Building a profitable business can be hard…but getting the most from those hard-earned profits just got a lot easier!


Balance Optimizer from Do More BusinessTM Checking maximizes earnings by moving money seamlessly between checking and either a First Internet Bank Business Money Market or Business Savings account to earn higher-yield interest. And that builds your bottom line.

Do More BusinessTM Checking Business Money Market Savings Business Regular Savings
APY (Annual Percentage Yield) 0.50% APY with an average daily balance of $10,000 3.46% with a daily balance of $5,000,000 or below

5.48% with a daily balance above $5,000,000


Here’s how it works:

  • Open Balance Optimizer and set a daily target balance (what you want to maintain in Do More Business Checking account)
  • Any funds above the target will be moved into your First IB Business Money Market/Business Savings account each day, where they earn a greater Annual Percentage Yield
  • Should you fall below the target balance, funds are automatically transferred back from your savings to replenish your checking account

It’s that easy. With Do More Business Checking and a Business Money Market or Business Savings account, you’re just moments away from putting your profits to work. Apply today and discover better business banking – along with a bigger bottom line. Do More, Imagine More…and now Balance Optimizer helps you earn more!

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Complete your application in just minutes. It’s quick, it’s easy and it’s all online so you can focus on what matters most — growing your business.

Rates last updated 3/7/2024. 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. The period used to calculate average daily balance for the Small Business Checking account is monthly. For additional information, visit our Disclosures page.