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An account your business can bank on.

You can count on MutualBank to continually deliver for your business no matter what comes your way.

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Business Banking With MutualBank

Open a Business Checking Account Online and Get These Great Business Banking Features Included

Business Online Banking

Take control and manage your business' finances online - anytime, anywhere with our Business Online Banking.

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MutualBank Business App

Deposit checks, approve transfers, view balances and more - right from your phone - with the MutualBank Business App.

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Debit Card

Our standard debit card is free but you also have the option to personalize your card with a photo you provide!

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Access to 55,000 Surcharge-Free ATMs

Banking local doesn't mean staying local. Get cash wherever you go.

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Business Checking Account Options

On mobile devices, scroll through the account options by swiping to the left.


Business Basics

Business Checking

Business Checking with Interest

Community Checking

Money Market


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Best for:

Those who want a basic account with no minimum balance.

Those with a large volume of checking activity.

Those who want to earn interest on their checking account.

Nonprofits, government or religious/community organizations.

Those who want best interest rate and/or a temporary place for investments.

Minimum to Open:






Online Banking & eStatements 

Mobile App 

Monthly Maintenance Charge






Can the maintenance charge be waived?


Can be offset by earnings credit*

by maintaining a $1,000 monthly balance

By maintaining a $5,000 monthly balance

By maintaining a $2,500 monthly balance

Included Monthly Transactions

150 checks deposited / checks cleared


125 deposited and 125 checks processed / ACH withdrawals

500 deposit or withdrawal transactions

Unlimited in-person transfers; allows for 30 deposited items and 6 cleared items

Interest Paid




Interest option available

Monthly 3 interest tiers

Monthly 6
interest tiers

Monthly 3 interest tiers

Telephone Transfers





$5 after first 6 debits

Overdraft Protection

$7 per transaction

$7 per transaction

$7 per transaction

$7 per transaction

$7 per transaction (3 allowed per month)

Sweep Option Available?


Return Item Fee






Additional Fees

Yes; see explanation below

Yes; see explanation below

Yes; see explanation below

Yes; see explanation below

Yes; see explanation below





+ Additional Business Checking Information & Disclaimers

Paper Statement Fee
If you are an owner or authorized signer on any MutualBank Business Checking account, a monthly paper statement fee of $5.00 applies if your business is not enrolled in eStatements.

Returned ACH Fee
A $10.00 fee per item will be assessed for ACH items that are returned.

Business Basics - Checks deposited / cleared after allotment:
$0.36 cents for additional check cleared after 150 monthly allotted items.

Business Checking with Interest - Checks deposited / cleared and ACH withdrawals after allotment:
$0.15 cents for each check deposited, check processed, or ACH withdrawal; ATM and EFT withrawals are not included in the transaction count for per item fees.

Community Checking - Checks deposited / cleared after allotment:
$0.18 cents for additional check deposited / check cleared after 500 monthly allotted items.

Money Market - Checks deposited / cleared after allotment:
$0.25 cents for each check deposited; $5 dollars for additional checks cleared after allotted items.

Earnings Credit

* Each month, an earnings credit will be computed based on the account's average collected balance less required reserves. Please ask about the current earnings credit rate.

**Money market sweep limitations

Get Started

Ready to Open a Business Checking Account?

Apply online, call 765-283-0018 or visit any one of our financial centers to open a Business Checking Account.

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What to have ready

  • Social security number
  • Government issued ID(driver`s license, US passport, or state-issued ID)
  • Business Tax ID
  • Existing bank account numbers to transfer funds to your new account
  • Documents verifying your business and your authority to act on behalf of the business. These documents depend on your business/organization type (see below)

+ Corporation (For Profit & Not for Profit)

  • Business Tax ID
  • By-laws showing authority of account signer(s)
  • Articles of Incorporation


  • Articles of Organization
  • Membership Agreement

+ Partnership

  • Certificate of Partnership
  • Partnership Agreement

+ Sole Proprietor

  • Assumed Name Certificate


The MutualBank Business App

Keep tabs on all your MutualBank business accounts, ACH transfers, wire transfers, and more. Available for both Apple and Android smartphones and tablets.

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Open a business checking account online

Get a text or an email whenever you pay with your MutualBank debit or credit VISA® card! Set up other alerts too to keep your account secure. It's free! (your phone provider's message and data rates may apply).

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