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Small Business

Build your small business's financial flexibility with a versatile checking account.

Let’s Get Started

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Opening a Small Business Checking Account

Midland States Bank offers checking accounts for small businesses in Missouri, Illinois and beyond. Our Pro™ Essential checking account unlocks 350 free transactions each month with a low minimum opening balance.

$0 Per Month


Minimum opening balance $100

Minimum monthly balance requirement $0

Monthly service charge $0


Plus up to 350 FREE transactions per month.


This account comes with monthly statements.

Choose which type of statement you prefer to receive:

  • Electronic Statements (eStatement) $0
  • Mailed Paper Statements $3
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Online Checking for Small Businesses

Minimal balance requirements
Open an account with as little as $100 and spend without a monthly balance requirement.

Hundreds of transactions
Complete up to 350 transactions each month.

Affordable online services
Access free online banking tools.

Flexible Checking for Startups

We make small business checking a breeze. When you open a checking account with us, you can send and receive funds with incredible flexibility and convenience. Take advantage of online banking tools and hundreds of free transactions.

Get Started

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Looking for a commercial checking account?

Not a small business but needing a checking account for your company? We have options.

Commercial Checking Accounts

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A Checking Account That Grows With You

You can upgrade your checking account as your business grows or graduate to more enterprise services like Treasury Management. We offer product options that work with your existing tech stack or can integrate with the software you plan to add such as Mastercard Digital Doors, Quickbooks, online banking, credit cards, and more.

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Who We Are

Midland States Bank offers the best small business checking account options in Illinois and Missouri. We're a one stop shop that offers lending, banking, and wealth services online or on your phone. Or you can visit us in-person – whatever fits your schedule and needs. We combine technology and customer service seamlessly. Whether you open your accounts or apply for a loan online, you will still have a dedicated support team to assist you with any of your banking needs.

You Have Questions, We Have Answers

You can contact Midland States Bank using one of the methods below and one of our bankers will get you signed up and provided with credentials and access to your banking product.

Methods of Contact:

  1. Open an account online
  2. Call 1-855-696-4352
  3. Schedule an appointment or stop by a local branch

You can make 350 transactions each month with a Pro™ Essential Checking account. The limit includes the sum of all deposits and payments.

Midland States Bank charges a $0.50 fee for each transaction past the 350-transaction monthly limit.

There is a minimum deposit of $100 for Pro™ Essential Checking accounts.

Yes! You will receive physical checks when you open your account. You can purchase additional checks online through Deluxe by entering the Midland States Bank routing number 081204540 or over the phone.

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Ready To Take Your First Step?

Whether you’ve been running a business for years or just starting out, we’re here to help by phone or in-person. Or complete the form below and a Midland States Bank representative will be in touch to understand more about your story and connect you with options.

1-855-696-4352, Select Option 5

Schedule Appointment

¹Pro™ Essential Checking transactions include deposit tickets, deposited items, checks, ACH, wire and other transactions. A fee of $0.50 will be charged for each additional transaction over 350 per month. A $40 fee will be charged when account is closed within 180 days after opening. Special offers subject to change and without notice. Some restrictions may apply..

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