Business Checking

No checking account should ever tie you down.

Our checking products are designed to help keep your business running smoothly. We offer a variety of options from which to choose, including:

Business Checking Designed for a business with average transaction activity or with a fluctuating daily balance. You also have the ability to defray monthly service charges with the earnings credit rate based on the average collected balances maintained in the account.

Small Business Checking For smaller businesses with limited transaction volume plus deposit balances.

Business Interest Checking Maximize your business banking relationship with an interest bearing checking account for businesses; tiered interest rates allow for greater earnings potential.

Nonprofit Checking Specially tailored to the needs of nonprofit 501(c)(3) organizations.

Public Funds Checking An account with the features municipalities and school districts require.

The Bank of Northern Michigan service, included with every checking account.

Every account is backed by the person-to-person service for which The Bank of Northern Michigan is known.


Make your account work for you with the following services:

OnLine Banking Unlimited access to all your account information 24 hours a day using our secure website.

Business BillPay Skip writing and mailing checks each month and enjoy the convenience of paying bills online from your home or office. Control your finances by scheduling payments, managing bills, and paying your employees hassle-free.

Pay Card Solutions Pay Cards are prepaid cards that offer the functionality of a Debit, Gift or ATM Card without an employee having a bank account. Our Pay Card solution has many functions that your employee will enjoy such as bill pay, mobile alerts, card-to-card and card-to-bank transfers, and transaction level budgets. Pay Cards allow for the business to elect 100% employee participation in electronic payroll deposit and is in full compliance with House Bill 5821.

Courier Service We come to your office to pick up your banking transactions for same-day processing Monday through Friday. The courier can be scheduled on a daily or as-needed basis. View our delivery/pick-up areas here.

MasterMoney™ Debit Card Looks like a credit card, but acts like a check. Access your account information through virtually any ATM.

Cash Management Looking for a way to get more of your money working for you? Business checking accounts are eligible for cash and deposit management services, including expert account analysis, investment sweeps and automated clearing house (ACH) transactions.

OnSite Banking (Remote Deposit Capture) Electronically scan checks for deposit into your accounts without leaving your office, saving you time and money.

e-Statements Get your statement faster and with check imaging by utilizing e-Statements.


Switch Today

We understand that switching banks can be overwhelming. That’s why we work to make it as easy on you as we can. Our relationship managers will be able to guide you through the process of switching to The Bank of Northern Michigan, easing the transition and handling the details for you.


Ready to start the switch process?   Download your switch kit. Or let your relationship manager help ease the transition. If you haven’t met your relationship manager, ask a relationship manager to contact you.

Deposits & Cash Management

Business BillPay