Savings accounts.

Save a little at a time and watch your money grow.

Saving made easy and rewarding.

A simple and straightforward way to save, our FlexSaver Account offers the perfect place to put that extra money you don't need in your checking account right now. Put aside a little bit every week and watch your savings grow. Over time, the little things really do add up.


Account Details
Monthly service charge

Avoid monthly service charge by keeping a $250 minimum daily balance or receive a monthly electronic deposit (we call it ACH) into this account.

Minimum daily balance to earn interest $25
Opening minimum balance $50

YouthSaver Savings

Account Details
Age requirement Under 18
Minimum to avoid monthly service charge $0
Monthly service charge $0
Minimum daily balance to earn interest $25
Opening minimum balance $5

What you get.

Unlimited Over-The-Counter and ATM Transactions

Enjoy free, unlimited access to your FlexSaver account when visiting any Midland States Bank branch or ATM. This includes deposits, withdrawals or transfers free of charge.

Debit Card Access

Your Midland Debit MasterCard gives you convenient, limited access to your FlexSaver account.

Learn more about Debit Card

Free Online Banking

Through our online banking service, you can move money between your FlexSaver account and your Midland checking accounts, savings accounts and loan accounts. In addition, you can stay close to your accounts and watch your balance grow.

Learn more about Online Banking

Free Mobile Banking with Alerts

Just like online banking, you can see your account information right from your mobile device in a secure manner. View, transfer and pay bills when you're on the go.

Learn more about Mobile Banking

Free Bank by Phone

Similar to our online banking access, you can check your balance, transfer money and more from your touch-tone phone.

Learn more about Bank by Phone

Overdraft Protection

Link your FlexSaver account to your Midland checking account and protect yourself against the unexpected overdraft. The transfer fee is substantially less than the nonsufficient funds fee.

FDIC Insured

Your FlexSaver account balance is insured by the FDIC up to the maximum coverage allowed. So rest assured that your savings are safe.

Learn more about FDIC Insured

Online or Paper Statements

Receive your statement monthly if combined with a Midland checking account or if you perform an electronic transaction during the month. Otherwise, you may select to receive your statement electronically or by mail on a quarterly basis.

Direct Deposit

For added convenience, you can elect to have your social security check, paycheck or other deposit electronically deposited into your FlexSaver account. Just check your deposit through Midland Online Banking service if you want to verify your deposit and save yourself a trip to the bank.

Some restrictions may apply. A minimum daily balance of $25 is required to obtain the disclosed Annual Percentage Yield (APY). A $30 fee will be charged when account is closed within 180 days after opening. Accrual of interest on noncash deposits will begin no later than the business day Midland States Bank receives credit for the deposit of noncash items (for example, checks). "Convenient" transfers from a Midland States Bank Money Market Account or Savings Account are limited to six per monthly statement cycle. Convenient transactions include: Electronic checks, drafts, debit card PIN or POS and similar other third party, ACH debits and credits, PC banking, telephone banking, mobile banking, wire transfers, and sweep transfers. There are no limits to the number of transfers from checking or savings to a loan at our bank. A transaction fee of $15 will be charged for each debit transaction in excess of six during a monthly statement cycle. Fees could reduce earnings.