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Business Checking Rates

Checking Rates




Account Type Opening Deposit Minimum Balance1 Interest Rate Annual Percentage Yield
Public Funds Checking2 $100 $0 to $499,999 0.25% 0.25% Locations


$500,000  and above 0.75% 0.75%
Civic Checking $100 $1,500 and above  0.10% 0.10% Locations
IOLTA  $0 All Amounts  3.33% 3.39% Locations
Integrated Business Checking3 $500 $0 to $9,999 0.00% 0.00% Locations


$10,000 to $49,999 1.00% 1.00%


$50,000 and above 2.96% 3.00%
Integrated Business Checking ICS Sweep3,4 $250,001 $250,000 to $3,000,000 4.88% 5.00%


$3,000,001 and above 2.96% 3.00%

Deposit Rates are accurate as of 12/19/2024 and subject to change without notice. Checking and Savings are variable and may change after account is opened. Interest is compounded daily and will be credited to the account on the schedule statement date. Fees may reduce earnings. Daily balance is the amount of principal in the account each day. Average Daily Balance is determined by adding the full amount of principle in the account for each day of the period and dividing that figure by the number of days in the period. Contact our Customer Service Center or visit your local branch for further information about applicable fees and terms.
  1. The minimum balance must be maintained for one year in order to receive the Annual Percentage Yield.
  2. Account Owner must be a municipality or other public entity and is subject to approval for account collateralization in the sole discretion of BankFinancial.
  3. APY guaranteed until 1/2/2025.
  4. Requires Integrated Business Checking and a Cash Manager sweep to the Integrated Business Checking ICS Sweep account for balances in excess of $250,000. 5.00% APY tier applies only for ICS sweep balances from $250,000 and $3 Million; a 3.00% APY will apply for balances above $3 Million.