Checking for Your Brightest Moments
We like to help you keep more of what's yours by including free digital banking, free eStatements, and free bill pay with every new checking account.
Enter to Win $500
Open a checking account within the promotional period¹ and you'll be automatically entered for a chance to win $500.
| Feature | Totally Free Checking | 50+ Interest Checking | Direct Interest Checking | High Yield Checking |
|---|---|---|---|---|
| Minimum Opening Balance | $50 | $50 | $50 | $50 |
| Monthly Service Charge | $0 | $0 | $0 | $0 or $10 |
| Minimum Balance to Earn Interest | N/A | $0.01 & up | $0.01 & up | $0.01 - $1,499.99 |
| Balance to Earn Premium Interest | N/A | N/A | N/A | $1,500 & up |
| Free Standard Checks | N/A | 1 Box Annually | N/A | Unlimited Free Checks |
| Key Features & Benefits |
|
|
|
|
| Minimum Opening Balance | $50 |
|---|---|
| Monthly Service Charge | $0 |
| Minimum Balance to Earn Interest | N/A |
| Balance to Earn Premium Interest | N/A |
| Free Standard Checks | N/A |
| Key Features & Benefits |
|
| Minimum Opening Balance | $50 |
|---|---|
| Monthly Service Charge | $0 |
| Minimum Balance to Earn Interest | $0.01 & up |
| Balance to Earn Premium Interest | N/A |
| Free Standard Checks | N/A |
| Key Features & Benefits |
|
| Minimum Opening Balance | $50 |
|---|---|
| Monthly Service Charge | $0 or $10 |
| Minimum Balance to Earn Interest | $0.01 - $1,499.99 |
| Balance to Earn Premium Interest | $1,500 & up |
| Free Standard Checks | Unlimited Free Checks |
| Key Features & Benefits |
|
| Minimum Opening Balance | $50 |
|---|---|
| Monthly Service Charge | $0 |
| Minimum Balance to Earn Interest | $0.01 & up |
| Balance to Earn Premium Interest | N/A |
| Free Standard Checks | 1 Box Annually |
| Key Features & Benefits |
|
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
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
Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for details. Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Any offered gifts, sweepstakes winnings, or rewards may be reported on a 1099-INT or 1099-MISC. $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented.
¹For promotional offer: Entrants must be 18 years of age or older. Limit one entry per person. Midland States Bank employees and their immediate families are not eligible to win. Entries accepted 2/24/25-4/4/25. Winners will be notified and bonus will be provided within 30 days of promotion completion. *Customers who open a qualifying checking account (Totally Free Checking, Direct Interest Checking, 50+ Interest Checking, High Yield Checking, Totally Free Business Checking, and Business Interest Checking) during the promotional period will be automatically entered. No purchase necessary to win and will not increase your chances to win. To enter without opening a qualifying account, visit any participating Midland location. $500 will be awarded to one retail winner and one business winner at each branch, including our online branch. No cash equivalent, substitution, or transfer of prize permitted. Winner of the prize will be issued a 1099-INT or 1099-MISC. For a copy of the official rules or to enter without a qualifying account, visit any participating location.
Our team of dedicated professionals are here to support you.
