Bank By Phone

Let your fingers do your banking.

Monitor Accounts

Bank by Phone is free, secure and helps you manage your accounts anywhere and anytime you want through the use of any touchtone phone. By having 24/7/365 access, this handy tool is invaluable when you are not near your computer or without your smart phone.

With Bank by Phone you can access your account information and perform various functions such as transfering money between accounts. So, no matter where you are - work, vacation or at home - you can remain close to your money.

By following the voice prompts, you will be able to navigate our Bank by Phone service effortlessly and you may select your voice prompts to be presented in English or Spanish. Bank by Phone offers you the ability get information on your checking, savings, money market, CD, IRA and loan accounts.

Checking, Money Market and Savings Accounts:

  • Balance inquiry
  • Cleared check inquiry (by check # or by dollar value)
  • Transfer funds between Midland States Bank accounts
  • Inquiry on ATM and Debit Card transactions
  • Inquiry on interest paid amounts
  • Inquiry on future scheduled ACH transactions

CD and IRA Accounts:

  • Balance inquiry
  • Interest paid (year-to-date and prior year-to-date)
  • Maturity date
  • Transaction history

Loan Accounts:

  • Balance inquiry
  • Inquiry on last payment made (date and amount)
  • Next payment (date and amount)
  • Payoff balance
  • Interest rates
  • Make a loan payment


  • Merchant verification services
  • Automated Debit Card activation/deactivation
  • Automated Debit Card replacement
  • Stop payment requests
  • Inquiry on a bank location
  • Inquiry on rate information
  • Order checks


Bank by Phone requires each user to have a private Personal Identification Number (PIN) that should be known to no one but yourself. All that is required when you call into our Bank by Phone system is to enter your PIN. Once done successfully, you will have full functionality of the system.

If you are a first time caller, you will be prompted by the system to change your Bank by Phone PIN to one of your choice, only after you've been successfully identified by the system. We request you change your PIN accordingly, to ensure that your account information is not available to anyone but you. In addition, you are free to change your PIN at any time in the future.

If you have forgotten your PIN, or you have never registered for Bank by Phone, please contact our Customer Care Center to request your PIN. Once we authenticate your identity, we will enable your access to the system.