Many traditional business checking accounts do not earn interest, but good news, First Internet Bank’s Do More Business™ Checking does. Eligible balances can earn interest, helping your everyday business funds work harder while remaining fully accessible. For additional earning potential, our Balance Optimizer takes it a step further. This built‑in cash management tool lets you set a target balance in your checking account. Any excess funds are automatically moved into a First Internet Bank Business Money Market Savings or Business Savings account to earn higher yields — and automatically transferred back when your checking balance falls below your target.