Woman checking her balance on her phone
Personal Savings

The FlexSaver account is the perfect place to get started.
Park extra cash for those rainy days, save it for the beach or sock it away for emergencies.

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Light Grey

The proof’s in the numbers.

Deposit as little as $100 each month and watch your savings grow, even after a short time.

Starting balance: $50
Year 1: $2,200
Year 2: $3,400
Year 3: $4,600      
Year 4: $5,800  
Year 5: $7,000

growing-investments
$3
per month
Minimum opening balance $50
Minimum daily balance to earn interest $25
Monthly service charge $3

 

Knock your service charge down to $0.
Keep a minimum daily balance of $250 or receive a monthly electronic deposit (known as ACH) into this account.

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Features and Benefits

Automatic savings

Set up automated weekly, bi-weekly or monthly transfers from your Midland checking account.

Convenient access

Get free, unlimited access to your account when you visit any Midland States Bank branch or ATM. This includes deposits, withdrawals or transfers.

Overdraft protection

Link your FlexSaver account to your Midland checking account and protect yourself against unexpected overdrafts.

With Midland FlexSaver, you can always expect:

  • FDIC insured up to the maximum coverage allowed. 
  • Free online, mobile and touch-tone phone banking

Some restrictions may apply. A minimum daily balance of $25 is required to obtain the disclosed Annual Percentage Yield (APY). A $40 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 transactions (excluding ATM transactions) or POS transactions 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.