Make Your Operating Account Work Harder
A business checking account that earns interest while you run your business.
Stop Letting Your Cash Flow Sit Idle
Your business checking account shouldn’t just hold your money. It should help grow it.
With Business Interest Checking from Bank Midwest, you can earn interest on your balance while keeping full access to your funds for day-to-day operations.
It’s a smarter way to manage cash flow, backed by a local team that understands your business.
Interest Rates
Built to reward disciplined, growth-minded businesses.
| Account Balance | Rate | APY* |
|---|---|---|
| $0–$24,999.99 | 0.35% | 0.35% |
| $25,000–$99,999.99 | 0.55% | 0.35-0.50% |
| $100,000–$249,999.99 | 0.65% | 0.50-0.59% |
| $250,000–$499,999.99 | 1.10% | 0.59-0.85% |
| $500,000+ | 1.30% | 0.85-1.28% |
*Annual Percentage Yields (APYs) effective as of September 29, 2026, and subject to change without notice. $100 minimum to open and earn Annual Percentage Yield (APY). Fees may reduce earnings.
Business Interest Checking Account Highlights
Everyday Access
Pay vendors, run payroll, and manage expenses without restrictions
Simple Structure
Clear terms, no unnecessary complications
Digital Tools
Online banking, mobile banking, and mobile deposit for on-the-go control
Why Choose Business Interest Checking?
Most business checking accounts are built for transactions, not performance. This one does both.
With Business Interest Checking, you can:
- Earn interest on your operating balance
- Maintain full access to your funds for daily expenses
- Simplify cash management with a straightforward account structure
- Avoid unnecessary complexity, hidden fees, or surprises
- Bank with a local partner invested in your long-term success
Frequently Asked Questions: Business Interest Checking
How is this different from a standard business checking account?
Most business checking accounts do not earn interest, or if they do, the interest is less than 0.1% APY. This account allows your operating balance to maximize your interest while still functioning as your primary transaction account.
Can I still use this account for everyday business expenses?
Yes. You can pay bills, run payroll, make purchases, and manage cash flow just like a traditional checking account.
Is there a limit to how often I can access my funds?
No. This account is designed for daily business use, giving you full access to your money when you need it.
Is my money protected?
Yes. Deposits are FDIC-insured up to applicable limits, giving you confidence and security.
Ask Us About Additional Business Services
Online Deposit
Convenient check scanning from your computer
Positive Pay
Monitor and flag transactions with real-time alerts
Merchant Card Services
Accept card payments
Equal Housing Lender