business checking ACCOUNT
No branches. No bureaucracy. Just business.
Built for late nights, big moves, and getting more done.
You’ve got better things to do than shuffle spreadsheets and chase transfers. Do More Business™ Checking is purpose-built for business owners who don’t sit still — packed with smart features that save time, keep cash flowing, and free you up to focus on growth, not grunt work.
Open NowAll the features, none of the friction.
Spend, send, and move money freely.
Unlimited transactions, no maintenance fees or overdraft fees — just total freedom to move your money when and how you need.
Protect your business with smart security.
Advanced safeguards keep your money safe, including multifactor authentication, real‑time transaction monitoring and support from U.S.-based fraud specialists.
Stay ahead with competitive rates.
Put your balance to work — earn 0.50% APY with an average daily balance of $10,000.
Send and receive with confidence.
Introducing Zelle® for your business. It’s the fast and easy way to send and receive payments.
Learn MoreThe Zelle® related marks are used under license from Early Warning Services, L.L.C.
Track all accounts, all in one place.
Get a real-time view of all your personal and business accounts in one clear dashboard. From credit cards to mortgages to personal and business checking accounts — monitor all your money in one place, no matter where it lives.
Earn more, worry less.
Our smart Balance Optimizer tool shifts funds in real time to help you earn more and keep your business ready for anything.
Learn MoreYour business. Our bank. Let’s go.
You’re juggling growth, team decisions, and constant problem-solving. What if your bank helped instead of holding you back?
What if you could view of all your personal and business accounts — regardless of financial institution or account type — in one clear dashboard? What if cash flow insights arrived automatically, showing exactly where your money’s going and how to plan for what’s next? And what if fund transfers happened in the background to maximize earned interest?
Stop imagining and start doing with our award-winning+ Do More Business™ Checking.
Unlimited transactions, no hidden fees, and built-in tools that work hard for your business around the clock — like smart Cash Flow Analysis, delivering high-powered insights with hand-held convenience. Or, maximize earnings by moving excess deposits to a higher-yield Business Savings account with our Balance Optimizer.
First Internet Bank business checking was purpose-built for business owners — so you can focus more on business and less on banking.
+ As recognized by Best in Biz Awards 2024
Welcome to the no-hassle side of business banking.
Change banks, not momentum.
Switching banks shouldn’t be a saga. We’ll guide you step-by-step so you can change banks without losing your mind — or your money.
Get the Switch KitRun business on the go.
Bank like you work: all day, any day. Check balances, move money, and pay bills — no lobbies, no limits, no banker hours.
Skip ATM fees.
And keep more of what’s yours. Use any ATM, anywhere, and get back up to $10/month in fees like the boss you are.
Testimonials
More than a bank. It’s a gamechanger.
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Small business. Bigger impact. Find your right-sized loan.
Blog
Fresh takes and insights to move your business forward.
FAQS
Have a question? We’ve got the answer.
Contact
Support that actually supports.
Getting help from your bank should be simple — and actually helpful. Whether your need is simple or complex, we’ll guide you to the right person on our Relationship Banking team without the runaround. No endless menus, no generic scripts, just smart, helpful people who get it.
Because support should feel like support, not a scavenger hunt.
Rates last updated 12/11/2025. Rates are subject to change on any day and will be updated by 10:00 AM EST. Please be sure to check this page after 10:00 AM EST for the rate that will be honored today. Fees may reduce earnings on account, you must maintain an average daily balance of $10,000 to earn interest for a Do More Business Checking Account. The Daily Balance method is used to calculate interest. For additional information, visit our Disclosures page. Terms and conditions apply. Dollar amount restrictions may apply.
