Business Interest Checking

Opening a high-yield business checking account is simple. To apply online or in person, you'll need to provide:

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

You can start your application online or visit a Midland location to open your business interest bank account in person.

We accept applications from eligible U.S. businesses looking for a high-interest business checking account that provides both earning potential and flexibility. Not all applicants will be approved, and certain business types may be ineligible.

Eligible Business Types

• Sole Proprietors – Individuals operating 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 for a business interest bank account, 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

We do not accept applications from businesses engaged in the following industries:

• 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. If you have questions about eligibility, contact us for more details.

Enjoy free business online banking with your Business Interest Checking account, giving you secure, anytime access to your funds while you earn interest.

Key Online Banking Features:

• Real-Time Balance Reporting – Instantly view ledger, available, and collected balances.
• Transaction Tracking – Monitor cleared checks, deposits, and interest payments.
• Easy Data Export – Download transaction data in multiple file formats.
• Internal Transfers – Move funds seamlessly between your business accounts.
• Stop Payments – Place stop payment orders in seconds.
• Multi-Level Security – Assign staff different access levels, from inquiry-only to full admin rights.
• Online Statements – Access up to 12 months of statements anytime.
• QuickBooks & Accounting Software Integration – Sync seamlessly for easy bookkeeping.

Business Mobile Banking gives you 24/7 access to your high-interest business checking account so you can manage your money anytime, anywhere.

Mobile Banking Features:

• View account balances in real time
• Check transaction history to track expenses and interest earned
• Transfer funds between Midland business accounts
• Approve ACH and wire transfers on the go
• Locate Midland branches and ATMs easily

With secure mobile banking, you stay in control and manage your business finances from anywhere.

Business Bill Pay helps you streamline expenses with fast, secure online payments.

Key Features:

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

Easily manage bills and maximize the benefits of your business interest bank account with a simple, secure payment solution.