and credit of the U.S. Government
Business Checking
Convenient, Efficient Business Checking Solutions
With convenient features, powerful digital banking tools, and attentive personal service from our experienced local team, First Midwest Bank has a business checking account that fits where your business is now and where it’s headed. We support businesses of all sizes with checking accounts designed for growth.
Not sure which account is right for your business? Compare fees, transaction allowances, and features side by side.
Totally Free Business Checking
Free Account With Just the Basics
Best for businesses that want simple, easy-to-use checking with helpful tools. Manage your everyday business finances easily with this straightforward option, providing all the cash and check transaction items a small business would need.
Best for businesses that want simple, easy-to-use checking with helpful tools. Manage your everyday business finances easily with this straightforward option, providing all the cash and check transaction items a small business would need.
| Minimum Opening Balance | $50 |
|---|---|
| FREE Debit Card |  |
| FREE Online Banking & Bill Pay | |
| FREE eStatements | |
| FREE Mobile Banking App | |
| FREE Monthly Transactions* | Unlimited |
| Transaction Item Fee* | N/A |
| FREE Returned Check Images | |
| Earns Interest** | No |
| Monthly Service Charge | $0 |
Commercial Interest Checking
Checking With Interest
Best for businesses who keep a qualifying balance and want their checking account to work harder for them. Enjoy all the convenience, security and flexibility of our free checking account while earning a competitive interest rate** on your balance.
Best for businesses who keep a qualifying balance and want their checking account to work harder for them. Enjoy all the convenience, security and flexibility of our free checking account while earning a competitive interest rate** on your balance.
| Minimum Opening Balance | $50 |
|---|---|
| FREE Debit Card | |
| FREE Online Banking & Bill Pay | |
| FREE eStatements | |
| FREE Mobile Banking App | |
| FREE Monthly Transactions* | 500 |
| Transaction Item Fee* | $0.15 per item over 500 |
| FREE Returned Check Images | N/A |
| Earns Interest** | |
| Monthly Service Charge | $8 for balances under $1,000 |
Commercial Checking
Checking With You in Control
Best for growing businesses that want more control, with an analyzed checking account and an earnings credit allowance that can help offset activity fees.
Best for growing businesses that want more control, with an analyzed checking account and an earnings credit allowance that can help offset activity fees.
| Minimum Opening Balance | $50 |
|---|---|
| FREE Debit Card | |
| FREE Online Banking & Bill Pay | |
| FREE eStatements | |
| FREE Mobile Banking App | |
| FREE Monthly Transactions* | 0 |
| Transaction Item Fee* | $0.15 per item |
| FREE Returned Check Images | |
| Earns Interest** | No |
| Monthly Service Charge | $15 (earnings credit allowance on deposit balances may offset activity fees) |
Not sure which account is right for your business? Compare fees, transaction allowances, and features side by side.
Totally Free Business CheckingFree Account With Just the Basics | Commercial Interest CheckingChecking With Interest | Commercial CheckingChecking With You in Control | |
|---|---|---|---|
| Minimum Opening Balance | $50 | $50 | $50 |
| FREE Debit Card | | | |
| FREE Online Banking & Bill Pay | | | |
| FREE eStatements | | | |
| FREE Mobile Banking App | | | |
| FREE Monthly Transactions* | Unlimited | 500 | 0 |
| Transaction Item Fee* | N/A | $0.15 per item over 500 | $0.15 per item |
| FREE Returned Check Images | | N/A | |
| Earns Interest** | No | | No |
| Monthly Service Charge | $0 | $8 for balances under $1,000 | $15 (earnings credit allowance on deposit balances may offset activity fees) |
How to Choose the Right Business Checking Account
The right account depends on how your business moves money each month. Start with three questions:
- How many transactions do you have? Count the checks you write and deposit plus your ACH payments and deposits. If that number changes a lot month to month, Totally Free Business Checking gives you unlimited items with no per-item fees.
- How much do you keep in checking? If you usually keep $1,000 or more, Commercial Interest Checking lets that balance earn interest and avoids the monthly service charge.
- Do you need more from your account? Established businesses with higher balances may benefit from Commercial Checking, where an earnings credit on deposits can help offset activity fees.
Not sure where you fit? Our business banking team can look at your activity and help you choose with confidence.
Mobile Banking
Manage your money at home, at work, or on the go with our convenient, timesaving digital banking tools. Our mobile app offers the same great features you’ll find in online banking, and you can also:
- Securely scan and deposit checks using your smartphone
- Transfer funds between your First Midwest Bank accounts and other banks
- Quickly find a surcharge-free ATM near you
Reorder Checks
Need to order new checks for your First Midwest Bank account? Visit Deluxe, our secure third-party provider, to choose your design and easily order personalized checks in minutes.
Order Checks
Lost or Stolen Card
Please contact us immediately if your debit card has been lost or stolen. A customer service representative will assist you in deactivating your card and ordering a replacement card for your account. If you suspect your card has been used fraudulently, please contact your local branch as soon as possible.
To report a lost or stolen card, call 573-785-8461. After hours or on weekends, call 888-263-3370.
Mobile Banking
Manage your money at home, at work or on the go with our convenient, time-saving digital banking tools. Our mobile app offers the same great features you’ll find in online banking, and you can also:
- Securely scan and deposit checks using your smartphone
- Transfer funds between your First Midwest Bank accounts and other banks
- Quickly find a surcharge-free ATM near you
Reorder Checks
Need to order new checks for your First Midwest Bank account? Visit Deluxe, our secure third-party provider, to choose your design and easily order personalized checks in minutes.
Order ChecksLost or Stolen Card
Please contact us immediately if your debit card has been lost or stolen. A customer service representative will assist you in deactivating your card and ordering a replacement card for your account. If you suspect your card has been used fraudulently, please contact your local branch as soon as possible.
To report a lost or stolen card, call 573-785-8461. After hours or on weekends, call 888-263-3370.
Frequently Asked Questions
I started banking at First Midwest for the rates, which beat all the competition, but the customer service has proven to be even more valuable to me. They are top notch all the way. I highly recommend this bank.
- Fred
Move Your Business Forward
Please visit one of our convenient locations to open your Business Checking account. Have questions?Reach out to our friendly team members for assistance.
Explore the Possibilities
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