Manage Your Daily Expenses with Ease
Manage accounts, transfer funds, pay bills or deposit checks 24/7 using your smartphone, computer, or tablet. Learn more.
You have access to the Allpoint ATM Network, which provides more than 55,000 surcharge-free ATMs, so cash is never far away.
Open a checking account online in as little as 10 minutes. Open now.
Your Midland checking account gives you access to several types of overdraft protection tools.
Lost or damaged your debit card? Get a new one instantly at any branch. Plus, enjoy secure, tap-to-pay convenience by storing your Midland cards in your smartphone’s digital wallet—no physical card is needed.
Looking for a simple, straightforward online checking account? This basic checking account is perfect for managing your money with ease. Learn more.
| Liv Unlimited | Liv Simply | |
|---|---|---|
| Debit Card | ||
| Online Banking | ||
| Online Bill Pay | ||
| Mobile Banking App | ||
| Text Banking | ||
| Digital Money Management | ||
| Allpoint Fee-Free ATMs* | ||
| Overdraft Protection Available | ||
| ATM Refunds1 | No | |
| Free Checks | No | |
| Earns Interest2 | No | |
| Account Statement Options | Paper or eStatement | Paper or eStatement |
| Monthly Fee | $0 or $10 | $0 |
| How to make this a Free Account: | Maintain a daily balance of $5,000 or more per month. | Enroll in eStatements (Paper Statements are $3 per month) |
| Open Account | Open Account |
| Debit Card | |
|---|---|
| Online Banking | |
| Online Bill Pay | |
| Mobile Banking App | |
| Text Banking | |
| Digital Money Management | |
| Allpoint Fee-Free ATMs* | |
| Overdraft Protection Available | |
| ATM Refunds1 | |
| Free Checks | |
| Earns Interest2 | |
| Account Statement Options | Paper or eStatement |
| Instant Loan Feature | No |
| Free Cashier's Checks | No |
| Monthly Fee | $0 or $10 |
| How to make this a Free Account: | Maintain a daily balance of $5,000 or more per month. |
| Debit Card | |
|---|---|
| Online Banking | |
| Online Bill Pay | |
| Mobile Banking App | |
| Text Banking | |
| Digital Money Management | |
| Allpoint Fee-Free ATMs* | |
| Overdraft Protection Available | |
| ATM Refunds1 | No |
| Free Checks | No |
| Earns Interest2 | No |
| Account Statement Options | Paper or eStatement |
| Instant Loan Feature | No |
| Free Cashier's Checks | No |
| Monthly Fee | $0 |
| How to make this a Free Account: | Enroll in eStatements (Paper Statements are $3 per month) |
Great convenience. It is easy to pay my monthly bills online. I like the mobile app which makes it easy to check balance, deposit checks, make transfers between accounts, and review withdrawals.Terry, Customer for 28 Years
Banking by app has been a great experience. I am handicapped and unable to get out. Every time I call the office, I get excellent service.John, Customer for 24 Years
I keep saying over and over and over again. Great bank, great people, friendly, easy-to-use website. I wouldn’t bank anywhere else.Maher, Customer for 11 Years
Our team of dedicated professionals are here to support you.
Minimum opening deposit for Liv Simply or Liv Unlimited checking account is $50. A $40 fee will be charged when account is closed within 180 days after opening. *1) Our ATM fee is waived when using Non-Midland owned ATMs with unlimited fee reimbursement for Liv unlimited accounts. Non-Midland ATM fees still apply. Foreign ATM fees by ATM owners other than Midland States Bank will be charged as the fee occurs. 2) Minimum daily balance to earn interest is $0.01. Accrual of non-cash deposits - interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Your interest rate and annual percentage yield may change at any time. Personal Identity Protection and Cell Phone Protection are subject to additional terms and conditions.
*The Allpoint app can only be used on iPhone and Android devices. Message and data rates from your phone carrier may apply.
