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Checking

It feels good to simplify!

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In an age when business is hard and every day brings its own challenges, we look for simple solutions wherever we can find them.

It feels good to simplify!

Such is the case with accounts at The Middlefield Banking Company. New regulations, governmental rules and current economic conditions have led us to streamline the way we help you manage your business's money. While these are not sweeping changes, you will notice small changes to your current accounts with our bank. Our account representatives are here to help you with any questions you have.

Here are Checking Account Packages with benefits we have tailored for your business.

Basic Accounts
Easy Business Checking

designed for the business customer who writes only a few checks a month and maintains a low daily balance. This account is ideal for a small business or business start-up.

  • Free Checking with no monthly fees, no balance requirements
  • 100 checks/debits free per month
  • Free access to your money via ATM/Debit card
  • E-Statement with check images sent monthly to you anywhere via e-mail or Paper Statement without check images
  • EasyLink Business Online Banking
Easy Business Plus Checking

designed for the business customer that is not concerned about maintaining a minimum balance and would like to receive copies of their paid checks with their monthly statements. This is the only account with paper images.

  • No minimum balance requirements
  • $8.00 a month service fee
  • $0.25 fee for each check or debit charge
  • Free access to your money via ATM/Debit card
  • E-Statement with check images sent monthly to you anywhere via e-mail or Paper Statement with check images
  • EasyLink Business Online Banking
Variable Rate Accounts
Business N.O.W. Checking

intended for the business customer who desires to earn interest on their funds and have unlimited check writing capabilities. Only sole-proprietors, DBA and non-profit organizations are eligible for a Business NOW Account by Federal regulation.

  • Certain eligibility restrictions apply
  • Variable Rate Account - See current rates
  • No monthly service fee if balance above $1,500 otherwise monthly fee $8.00
  • $0.25 fee per check or debit
  • Free access to your money via ATM/Debit card
  • E-Statement with check images sent monthly to you anywhere via e-mail or Paper Statement without check images
  • EasyLink Business Online Banking
Business Money Market Account

for the business customer who wants to earn a higher rate of interest on higher daily balances. For regulatory reasons, only 6 check and/or debit withdrawals are permitted and, therefore, should be considered a limited activity account.

  • Variable Rate Account - See current rates
  • No monthly service fee if balance above $3,000 otherwise monthly fee $8.00
  • Limit to 6 checks per month
  • No ATM/Debit card access for this account
  • E-Statement with check images sent monthly to you anywhere via e-mail or Paper Statement without check images
  • EasyLink Business Online Banking
Business Analysis Checking

aimed towards larger businesses or corporations who maintain balances in their account to support their higher volume of activity.

  • Credit earned on daily available balance at a rate of 0.50% above Statement Savings rate - See current statement saving rates
  • Monthly fee $6.00
  • $0.15 fee per check or debit
  • $0.10 fee per deposit or deposit item
  • No ATM/Debit card access for this account
  • E-Statement with check images sent monthly to you anywhere via e-mail or Paper Statement without check images
  • EasyLink Business Online Banking