Seeing the abbreviation MBI or MBI SETL on a business bank statement typically indicates a Merchant Bankcard Settlement transaction. This specific line item represents the batched electronic deposit transferred directly into your commercial checking account by your credit and debit card processing provider. It reflects the net revenue generated from recent consumer card sales after the processing company has automatically subtracted applicable interchange fees, merchant service charges, or transaction processing overhead. Business owners should routinely reconcile these deposits against individual daily batch reports to ensure accurate bookkeeping and accounting logs.