Business Support & Customer Service
How can we assist your business banking needs?
Customer Care Hours (CT)
Mon-Fri: 7:00 AM - 9:00 PM
Sat: 9:00 AM - 5:00 PM
Closed Sun & Federal Holidays
Midland States Bank
Customer Care Center
1201 Network Centre Drive
Effingham, IL 62401
* Investment products are not insured by the FDIC; are not deposits; and may lose value.
| Service | Cut-off Time |
|---|---|
| ACH (Standard) | 6:00 pm |
| Same Day ACH | 11:45 am and 1:00 pm |
| Prefunded ACH | 6:00 pm |
| Bill Payment* | 3:00 pm |
| Loan Advances and Payments* | 10:00 pm (internal accounts) 4:30 pm (external accounts) |
| ACH Positive Pay Decisions | 1:00 pm |
| Check Positive Pay Decisions | 1:00 pm |
| Positive Pay Check Issue File | 6:00 pm |
| Remote Deposit Capture (desktop scanners)* | 6:00 pm |
| Mobile Deposit Capture | 6:00 pm |
| Stop Payment | 10:00 pm |
| Transfers (Internal)* | 10:00 pm |
| Wire Transfers (Domestic) | 4:00 pm |
| Wire Transfers (International) ** | 3:30 pm and 4:00 pm |
*Bill Payment, Loan Advances, Loan Payments, Remote Deposits and Transfers (Internal) made after the cutoff time may be processed the next business day.
**International Wires are recommended to be sent prior to 3:30 PM to prevent delays in processing.
Download Our 2025 ACH Holiday Schedule
*NOTE: Files received after 11:30 am on Christmas Eve will not be processed until the next Business Day, Friday, December 26th. The earliest Effective Date for files processed after 11:30 am on Christmas Eve is Monday, December 29th.
Our team of dedicated professionals are here to support you.
