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.
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.
Make the simple switch today. Enjoy the rewards tomorrow.
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: Promotional period ends May 23, 2025. Gift card provided electronically within 2 business days after account opening. Gift 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. The minimum opening balance required to open a checking account is $50.
*Up to $10 for debit cards and unused checks from another financial institution given at the time of new account opening
Our team of dedicated professionals are here to support you.
