Business Checking

The right business checking account allows for smoother transactions and gives your business a solid financial foundation. MBT Bank offers multiple business checking accounts, each with their own features to best fit your business or agricultural operations needs.

MBT Bank also offers basic business and small business checking accounts, an account with monthly analysis, a business interest account and business sweep accounts. Compare our business checking accounts to see which one best fits your business.

Account Type

Designed For

Service Fee

Account Features

Small Business Checking

Home Business, Group or Club Accounts, & Sole Proprietors with minimal activity

No Minimum Balance Fee

Small Business Checking is perfect for sole proprietors or home-based businesses such as: Silpada, Lia Sophia, Pampered Chef, Mary Kay, Class Reunions, Bowling Leagues, and other sporting associations, etc.  No minimum opening balance required.  Monthly statement includes images of checks for ease of filing and tax purposes

  • 15 free withdrawls - then $.40 each
  • 5 free  deposits - then $.40 each
  • 15 free foreign items - then $.10 each
  • 15 free on-us items - then $.10 each
  • Return deposit Item fee - $3 each

Basic Business Checking

Farm accounts, Rental Property, Sole Proprietors, Partnerships, LLC's , & Corporations

$6 if minimum balance falls below $1,000

Basic Business Checking is designed to meet the checking needs for small to medium-sized businesses with a moderate amount of transactions.  No minimum opening balance required.  Monthly statement includes images of checks for ease of filing and tax-purposes

  • 45 free withdrawls - then $.30 each
  • 25 free deposits - then $.30 each
  • 65 free foreign items - then $.05 each
  • 65 free on-us items - then $.05 each
  • Return deposit Item fee - $3 each

Business Interest Checking

Sole Proprietos, Non-Profit Organizations, & Government Entities

$6 if minimum balance falls below $4,000

Business Interest Checking is intended for sole proprietorships, non-profit organizations, and government entities only (corporations are not eligible). No minimum opening balance required. Interest accrues on daily collected balances, compound and paid monthly; statements include images of checks for ease of filing and tax purposes.

  • 45 free withdrawls - then $.30 each
  • 25 free deposits - then $.30 each
  • 65 free foreign items - then $.05 each
  • 65 free on-us items - then $.05 each
  • Return deposit Item fee - $3 each

Business Analysis Checking

Corporations with large volume activity

$8 monthly
Analysis charge

Business Analysis Checking is designed for businesses that maintain large balances and have a high volume of transactions. You’ll enjoy the convenience of a monthly detailed analysis statement and the value of an earnings credit, which helps offset fees.

  • Per withdrawl fee - $.14 each
  • Per deposit fee - then $.14 each
  • Per deposit on-on us items fee - $.03 each
  • Per deposit foreign items fee - $.05 each
  • Return deposit Item fee - $3 each

Corporate Sweep Account

Corporations with large volume activity, based upon business needs

$50 monthly
Sweep fee

Corporate Sweep Accounts are designed for the larger balance-level business customer. Excess funds are swept into a tiered interest bearing account. The account provides automatic cash management of funds by utilizing retail repurchase agreements (or REPOS). REPOS are short-term debt obligations of the bank. REPOS are not FDIC insured but are collateralized by U.S. Securities held by a correspondent bank, which are fully guaranteed by the United States or one of its agencies. With no FDIC maximum insurance guidelines, the corporate customer is able to maintain secured balances in excess of $250,000.

  • Per withdrawl fee - $.14 each
  • Per deposit fee - $.14 each
  • Per deposit on-us items fee - $.03 each
  • Per deposit foreign items fee - $.05 each
  • Return deposit item fee - $3 each