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Public Funds

Plus earn a competitive return for your organization’s funds.

Money market accounts not only provide flexibility and convenience, they can help you build a buffer for unplanned expenses or to save for specific purchases.



  • Minimum opening balance varies
  • Earns interest
  • Service charges don’t apply
  • Regulation D limits apply
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Access to funds means your money’s available anytime, unlike other types of investment tools such as CDs

Should you need the money, your money market account gives you flexibility unlike regular savings accounts

Your account will earn interest at an agreed-upon rate between your organization and Midland, in certain situations; otherwise, the rates are tiered and based on balance

Treasury Services are priced separately and based on a service agreement. Contact a Treasury Services Manager for pricing. A $40 fee will be charged when account is closed within 180 days after opening. Minimum daily balance to earn interest is $0.01. Your interest rate may change at any time at our discretion. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. Regulation D limits certain types of withdrawals and transfers from a savings or money market account to a total of six (6) per monthly statement period. Unlimited items: Withdrawals or transfers are unlimited and will not be subject to the Excess item fee when made in person at a Midland States Bank location, at an ATM, by messenger, or by mailing a request or speaking to a telephone representative to have a check made payable to you and mailed to you. Transfers to repay loans at Midland States Bank are also unlimited. Items are limited to six (6) transactions per statement period. An Excess item is a transaction over the six (6) transaction limitation. The following are examples of transactions subject to the limitation: Transfers by phone, using automated banking service or speaking with a banker on the phone; transfers or payments through online, mobile and text banking (including bill payments to third parties such as checks, drafts, or similar other transactions counted when they are posted to the account and not when they are written); debit or ATM card purchases that post to the account. The fee per Excess item is $15. Fees could reduce earnings. 

1 A monthly maintenance fee is charged to your analysis checking.

2 Treasury Services are priced separately and based on a service agreement. Loan Sweeps, Consolidated Sweeps are additional services priced separately. Contact a Treasury Services Manager for pricing.


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