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At Eastern Michigan Bank, we offer multiple account solutions tailored to meet your business’s unique operational needs.

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Checking (NEW)




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





Monthly Service Charge





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

Public Funds

Eastern Michigan Bank offers specific account solutions for our customers who handle public funds. If you are a state or federal government agency or local county, city, village or township, please contact your local branch for more information.

Non-Profit Organization

If you are a school district, church or non-profit organization, contact your local branch about special pricing. You may qualify for a business checking account with no monthly service charge, withdrawal or deposit fees.

Beneficial Ownership Certification 
Federal regulation requires that most legal entities 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. A representative of the legal entity must complete and certify the information requested on the Beneficial Ownership Certification Form. Governmental agencies and companies that are publicly traded on NYSE, Amex or NASDAQ as well as individuals are exempt from this rule. For additional information, please review the Beneficial Ownership Certification Form or contact your local Eastern Michigan Bank branch.

*Debit card subject to approval.
**Carries a fee of $0.50 per bill payment.

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