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Getting Started

Unsure which account aligns with your needs? Take this short quiz to explore your options.

 

Checking Accounts

Totally Free Checking

  • No minimum balance
  • No monthly service charge
Feature: A free account for everyone
Open Account

Direct Interest Checking

  • Competitive interest
  • No minimum balance
  • No monthly service charge
Feature: Earn interest with the convenience of direct deposit or any automatic payment
Open Account

High Yield Checking

  • Free standard checks
  • Competitive interest if balance falls below $1,500
  • Only $10 monthly charge if minimum balance falls below $1,500
Feature: Higher interest rate with a balance of $1,500 or more
Open Account

50+ Interest Checking

  • Free standard checks - one box annually
  • Competitive interest
  • No minimum balance
  • No monthly service charge
Feature: A great option for customers 50 and better
Open Account

Savings Accounts

FlexSaver Savings

  • A savings account built to support your financial goals now and in the future. Get started saving and earning interest today.
Monthly Maintenance Fee
$3 or $0*
Open in Minutes

Money Market

  • An account that earns interest like a savings account and acts like a checking account with easy debit card access.
Monthly Maintenance Fee
$15 or $0*
Open in Minutes

Health Savings Account

  • Pay for qualified health care expenses with pre-tax contributions through a Midland Health Savings Account, powered by Lively.
Monthly Maintenance Fee
$0
Open in Minutes

Certificates of Deposit (CDs)

6-Month CD

  • Take advantage of great rates and guaranteed returns today. Maximize your earnings with interest that is compounded daily.

 

Monthly Maintenance Fee
$0
Open in Minutes

12-Month CD

  • Take advantage of great rates and guaranteed returns today. Maximize your earnings with interest that is compounded daily.
Monthly Maintenance Fee
$0
Open in Minutes

24-Month CD

  • Take advantage of great rates and guaranteed returns today. Maximize your earnings with interest that is compounded daily.
Monthly Maintenance Fee
$0
Open in Minutes

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. 

*Money Markets are paid with interest beginning to accrue no later than the business day we receive credit for the deposit of the noncash items (for example, checks.) Minimum balance to open a Money Market Account is $2,500 and the minimum daily balance to obtain the disclosed APY is $2,500. Fees could reduce earnings. Your interest rate may change at any time and without notice. This offer may end at any time and without notice. This special is available for personal accounts only.

*Personal savings account - Knock your monthly maintenance fee down to $0 when you keep a minimum daily balance of $250 or receive a monthly electronic deposit (known as ACH) into this account. Otherwise, $3.

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