Business Banking

Business Online Banking Business Checking Accounts MidCountry Community Checking: This checking account is designed with the smaller businesses in mind. The first 100 debits are free with unlimited credits. Requires a minimum balance to avoid a monthly fee. MidCountry Commercial Checking: No minimum balance is required on this checking account. The earnings credit is 90% of the 90-day Treasury bill. Our checking accounts are designed to give you high earnings rates on your collected balances. They also offer the following benefits: - Online Banking - Bill Pay - Payroll Origination - Free Direct Deposit - 24-hour access to your account with 24-hour ATM service - Merchant Mastercard available - 24-Hour Telephone Banking: 1-888-234-4585 Toll Free

Checking Plans	Minimum Balance*	Charge for Credits	Charge for Debits	Check Deposit Charge	Earns Interest	Monthly Maintenance Fee	Addtional Benefits
MidCountry Community Checking	$1,000	None	First 100 Free 30¢ each over 100	First 100 Free 30¢ each over 100	Available to nonprofit & sole proprietors	$10 fee waived by maintaining a $1,000 balance	Free Direct Deposit. Safe keeping of checks-free of charge. Merchant Visa/MasterCard available. Online Banking & Bill Pay. 24-Hour Telephone Banking. Cancelled checks returned upon request for $4 per month.
MidCountry Commercial Checking	None	30¢ per deposit	15¢ each	8¢ each	Earnings credit 90% of 90-day (CMT) T-Bill	$15 fee	Free Direct Deposit. Safe keeping of checks-no charge. Merchant Visa/MasterCard available. Online Banking & Bill Pay. 24-Hour Telephone Banking.

Loans and Services
Whatever your financial needs are, MidCountry Bank is available to help. We offer business loans and services for our business clients. Local decision making. Our Private/Business Banking customers are treated with care and have exclusive benefits tailored to their needs. Your Business Banker meets with you at your office or other convenient location of your choice.

DeposIt
This business solution is a highly efficient system that enables you to scan and deposit checks into your account right at your desk. DeposIt can save you time and money!

Term Loans
Term loans provide a source of longer term funding for equipment purchases, vehicle purchases, or other needs. We finance loans to purchase equipment or expand an office building, purchase a new practice, refinance a contract to a former owner, working capital lines of credit and loans to fund profit sharing/pension plans. We also offer all consumer credit including Home Equity Lines of Credit and personal, unsecured lines of credit. Repayment is usually structured to provide monthly payments of principal and interest. Terms generally require repayment within seven years, and have a variable rate option. These loans are typically secured by the assets of the practice or company.

Loan Term Calculator - Click here to see how long it will take you to pay off your loan?

Working Capital Lines of Credit
Lines of credit provide a source for short term funding needs and seasonal production peaks. Repayment is usually structured to be interest only on a monthly basis with one or two year maturities and a variable rate. Lines of credit are typically secured by all assets of the practice/business.

Services
MidCountry Bank has other services available to meet the needs of our private community businesses, including Night Depository Services, Overdraft Protection, and Letters of Credit. Postage paid, self addressed envelopes are provided for deposits or use the convenience of an ATM to make either business or personal deposits.

Business Credit Cards
Not all credit cards are created equal. Some have higher interest rates. Some have higher annual fees. And some have lower credit limits. MidCountry Bank has a credit card especially designed with you in mind. So apply today by calling us at 1-800-255-6795. Or just fill out our online application now. It's quick. It's easy. It's the way we do business.

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