Liv Simply Checking

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With This Account, You'll Get:

Online & Mobile Banking
Access the tools you need to manage your finances at anytime, anywhere, on the device of your choice.
Surcharge-Free ATMs
Surcharge-free ATM access for your convenience and peace of mind.
Instant Issue Debit Cards
Lost or stolen debit card? Come into any branch, and we will print a new one for you instantly.

Key Features & Benefits

Online, Mobile & Text Banking

Manage accounts, transfer funds, pay bills or deposit checks 24/7 using your smartphone, computer, or tablet. Learn more.

Fee-Free ATMs

You have access to the Allpoint ATM Network, which provides more than 55,000 surcharge-free ATMs, so cash is never far away.

Overdraft Protection

Your Midland checking account gives you access to several types of overdraft protection tools.

Instant Debit Card Replacement & Easy Digital Payments

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.

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Liv Simply Account Details

$50 minimum opening balance
$0 minimum monthly balance requirement
$0 monthly service charge
Monthly Statements Choose which type of statement you prefer to receive: Mailed Paper Statements: $3
or Electronic Statements (eStatement): $0

Which Account Fits You Best?

	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

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
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.

Liv Unlimited

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)

Open a Liv Simply Checking Account

1. Have Your Information Ready You'll need personal and contact info, a U.S. address, your SSN, and be 18+ with a government-issued ID.

2. Apply Online Complete an online application in about 10 minutes.

3. Enjoy Your Account Get started with your new checking account, whether you're at home or on the go.

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Don’t Just Take Our Word for It – Hear from Our Customers

They always are friendly and helpful. I like the online banking and how easy it is to transfer money from savings to checking.

Theresa, Customer for 20 Years

I have banked with you since 1970, and have always been pleased with you. Anytime I have had a question, you have helped me. Thanks.

Shirley, Customer for 30+ Years

Your responses are quick and polite. You make banking understandable and easy.

David, Customer for 9 Years

Frequently Asked Questions

Are there any monthly maintenance fees?

There is no monthly maintenance fee with Liv Simply. However, the account does offer a choice for your monthly account statement. If you wish to receive paper statements, there is a $3 monthly statement fee. There is no statement fee if you enroll in e-statements (electronic statements).

Are there limits on how many transfers I can do in a month?

Nope! You can access your account as frequently as you would like.

How do I order checks?

You can order checks in a branch or online.

Is my money insured in a Liv Simply Checking Account?

Yes, deposits in our Liv Simply Checking Account are insured by the FDIC up to $250,000 per depositor, per bank.

Can I add my spouse to my Midland checking account?

Yes, any of our checking accounts can be joint checking accounts. You can share your account by enrolling a spouse or family member to your account during account opening or after the account is established. All account holders can deposit and withdraw money, write checks, and manage the account together. It makes managing shared finances easier and more convenient.

Does this account offer overdraft protection?

Yes, when you open a Midland checking account, you'll have access to several types of overdraft protection tools. Upon opening an account, we automatically enroll you in Courtesy Overdraft Coverage, but you can also choose additional overdraft services.

How do I enroll in online banking?

After opening your account, you can sign up for online banking on our website or by downloading our mobile app from the Apple App Store or Google Play. Once downloaded, simply click "Sign-Up" in the bottom left corner of the app.

Some restrictions may apply. A $40 fee will be charged when account is closed within 180 days after opening. Foreign ATM fees by ATM owners other than Midland States Bank will be charged as the fee occurs. Bank rules and regulations apply. Applicable carrier data and message rates apply. 

Prefer Personal Assistance?

Our team of dedicated professionals are here to support you.

Welcome to Midland! How can we help you today?

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