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Business Checking

When it comes to free checking, we’re all business.

One of the keys to running a successful business is keeping profits up and costs down. A Totally Free Business Checking Account is a great place to start. Our hard-working accounts offer all the services your business needs, whether you’re expanding or just starting out.
 

 Totally Free Checking

A free account for your business needs. No minimum balance or monthly service charge after opening your account.

Business Interest Checking

Earn competitive interest with up to 10,000 in coin and currency deposits or withdrawals, including change orders per month FREE.

Business Analysis Checking

For the larger businesses with complex banking needs. Earnings allowance from deposit balances may offset activity fees.

Public Funds Checking

For public funds entities.

Want to compare these accounts side by side?

*Every new Business Checking account comes with:

 
  • FREE VISA© Debit Card
  • FREE Mobile Banking with Mobile Check Deposit
  • FREE Online Banking & Bill Pay
  • FREE Statements-eStatements or Paper Statements
  • FREE Online Check Images
  • FREE Gift to thank you for your business
Plus, we will buy back your unused business checks or debit card from a different financial institution with up to a $25 credit to your account.
 
 

Checking Account Comparison

Account Details

Totally Free Business Checking

  • $50 minimum opening deposit
  • No minimum balance after opening
  • No Monthly Service Charge
  • 3000 items per month – includes debits, credits and deposited items
  • If account items exceed 3000 per month, the account may be changed to another account type.
  • Fee Schedule
 

Business Interest Checking

  • $50 minimum opening deposit
  • Maintain a $1,500 minimum balance to avoid a low monthly service charge of $6
  • Variable interest rate account that earns competitive interest
  • Up to 10,000 in coin and currency deposits or withdrawals, including change orders per month FREE.
  • Fee Schedule 
 

Business Analysis Checking

  • $50 minimum opening deposit
  • $10 monthly maintenance fee, plus activity fees which can be offset by earnings credit from deposit balances.  Contact your local branch for more details. 
  • Earnings allowance from deposit balances may offset activity fees.  The earnings credit will be calculated by applying the earnings credit rate to the average collected balance in the account for each statement cycle.    
  • Fee Schedule

Public Funds Checking

  • For public funds entities
  • Competitive interest
  • Maintain a $1,500 minimum balance to avoid low monthly service charge of $6
  • Fee Schedule


To help in opening your new business accounts, we may request the following:

Sole Proprietor/DBA Limited Liability Corp (LLC) Partnership Not-For-Profit Organization Corporation
  • SSN or TIN of Owner
  • TIN of LLC
  • Articles of Organization
  • Operating Agreement
  • TIN of Partnership
  • Partnership Agreement Letter
  • Certificate of Partnership
  • TIN of Organization
  • If incorporated, follow corporation guidelines
  • If Tax-exempt, IRS documentation or tax return
  • If not tax-exempt, authorized letter
  • TIN of Corporation
  • Articles of Incorporation 
Additional documents and/or state registration may also be required. Contact your Mountain West Bank Personal Banker and/or New Accounts Representative for further information.
 

*Other fees such as overdraft, returned item, continuous overdraft, etc. may apply. See fee schedule for details. Unless specified otherwise customer purchases checks. If the Totally Free Business account or Business Interest account exceed 3,000 free monthly transactions, $10,000 in monthly coin & currency deposits/withdrawals (including change orders) or requires additional regulatory oversight, the account may be converted to Business Analysis Checking, which includes additional fees. Buyback of checks and debit cards: $25 for checks and debit cards from another financial institution. Your account will be credited at the time the checks/debit cards are presented. Free gift provided at the time of account opening. Bank rules and regulations apply.
We proudly serve the communities of Coeur d Alene, Post Falls, Hayden, Ponderay, Sandpoint, Bonners Ferry, Boise, Meridian, Nampa, Eagle, Ketchum, & Hailey, Idaho, Spokane, North Spokane, Newport, & Ione Washington, Brigham City & Park City, Utah.