Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

    Midland and Midland Wealth Management are marketing names Midland States Bancorp (MSBI) uses for products and services offered by its affiliates. Midland States Bank (MSB) provides deposit and loan products and services; MSB and Midland Trust Company (MTC) provide investment management, fiduciary, administrative and planning services; Midland Wealth Advisors, LLC® (MWA), a registered investment adviser, provides investment management services to clients and MSBI affiliates. MSB, MTC, and MWA are direct or indirect, wholly-owned subsidiaries of MSBI. MSBI and its affiliates do not provide tax, legal or accounting advice. Investment and Insurance Products: NOT FDIC Insured, Not A Deposit, May Lose Value. View additional Midland Wealth Management disclosures. Form CRS and Form ADV2A.

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    Refer. Earn. Repeat.

    Tell a friend about Midland States Bank, and you’ll BOTH get $50 when they open a checking account and keep it open for 90 days.

    Refer Today!