Business Checking & Savings


The right business checking account minimizes your costs and maximizes your time. With Marine Bank, you will enjoy a convenient branch network, maintain secure online account access, and have peace of mind knowing that we are constantly watching out for your bottom line.

Account Name Small Business Classic Interest Bearing Non Profit Commercial Commercial Sweep
Required Opening Balance $100 $100 $100 $100 $100 $100
Monthly Fee $0 $15 $7.50 $0 $10 $30
Balance to Avoid Fee n/a $15,000 $7,500 n/a Analyzed Analyzed
Free Items/Month 200 400 100 500 Analyzed Analyzed
Charge per Item After $0.35 $0.35 $0.45 $0.35 Analyzed Analyzed
Earns Interest? No No Yes No No Yes


A business savings account is an easy way to prepare for unexpected expenses, set aside tax payments, or retain earnings. You’ll earn interest on your balances while maintaining full access to your funds.

Account Name Business Savings Business Money Market
Required Opening Balance $100 $10,000
Monthly Fee $5* $10*
Minimum Daily Balance
$100 $10,000
Earns Interest? Yes Yes
Compounding and Crediting
Quarterly Monthly

 *Service fee charged if balance falls below minimum daily balance on any day of the month. Fees for account types may differ.

Required Account Opening Documents

  • Employer Identification Number (EIN) or Taxpayer Identification Number (TIN). Sole proprietors may use their Social Security Number.
  • Articles of Incorporation, Articles of Organization, charter, or a similar legal document showing when your company was formed. Sole proprietors need an Assumed Name (Doing Business As) Certificate from their county. Business partners need a partnership agreement listing the name of the partnership and all partners.
  • A government-issued photo ID and Social Security Number for anyone authorized to sign checks or conduct transactions on behalf of the organization.

IOLTA Accounts
Interest on Lawyer Trust Accounts (IOLTAs) is limited to attorneys and law firms that maintain escrow funds for multiple clients. All IOLTA funds are pooled, and the interest earned, less any permitted service fees, is used by the State of Illinois to fund legal expenses for residents who cannot afford them and other justice-related projects taken on by the state IOLTA board. Marine Bank IOLTAs feature:

  • No minimum balance
  • No monthly fee
  • Unlimited free monthly transactions

In accordance with the requirements of the Unlawful Internet Gambling Enforcement Act of 2006 and Federal Regulation GG, this notification is to inform you that restricted transactions are prohibited from being processed through your account relationship with Marine Bank. Restricted transactions are those in which a person accepts credit, funds, instruments, or other proceeds from another person in connection with unlawful Internet gambling.

Download our Business Checking and Savings Accounts brochure.

Nick Oehmke
Call Nick anytime for a free consultation about how Marine Bank can provide financial solutions tailored to your business.

Let us help you with your FIRST check order.  Please contact us at 1-800-811-4190 or”


If you have questions or need assistance,
we are happy to assist you. Please use
our online chat or call our Help Desk Team
at (217) 726-0660.

Digital Banking

You Are Now Leaving

You are now leaving Marine Bank’s website. You are about to access a third party web site or service that is not owned or controlled by Marine Bank and therefore, may not be FDIC insured.

While we believe these resources are reliable, Marine Bank is not responsible for and will not guarantee the products, services, information, or content provided by this third party.

« Cancel Continue » ×