A women working at the desk of a floral shop.

Business Checking

Our simple business checking accounts help make running your business a little easier.
When you open a new account, you’ll receive a FREE thank you gift. And your old debit card and checks from your ex-bank are worth $10 – so turn ‘em in!*

Simply Better Business Checking

Perfect for most businesses
  • No minimum balance
  • No monthly service fee
  • 1,000 FREE monthly transaction items***
  • Up to $10,000 currency deposited per month free^ 

Business Interest Checking

Perfect for sole-proprietorships and not-for-profit organizations
  • Competitive interest rate
  • 1,000 FREE monthly transaction items***
  • Only $1,500 minimum balance to avoid a low monthly fee of $6
  • Up to $10,000 currency deposited per month free^

Commercial Checking

For businesses with more complex banking needs
  • Earnings credit allowance on deposit balances may offset activity fees
  • Only $15 monthly service fee
  • Transaction items are just 12¢ each
  • Coin and currency deposits just 50¢ per $1,000 

We also offer

We can help you select the right account with a few simple questions.

Where are you and your money headed? We'll help you get where you want to go.

  • We'll give you the tools you need to develop a meaningful relationship with your hard earned dollars. We're here to help you take care of what you earn – and do more with it.
  • Our team never (ever) makes a commission. We're encouraged to take our time to get to know you, and given the freedom to find answers for your specific situation.
  • As a mutual bank, our sole focus is serving you. We're owned by you - our customers – rather than stockholders. That means we choose people over profits, and will only sell you products and services you actually want and need.
  • Our culture is built on caring – for our customers, our employees, and our community. We give generously, we volunteer generously, and we make an impact.
  • Your success is how we measure ours. Let's get there together!

Save up to $240 a year at Think!

COMPARE: Think Bank Wells Fargo US Bank Bremer

Simply Better Business Checking Initiate Business Checking Gold Business Package Community Business Checking
Monthly service fee $0 $10 $20 $10
Requirements to avoid monthly fee NONE $500 Minimum Daily Balance $10,000 Average Collected Balance $2,500 Average Daily Collected Balance
Monthly item or transaction  1000 $0.50 each over 100 $0.45 each over 300 $0.55 each over 300
Annual service fee if requirements not met $0 $120 $240 $120

Competitive information was obtained directly from financial institutions' websites during the week of 3/6/2023. Some institutions may allow other ways to waive the monthly service fee. Costs above assume the customer does not meet the balance requirements.

Open an account

Call us at 1-800-288-3425, visit us, or click below to start saving more today. You can start opening your account online and sign electronically.

To assist in opening your account we may request

Sole Proprietorships:

  • Your full legal name

Limited Liability Companies (LLC):

  • Articles of Organization

Unincorporated Lodges, Associations, or other entities:

  • By-laws (if applicable)
  • Meeting minutes (if applicable)


  • Articles of Incorporation filed with the state

Partnerships & Limited Liability Partnerships (LLPs):

  • Partnership Agreement
  • Statement of Qualifications file with State Filing Office

^ Includes coin and currency. If the Simply Better Business or Business Interest account exceeds $10,000 in monthly coin and currency deposits, the account may be converted to another checking product.
* $5 for checks and $5 per debit card (up to $10 maximum) from another financial institution given at the time the checks/debit cards are presented. 
** We reserve the right to substitute a gift of similar value. Free gift may be reported on a 1099. Free gift provided at the time of account opening.
*** Transaction items include all debits and credits. If the Simply Better Business or Business Interest account exceeds 1,000 free monthly transactions, the account may be converted to another checking product.
Other fees such as non-sufficient funds, overdrafts, sustained overdraft fees, bill pay fees, etc. may apply. See fee schedule for details. Bank rules and regulations apply. Minimum opening deposit is only $50. Ask for details.