Totally Free Business Checking

• Official Business Name
• U.S. Address for the Physical Location of the Business
• Business Tax Identification Number or Employer Identification Number
• Personal and Contact Information for the Account Opener

You can apply online or visit a location to open a free business bank account in-person.

We are currently accepting applications from eligible U.S. businesses looking for a secure and convenient way to manage their finances. Not all applicants will be approved, and some business types may be ineligible.

Eligible Business Types

• Sole Proprietors – Individuals operating a business under their name or a Doing Business As (DBA).
• Partnerships – General partnerships, limited partnerships (LPs), and limited liability partnerships (LLPs).
• Limited Liability Companies (LLCs) – Single-member and multi-member LLCs.
• Corporations – Both S-Corps and C-Corps.
• Nonprofit Organizations – Charities, religious organizations, and community groups.

Application Requirements:

To apply, businesses must provide:

• A valid Employer Identification Number (EIN) (Sole proprietors may use a Social Security Number).
• Business formation documents, such as Articles of Organization, Articles of Incorporation, or a Partnership Agreement.
• An Operating Agreement (for LLCs and partnerships, if applicable).
• Government-issued identification for all authorized signers.

Industries That Are Not Eligible:

At this time, we are not accepting applications from businesses engaged in the following industries or activities:

• Money Services Businesses (MSBs)
• Cryptocurrency-related businesses
• Internet gambling businesses
• Marijuana-related businesses

Eligibility is subject to review and approval. Additional documentation may be required during the application process. If you have questions about whether your business qualifies, please contact us for more information.

Get the flexibility and control you need with our Totally Free Business Checking Account, which includes free business online banking for secure, anytime access to your finances.

Key Online Banking Features:

• Real-Time Balance Reporting – View ledger, available, and collected balances instantly.
• Transaction Tracking – Monitor cleared checks, deposits, and interest payments in detail.
• Easy Data Export – Download transaction data in multiple file formats.
• Internal Transfers – Move funds between your business accounts with ease.
• Stop Payments – Place stop payment orders online in seconds.
• Multi-Level Security – Assign staff different access levels, from inquiry-only to full admin control.
• Online Statements – Access up to 12 months of statements anytime.

• QuickBooks & Accounting Software Integration – Simplify bookkeeping with seamless syncing

Stay connected to your business finances—anytime, anywhere.

• View account balances 
• View transaction history 
• Transfer funds between Midland accounts
• Approve ACH and wire transfers
• Find Midland locations and ATMs

•  Bill Payment Alerts – Get notified about upcoming bills and payments.
• Payment Tracking – View upcoming, in-process, and past payments in one place.
• Flexible Payment Options – Pay bills in full, partially, or set up recurring payments.
• Multiple Funding Accounts – Fund payments from different Midland business accounts.