A Free Checking Account for Everyone
When checking is simple, there's more time for moments that shine.
No minimum balance
No monthly service charge
Free digital banking
Free paper or eStatements
Free bill pay
Every new checking account includes a free Mastercard® debit card that includes features including but not limited to*:
Need a new debit card fast? Get a replacement instantly at any Midland location—whether it’s lost, damaged, or you just need one right away
With integrated card controls, you decide when, where and who uses your cards. Turn your cards on or off, set spending limits and get alerts, all from your mobile device.
Checking accounts are insured by the FDIC up to the maximum coverage allowed.
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 | 1 Box Annually |
| 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 |
|
The people there go well beyond the call of duty to help!Anthony, Customer for 23 Years
Easy online banking app. No need to go to a branch to deposit checks anymore.Angela, Customer for 8 Years
The app is very user friendly and easy to get simple banking done. Also the fraud alert texts and calls are the most amazing feature of your bank!Kyle, Customer for 18 Years
Make the simple switch today. Enjoy the rewards tomorrow.
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.
*Certain terms, conditions, and exclusions apply. See your Guide to Benefits for more information. All benefits provide secondary coverage only. Not available for Health Savings Debit Cards.
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.
²Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only.
Our team of dedicated professionals are here to support you.
