Business Checking Accounts

Managing your money is one of the most crucial parts of business operations. The principle is simple: your money should be earning money as often and for as long as possible. This is the uncomplicated philosophy behind the design of our business checking services. Whether you are a non-profit organization, business corporation or a local mom & pop shop, we have the right business product to fit your needs.

For more information on our business products, contact your local office or click here to request to be contacted. We would be happy to assist you in finding the right checking account for your business!

Banking Benefits	Free Business Checking	Business Checking	Non-Personal Money Market Checking
	More info...	More info...	More info...
Account Suggested if…	You want a free account.	You require high volume activity.	You are a sole proprietor, a non-profit organization or a business that wants the ability to write checks and still earn interest.
Interest	No	No	Yes
Free Internet Banking	Yes	Yes	Yes
Business Check Card Access	Yes	Yes	Yes
Debit Card Security	Yes	Yes	Yes
Minimum Opening Deposit	$50.00	$50.00	$100.00
Minimum to Avoid Account Maintenance Charge	n/a	Annual earnings allowance less reserve requirements may offset some or all monthly service charges.	$500.00
Monthly Maintenance Charge	n/a	$7.75/month	$7.00
Activity Fees	n/a	$.18 each item over 50	None with minimum daily balance of $500.00
Excess Activity Fees	After 100, $0.385 per check paid, deposited item and ACH	n/a	$.30 for every item over 20 items per statement cycle

Free Business Checking

Heartland Bank's Free Business Checking is the ideal account for small businesses, sole proprietorships or any business with low deposit activity, lower account balances and more basic banking needs.

Business Checking

The Heartland Bank Business Checking product is best suited for customers who have a higher volume of activity in their checking account, but still want to maintain the easy account access and personalized service of a community bank.

Non-Personal Money Market Checking

Non-profit, organizations, sole proprieters and businesses love this account that provides a higher rate of interest on deposits. Heartland Bank wants to make sure that you are getting the most out of your community banking relationship. This account is available to the following customers: 

• Sole Proprietorships
• Organizations Operating Not for Profit
• Independent School Districts
• Husband and wife opening a unincorporated business
• Local Housing Authorities
• Residential Tenants Security Deposits
• Redevelopment Authorities
• Escrow Funds, Trust, IOLTA/IOTA and other Fiduciary Accounts
• Labor Unions
• Pension Funds
• Trade Associations
• Fraternal Organizations
• State University Systems
• State and Local Government Units
• Organizations Operating for "Religious, Charitable, Educational, or similar purposes"
• Hospital Districts in Ohio
• Non-Profit Hospitals