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Life Moves in Moments

Some moments catch us by surprise. And others? We’re prepared for.

At Midland, we believe in planning with purpose. We help you stay focused on what matters – now and in the years to come.

Let’s make your future brighter together.

You might say we're unlike any other bank. And you'd be right.

Working with Lynette has been a highlight of our banking experience. She is not only knowledgeable but also incredibly supportive and responsive, making our interactions smooth and efficient. Her dedication to understanding our needs has truly made a difference. As for the products and services, we have found them to be comprehensive and user-friendly.
Two friends smiling while having a drink

Banking's Better with Friends

Refer A Friend & Earn Up to $500

  1. Share your unique link via text, email, or social media.
  2. Your friend opens a qualifying checking account and keeps it for 90 days.
  3. You both get $50! Keep sharing to keep earning up to $500.2

Empowering Your Business to Grow

Your vision drives your business. Whether you're an entrepreneur starting out or looking to expand your small business, our financial solutions are here to fuel your journey at every stage, helping you start strong and grow confidently. Are you ready to take the next step?

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Find What You Need Online

Prefer Personal Assistance?

Our team of dedicated banking professionals are here to support you.

Equity: AI Holds Center Stage Artificial intelligence continues to drive market performance as leadership broadens beyond mega-cap technology. Jake Stapleton, MBA, and Hunter Bukowy explain why the next phase of AI investing will depend less on promise and more on execution.
Fixed Income: Long-Term Yields & Active Management Higher Treasury yields and record AI-related bond issuance are reshaping fixed income markets. Nicholas Hinkebein, CFA, CFP®, explores why active management and disciplined security selection are becoming increasingly important.
Global Economy: Geopolitics, Fragmentation & Selectivity Geopolitical tensions and shifting supply chains are reshaping global trade and investment. Ryan Lange, CFA, CAIA, and Aakaash Raja examine why a more fragmented world may require a more selective approach to diversification and portfolio positioning.
Payments Insider 2nd Quarter 2026 In this issue, we explore the following topics: The ACH Fraud Monitoring Rules Are Now Effective; Understanding ACH Agreements: What Businesses Need to Know; Instant Payments Are Becoming a Business Tool, Not Just a Faster Way to Move Money; and Understanding Double-Sided Spoofing: A Growing Fraud Threat.

¹ This promotion is valid from August 3, 2026 through September 30, 2026 for customers who open a qualifying consumer checking account online or at a participating Midland States Bank branch. Promo code BANKGIFT must be provided at account opening. Accounts opened between August 3 and August 21, 2026, and between August 29 and September 30, 2026, will receive a $25 eGift card. Accounts opened during the promotional week of August 22 through August 28, 2026, will receive a $100 eGift card. Limit one eGift card per person during the promotion period, regardless of the number of accounts opened. Joint accounts are eligible for one eGift card total, not one per account holder. Bank rules and regulations apply. The eGift card will be provided electronically within two business days after account opening. Gift may be reported on a Form 1099-INT or 1099-MISC.

The minimum balance required to open the account and obtain the bonus is $50. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for complete details.

2 Referrers get $50 for each successful referral leading to a new checking account opening during the Promotion Period, with a maximum earning of $500 per calendar year through Midland’s referral programs. To qualify, the Friend must open a new personal checking account during the promotion, and within 30 days of receiving the referral link. They cannot be a current primary checking account holder at Midland. Minimum opening deposit for a Checking account is $50. The account must remain open and active for 90 days to qualify. The $50 bonus is deposited into both the Friend’s and Referrer’s accounts within 30 business days of meeting requirements.