Compare Business Checking Accounts

Compare business checking accounts from your local bank in Michigan. West Shore Bank has been making a real difference since 1898 and is committed to help make business happen.

That’s why West Shore Bank offers five business checking accounts to meet the needs of local businesses and organizations of all sizes. If you want quality service with a personalized touch, compare our commercial checking accounts in Michigan. You can open a new account online or visit one of our nine locations from Hart to Traverse City.

All accounts include:
A debit card, access to digital banking, the capability to send professional invoices and receive digital payments with Autobooks.

 

Key Features

mobile tablet icon
Free Digital Banking1 
Open door sign icon
Send invoices and accept payments from customers
Credit card icon
EMV Chip Debit Card 

Business Checking

Best for organizations with relatively low balance and transaction volume.

  • $200 minimum opening deposit
  • 150 free items per month; 30¢ per item thereafter
  • Reduced monthly fee with qualifier
  • Free consultation on investment, retirement and estate planning
  • $0 Monthly Service Fee

Business Interest Checking

Best for organizations with higher balances and want to earn interest.

  • $200 minimum opening deposit
  • Competitive interest on balances of $5,000 or more
  • Tiered interest, rewarding larger balances with higher rates
  • 250 free items per month; 30¢ per item thereafter
  • Monthly Fees:
  1. $15 with check images
  2. $12 with check safekeeping
  3. Avoid monthly fee by maintaining a minimum daily balance of $5,000

Business Analyzed Checking

Organizations with large transaction volumes that want to maximize earnings.

  • $200 minimum opening deposit
  • 20¢ per credit; 15¢ per debit
  • 10¢ per deposited item*
  • Unlimited monthly transactions at low per-item fees
  • Monthly service charge of $7 ($10 with check imaging)
  • Receive an earnings credit to offset or minimize monthly fees incurred2
  • Free consultations on investment, retirement and estate planning

Business Venture Checking

Designed to meet the needs of sole proprietors, nonprofits, and municipalities.

  • $200 minimum opening deposit
  • Tiered interest on balances over $600
  • Monthly service charge of $12 ($15 with check imaging)
  • Avoid monthly fee by maintaining minimum daily balance of $600
  • Free consultation on investment, retirement and estate planning

Interest on Lawyers Trust Account (IOLTA)

Exclusively for attorneys and law firms that maintain escrow funds for clients.

  • $50 minimum opening deposit
  • No minimum balance
  • No monthly maintenance fee
  • Unlimited transactions
  • Tiered interest rate














1Standard text messaging and data plan rates may apply. Consult your mobile service provider for details on specific fees and charges that may apply.
2Monthly earnings credit paid on average collected balance.

FAQs

West Shore Bank provides five distinct business checking accounts tailored to meet the needs of local businesses in Michigan. Whether you're a sole proprietor, a nonprofit, or a larger organization, we have options like Business Checking, Business Interest Checking, and Business Analyzed Checking, each designed to support your unique banking needs.

To open a business checking account at West Shore Bank, you'll need a minimum opening deposit of $200. This applies to all our business checking accounts, ensuring you get started with a solid foundation for your business finances.

Our business checking accounts have varying monthly fees depending on the account type. We encourage you to explore each option to find the best fit for your organization.

Yes, if you opt for our Business Interest Checking account, you can earn competitive interest on balances of $5,000 or more. This tiered interest structure rewards larger balances, helping your business grow while keeping your funds accessible.

All of our business checking accounts include essential features like a debit card and access to digital banking. Eligible accounts may also have the ability to send invoices and receive payments online through Autobooks—giving you tools designed to simplify day‑to‑day banking.

The Business Analyzed Checking account is designed for organizations with high transaction volumes. It offers unlimited monthly transactions at low per-item fees and includes an earnings credit to help offset monthly service charges, making it a smart choice for active businesses.

Our Business Venture Checking account is ideal for sole proprietors, nonprofits, and municipalities. With tiered interest on balances over $600 and the option to avoid monthly fees by maintaining a minimum balance, it’s a flexible solution for various entities in our community.

Yes! We offer the Interest on Lawyers Trust Account (IOLTA) specifically for attorneys and law firms managing escrow funds. This account features no minimum balance requirement and unlimited transactions, making it a convenient choice for legal professionals.

For more information about our business checking accounts, you can reach out to us by calling (888) 295-4373 or visiting one of our nine locations. We’re here to support your business and answer any questions you may have.

Choosing West Shore Bank means partnering with a community-focused institution that has been serving Michigan since 1898. We offer personalized service, a variety of account options, and a commitment to helping local businesses thrive in our community.


woman smiling

Saving options for your business, saves you. 

Choose from six business savings accounts to meet your business and municipal savings goals, including retirement accounts for employees and self-employed individuals.