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LIMITED-TIME OFFER

with a Liv Checking Account!*

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Earning up to $250 with a new Liv Checking Account is as easy as...

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1. Deposit $1,500 via Direct Deposit

Receive $150

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2. Complete 20 Debit Card Transactions

Receive $70

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3. Sign up for e-Statements

Receive $30

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Choose your Liv Checking Account to get started:

Liv™ Simply1

A simple, straightforward checking account.

Open Account Online  Use Code: CHECK250

Open at a Branch - Download Coupon 

 

Choose Liv™ Simply and take advantage of:
 

  • A free account with eStatements
  • No monthly minimum balance requirements
  • Instant issue debit cards
  • Online, Mobile & Text Banking
  • Online Bill pay
  • 55,000 Surcharge-free ATMs3

Learn More 

Liv™ Unlimited2

Experience truly unlimited features with this premium checking account.

Open Account Online  Use Code: CHECK250

Open at a Branch - Download Coupon 

 

Choose Liv™ Unlimited and take advantage of:
 

  • A free account with a daily balance of $5,000 or more
  • No monthly minimum balance requirements
  • Instant issue debit cards
  • Online, Mobile & Text Banking
  • Online Bill pay
  • 55,000 Surcharge-free ATMs3
  • Unlimited ATM Refunds
  • Free Checks
  • Interest Earning

Learn More 

branch graphicOpen at a Branch

If you prefer to open an account at your favorite location, bring this coupon with you.

Get Coupon 

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Bank with Convenience

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Online, Mobile & Text Banking

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

 

 

 

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Your Midland Branch

With over 50 locations in Illinois and Missouri, we make it easy to find a branch near you for in-person service. Plus, save time by scheduling an appointment.

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Fee-Free ATM Network

As a Midland customer, you have access to more than 55,000 surcharge-free ATMs, so cash is never far away.

 

 

 

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Instant Issue Debit Cards

If you ever lose or accidentally damage your debit card, a new one can be printed right away in any of our branches.

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Our full suite of digital services lets you bank on your terms.

Online Banking

Make managing your money simple.

Enroll in Online Banking

 

 

Mobile Wallet

Skip the card. Pay with your iPhone.

Watch the Tutorial  Learn More

 

 

MyCardRules

Take full control of your debit card.

Watch the Tutorial  Learn More

Smartwatch Banking

Take your finances wherever you go.

Watch the Tutorial  Learn More

 

 

Money Management Tools

Set up budgets and link external accounts for a single view.

Watch the Tutorial

 

 

Alexa Voice Banking

Manage your accounts with just your voice.

Watch the Tutorial  Learn More

Zelle

Send, receive, and request cash.

Learn More

 

 

Enabling E-Statements

Get rid of annoying paper statements.

Watch the Tutorial

 

 

Mobile Check Deposit

Deposit your checks fast and easy from your phone.

Watch the Tutorial  Learn More

 

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Safety and Security with Midland

FDIC Insured
When you deposit funds into a Liv Checking Account at Midland States Bank, you'll be able to experience peace of mind knowing your account is insured by the FDIC up to the maximum coverage allowed.

Fraud Monitoring
Have peace of mind knowing that we offer 24/7 fraud monitoring should you ever need to review suspicious account activity or need assistance with fraud recovery.

Card Controls
From the convenience of a mobile app, you can:

  • Turn your debit card off immediately if it is ever lost, stolen or misplaced.
  • Set a specific region where the card can be used or restrict usage based on your mobile device’s location
  • Set instant alerts for transactions
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We're dedicated to you and the communities you live in.

  • $30 million invested toward community development goals
  • $1,150,000+ donated to non-profit organizations throughout our footprint.
  • $877 million of financing provided for 148 affordable multi-family and health care projects since 2015.
  • $31 million of loans made to families underserved by traditional loan programs.

Not only we're we one of the first banks in the nation to have a woman on its board (1903), but also our board composition includes 40% women and minorities.

Frequently Asked Questions

With a personal checking account, you'll be able to track your spending, pay bills and have your paychecks deposited right into your account. Monitor your account 24/7 and experience peace of mind knowing your funds are protected.

To open an account with us in person or online, you'll need to provide some key details:

  • Your personal and contact information
  • Your U.S. address
  • Your social security number or employer identification number

You'll also need to be 18 years old with a government-issued ID.

When opening an account online, simply choose the type of customer you are - existing or new - and the type of account, and you'll be good to go.

When you open one of our personal checking accounts, you'll receive our standard Courtesy Overdraft Program or choose one of our other options. We can help you determine which option is best for you depending on your needs.

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*Offer ends January 31, 2023. In order to be eligible for this limited-time offer, you must be 18 years or older and apply online or in-person using the code: Check250. Limit of 1 per person. Checking offer is not available to existing personal checking account holders. New customers may earn up to $250 on personal checking accounts LivTM Simply, LivTM Rewarded, and LivTM Unlimited if the following qualifications are completed within 90 days of opening account: direct deposits via ACH totaling $1500 will receive $150, 20 debit posted card transactions within 90 days (excluding ATM transactions) will receive $70, and E-Statements enrollment receives $30. Incentive is considered interest, producing a 1099-INT form. Minimum opening balance for Liv Checking Accounts is $50. If the account is closed by you or Midland States Bank within 180 days after opening, you will forfeit the offer and be subject to an account closing fee. After you have completed the above requirements, the offer will be deposited into your new account within 30 business days. Contact us for additional details. Member FDIC.

1 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. 2 Liv Unlimited has no monthly service charge when a minimum daily balance of $5,000 or more is maintained. Otherwise, a $10 monthly service charge will apply. A $40 fee will be charged when account is closed within 180 days after opening. Concerning Interest Bearing Accounts: Minimum daily balance to earn interest is $0.01. Accrual of non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Your interest rate and annual percentage yield may change at any time. Foreign ATM fees by ATM owners other than Midland States Bank will be charged as the fee occurs. Participating retailers are subject to change at any time and without notice. 3You’re subject to any fee posted and charged by any foreign ATM owner.