Please beware of fraudulent / scam text messages, emails or phone calls regarding your debit card or bank account. Always call the bank at 815-264-3201 or our debit card provider Shazam at 866-508-2693 to confirm.

Waterman Bank

Business Checking

Earn .50% APY*

Get more for your money.

24/7 Online Banking

With 24/7 online and mobile banking and 37,000 fee-free ATMs, you'll always have access to your money.

Business Checking Benefits

EMV Chip - Debit Cards

Your Waterman Business debit card comes with chip enabled security and gives you access to your money 24/7.

37,000 Fee-Free ATMs

Partnered with MoneyPass, Waterman Bank provides its customers with access to over 37,000 fee-free ATMs nationwide.

Business Checking

Business Checks

The Waterman Business Checking account gives you the ability to request a checkbook and flexibility to write checks when you need it.


If you need help, you can stop by one of our locations or give us a call. We will be happy to answer your questions.

FDIC Insured

Your accounts at Waterman Bank are insured by the FDIC up to the maximum amount allowed by law.

Waterman Business Checking

Business Checking Account that Works for You

With no per transaction fees, Waterman Business Checking is a smart choice for your business. 

Waterman Business Checking accounts come with a free debit card. Our partnership with MoneyPass® gives you access to 37,000 fee-free ATM locations.

Bank from Anywhere with
our Mobile App for Business

A full-service bank at your fingertips.

Transfer Between Accounts

Set up automatic monthly transfers, easily move money between your Waterman Bank accounts.

Security and

Face ID & Fingerprint Authentication

View Account

Our mobile app makes it simple to stay on top of your transactions on the go.

Set Account

Set up alerts and get notified for specific details on your balances and transaction.

Learn more about our
Waterman Bank Mobile App here.

Learn more about our
Waterman Bank Mobile App here.

Frequently Asked Questions

You can access your account, make payments, or move your money with online banking through our website or through the Waterman Mobile app. You can also:

  • Use your debit card for purchases and payments
  • Get cash when you shop at select stores with your debit card
  • Request a wire transfer
  • Request a cashier’s check
  • Transfer money between accounts
  • Get cash using our surcharge free network of ATMs
  • Branches

Yes, if you requested and signed for a debit card or checks your debit card will arrive by U.S. Mail in approximately 14 business days. Your initial check order will arrive in approximately 21 days after your account is opened and the order is placed. Please call us at 815-264-3201 if you do not receive your debit cards or checks or if you have any questions.

You can download the “Waterman Mobile Business” mobile app through the Apple App Store or Google Play Store. Click here for more information and a direct link to download for either platform.

Yes, your account is insured with the FDIC insurance up to the allowable limits.

Waterman Bank is here to help.

At Waterman we believe in serving all the people in our communities, understanding your needs and finding the right solutions to meet them. Whether your goals are big or small we are only a phone call or email away, we’re here to help.

* Annual Percentage Yield (APY) is accurate as of 9/22/2023 and is subject to change without notice. Fees may reduce the earnings on the account. Limited to $1,000,000.00 per account type per household or controlled entity.