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Business Checking

For more than a century, Independent Bank has proudly served business owners and communities across Michigan.

 Which Account is Right for My Business?

Our commitment to each business customer is to build and maintain a long-term partnership founded on personal service and dedication to the success of your business.

We offer competitive business checking account options for businesses of all sizes. Our accounts are designed so that you can pick the services you need.

Service charge+ & minimum balance

Interest

Monthly per item fee
- Checks/paid debits
- Deposits/credits
- Deposited items

Currency/coin deposited/monthly

Business Freedom Checking

For small businesses and sole proprietors

NONE 
with an average daily** balance of $1,000+ or with eStatements 
- OR -
$2/month service charge
First 250 items FREE each month 
then $0.40 per additional item
$0 - $10K
FREE

$10,001 - $25K
$0.50/$1,000

$25,001 - $50K
$1.00/$1,000

$50,001+
$1.50/$1,000

Community Freedom Checking

For the unique needs of non-profit organizations, groups, and clubs

NONE 
with an average daily** balance of $1,000+ or with eStatements 
- OR - 
$2/month service charge
First 250 items FREE each month 
then $0.40 per additional item
$0 - $10K
FREE

$10,001 - $25K
$0.50/$1,000

$25,001 - $50K
$1.00/$1,000

$50,001+
$1.50/$1,000

BusinessFlex Checking

For businesses that would like to earn a competitive rate

NONE
with an average daily** balance of $25,000+ or with eStatements
- OR -
$12/month service charge
Competitive interest rate on daily collected balance
Checks paid/debits: $0.20 per item
Deposits/credits: $0.40 per item
Deposited items: $0.12 per item
$0 - $10K
FREE
 
$10,001 - $25K
$0.50/$1,000
 
$25,001 - $50K
$1.00/$1,000
 
$50,001+
$1.50/$1,000

EagleAdvantage Checking

For businesses with a high volume of activity

$12/month service charge but earnings credit can offset fees*

Checks paid/debits: $0.20 per item
Deposits/credits: $0.40 per item
Deposited items: $0.12 per item
$0.50 per $1,000

Business Freedom Checking

For small businesses and sole proprietors

Service charge+ & minimum balance
-
NONE 
with an average daily** balance of $1,000+ or with eStatements 
- OR -
$2/month service charge
Interest
-
Monthly per item fee
- Checks/paid debits
- Deposits/credits
- Deposited items
-
First 250 items FREE each month 
then $0.40 per additional item
Currency/coin deposited/monthly
-
$0 - $10K
FREE

$10,001 - $25K
$0.50/$1,000

$25,001 - $50K
$1.00/$1,000

$50,001+
$1.50/$1,000

Community Freedom Checking

For the unique needs of non-profit organizations, groups, and clubs

Service charge+ & minimum balance
-
NONE 
with an average daily** balance of $1,000+ or with eStatements 
- OR - 
$2/month service charge
Interest
-
Monthly per item fee
- Checks/paid debits
- Deposits/credits
- Deposited items
-
First 250 items FREE each month 
then $0.40 per additional item
Currency/coin deposited/monthly
-
$0 - $10K
FREE

$10,001 - $25K
$0.50/$1,000

$25,001 - $50K
$1.00/$1,000

$50,001+
$1.50/$1,000

BusinessFlex Checking

For businesses that would like to earn a competitive rate

Service charge+ & minimum balance
-
NONE
with an average daily** balance of $25,000+ or with eStatements
- OR -
$12/month service charge
Interest
-
Competitive interest rate on daily collected balance
Monthly per item fee
- Checks/paid debits
- Deposits/credits
- Deposited items
-
Checks paid/debits: $0.20 per item
Deposits/credits: $0.40 per item
Deposited items: $0.12 per item
Currency/coin deposited/monthly
-
$0 - $10K
FREE
 
$10,001 - $25K
$0.50/$1,000
 
$25,001 - $50K
$1.00/$1,000
 
$50,001+
$1.50/$1,000

EagleAdvantage Checking

For businesses with a high volume of activity

Service charge+ & minimum balance
-

$12/month service charge but earnings credit can offset fees*

Interest
-
Monthly per item fee
- Checks/paid debits
- Deposits/credits
- Deposited items
-
Checks paid/debits: $0.20 per item
Deposits/credits: $0.40 per item
Deposited items: $0.12 per item
Currency/coin deposited/monthly
-
$0.50 per $1,000
Learn More & Apply

 

Treasury Management

Choose the services you need

We'll customize a program to meet your needs, so you only pay for the services that make sense for your business. Visit our Treasury Management page for a full description of our products. We offer sweep accounts, lockbox services, merchant services, account analysis, and much more.

 

Note: Please refer to our schedule of service(s) and fees for complete information. Some restrictions apply.
*The earnings credit varies and is based on the investable balance in the account. It is applied to offset the account’s monthly activities fee. Earnings credit is subject to change at any time.
**The average daily balance is calculated by adding the principal in the account for each day of the cycle and dividing that by the number of days in the cycle.
+Organizations that operate to make a profit, such as corporations, partnerships, associations, business trusts, or other organizations are ineligible for the EagleAdvantage Plus checking account.
^Business online banking carries a fee if Treasury Management services managed through business online banking are added. 

Order Business Checks

Independent Bank partners with Harland Clarke to offer you the highest quality checking products. For your protection, Independent Bank must place first time orders and orders with name and/or address changes. 

For added convenience, you can also order your business checks and forms online or by phone, 800.503.2345. Representatives are available Monday-Friday from 8 am-8 pm and Saturday-Sunday from 8 am-6 pm (ET).

Order Now