Business Checking
That Fits Your Flow
Business Checking that allows you to earn interest at a competitively high rate so you can offset all or part of your monthly account activity charges. It's the ideal account for Delaware and Maryland business owners with higher transactions volumes and larger balances.
Benefit from extra earnings every month.
With convenient, anytime access and lots of perks, our Premium Business Checking offers tremendous value. See how this account stacks up against our other business checking options so you can find the perfect account for your Delaware or Maryland business.
Basic Business Checking
The ideal account for lower transaction volumes. Anytime convenience and plenty
of free features built in.
Deluxe Business Checking
Get 50 free deposit items per month, plus all the digital access you need to manage your accountfrom anywhere.
Premium Business Checking
Earn interest on your deposits and get 100 free deposit items per month — our
top-tier business checking.
Overdraft Protection
Skip the embarrassment of declined transactions. Link your Savings
Account to back up your Business Checking automatically.
Business Checking That Moves With Your Season
High-volume summer? Slower winter? No problem. Tidemark business members can upgrade or downgrade their business checking type without changing account numbers.
Use higher deposit and transaction limits when business is booming, then switch to a lower-fee option when things slow down, all with a simple call, chat, or branch visit.
Use higher deposit and transaction limits when business is booming, then switch to a lower-fee option when things slow down, all with a simple call, chat, or branch visit.
Compare our business checking accounts
| Feature | Basic | Deluxe | Premium |
|---|---|---|---|
| Average Daily Balance | $500 | $1,000 | Fee Schedule |
| Monthly Fees (if minimum not met) | $5* | $7.50* | $15 |
| Interest Earned | - | - | Yes |
| Set-up Fee | $0 | $0 | $0 |
| Free Deposit Items / month | 25 | 50 | 100 |
| Bill Pay | ✓ | ✓ | ✓ |
| Online Banking | FREE | FREE | FREE |
| Visa Debit Card | FREE | FREE | FREE |
| eStatements | FREE | FREE | FREE |
| 24/7 ATM Access | ✓ | ✓ | ✓ |
| Overdraft Protection (Prime Share) | $3 per transaction |
$3 per transaction |
$3 per transaction |
| Federal Tax Depository | FREE | FREE | FREE |
*Monthly fee waived if average daily balance is maintained. $5.00 per month if average daily balance falls below $500 on Basic; $7.50 per month if average daily balance falls below $1,000 on Deluxe. A $15.00 monthly fee applies to Premium regardless of balance.
Dividends are earned on Premium Checking balances of $1,000 or more. Rates are tiered; see current Rate Schedule for details.
Deposit Items and Paid Checks exceeding the monthly free allowance are subject to a $0.10 per item fee.
Dividends are earned on Premium Checking balances of $1,000 or more. Rates are tiered; see current Rate Schedule for details.
Deposit Items and Paid Checks exceeding the monthly free allowance are subject to a $0.10 per item fee.
What you'll need to open a business account
Limited Liability Company
(LLC)
REQUIRED
Certificate of Formation or Operating Agreement (certified copy)
Tax Identification Number (IRS Letter or Verification)
ONE OF THE FOLLOWING
Certificate of Good Standing aka Certificate of Existence or Status
Operating Agreement (Signed and Stamped) aka Certificate of Formation or Character
Most recent tax return
Annual report filed with the State Corporation Commission
Sole Proprietorship
REQUIRED
Business License
If using a Tax ID Number, one of the following
Business or Occupational License (Temporary acceptable)
Current Tax Registration Certificate, Permit or Declaration for any State or Local Tax
Fictitious or Assumed Name Certificate aka Trade Name or DBA (Doing Business As) Registration*
If using a Social Security Number, no additional documents required.
Partnership
REQUIRED
Business License
Plus one of the following
Certificate of Limited Partnership aka Statement of Limited Partnership or Limited Partnership Registration Statement
Certificate of Good Standing aka Certificate of Existence or Status
Corporation
REQUIRED
Tax Identification Number (IRS Letter or Verification)
Corporate Resolution
One of the following
Copy of Certificate of Good Standing aka Certificate of Existence or Status
Copy of Articles of Incorporation aka Certificate of Incorporation, Formation, or Charter
Most recent tax return
Annual report filed with the State Corporation Commission
Non-Profit (Including Churches)
Non-Profit status documentation
IRS Determination Letter, or signed IRS Form 1023 or 501(c)(3)
Plus one organizational document
Articles of Incorporation or Charter
Current Constitution or other governing documents
Certificate of Good Standing aka Certificate of Existence or Status
Organization, Club, or Unincorporated Association
REQUIRED
Tax Identification Number or Social Security Number
One of the following
Letter on letterhead Stating Intent to Open Account (Signed by at least one board member
Meeting Minutes
Additional Items Needed
Personally Identifying Information for each authorized signer, manager, or officer
Valid Picture Identification for ALL signers (EX: Driver’s License, State ID, Passport)
If using a Trade or DBA Name and documents do not reflect that name, applicant must provide a copy of one of the following:
Fictitious or Assumed Name Certificate
DBA (Doing Business Registration)
Trade Name Registration
Fictitious Name Statement
*Effective February 6, 2026, trade names for new DBAs in Delaware will appear directly on the Business License rather than on a separate form. Sole proprietorships can generally add a trade name to their existing business license.
Merchant Services
Need to Accept Payments, Too?
Explore Merchant Services
Merchant services are provided through Tidemark’s partnership with Mercantile Processing Inc. Services are subject to approval and availability.
Running a business takes more than a checking account. Tidemark business members can access merchant services through our partnership with Mercantile Processing Inc. to help make accepting payments, managing payroll, and serving customers easier.
Whether you run a restaurant, retail shop, service business, nonprofit, or local office, merchant services can help you keep business moving with convenient payment solutions and support.
Whether you run a restaurant, retail shop, service business, nonprofit, or local office, merchant services can help you keep business moving with convenient payment solutions and support.
Available services include:
ATM options for your business
Credit and debit card processing
Point-of-sale solutions
Payroll services
Gift and loyalty card programs
Get Started with Business Checking
Open an Account
