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When it comes to running a business, we know how important banking can be. At Eastern Michigan Bank, we offer business checking accounts customized to fit the needs of your business! We offer banking solutions to businesses of all sizes! In addition to their own unique features, each account can be customized with one or more of our complimentary, convenient services including online banking, bill payment, debit cards and more! 

Whether your business is big or small, Eastern Michigan Bank can help! Stop in today to one of our nine locations in St. Clair, Sanilac and Huron Counties! Click here to find a location near you.


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eBusiness

Checking (NEW)

Basic
Business

Classic
Business

Commercial
Checking

Best Suited For

Low account balances w/less than 50 transactions/mo

Lower account balances w/less than 100 transactions/mo

Med balances & transaction values; use basic services

Higher balances; use a wide variety of bank services

Minimum Opening Deposit

$100

$100

$100

$100

Monthly Service Charge

None

$5

$5

$10

Avoid Charges By

eStatements required or a $3 paper statement fee will apply

Carry a min avg balance of $500

Earnings credit helps offset charges/fees

Earnings credit helps offset charges/fees

Transaction Fees

First 50 items free, $.30/item over 50 (items include checks paid, deposit tickets and deposit items)

First 100 items free, $.20/item over 100 (items include checks paid, deposit tickets and deposit items)

$.12/check and $.10/deposit ticket (no per deposit item fee)

$.03 per ACH/EFT and check; $0.05/deposit ticket; $0.05/deposit item

Electronic Statements Required





Debit Card Available*





Online Banking & Bill Pay Available**





Telephone Banking Available






Municipal and Public Funds Banking

Eastern Michigan Bank offers specialized account solutions for school districts and municipalities, including federal, state and local government agencies. Stop in today to one of our nine locations in St. Clair, Sanilac and Huron counties! Click here to find a location near you.

Non-Profit Organization

Eastern Michigan Bank offers special pricing for churches and any registered 501(c)(3) non-profit organization. Stop in today to one of our nine locations in St. Clair, Sanilac and Huron Counties! Click here to find a location near you.


Things You May Need to Open an Account

  • Government issued picture ID for each signer
  • Proof of tax ID number (if you do not have your business papers)
  • DBA Name Registration (if DBA)
  • Articles of Incorporation (if incorporated)
  • Partnership Agreement (if partnership)
  • Articles of Organization (if LLC)
  • Beneficial Ownership Certification Form***


*Debit card subject to approval.
**Carries a fee of $0.50 per bill payment.
***Federal regulation requires most legal entities to provide information about beneficial owners, including a controlling person, at the time a new account or service is established with any financial institution in the United States. Governmental agencies and companies that are publicly traded on the NYSE, Amex or NASDAQ as well as individuals are exempt from this rule. For additional information, please contact your local Eastern Michigan Bank branch.




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