Liv Free Free Checking

Say goodbye to fees and Liv free with Midland's Free Checking Account

Calypso Basics™ Microwave Cookware and Storage Set

Free Gift

Get more than just a great checking account from Midland, get this free gift as our way of saying "thanks". Your gift is ready and waiting for you to take home the day you open your new Midland checking account.

Calypso Basics™ Microwave Cookware and Storage Set

What better gift than one that can be the next kitchen essential. The Calypso Basics™ Microwave Cookware and Storage Set comes as a set of three different sizes with air-tight lids and a built in steamer. The containers are microwave, dishwasher and freezer safe and are great to make small meals in as well as serve and store away. Get cooking today with your FREE Calypso Basics™ Microwave Cookware and Storage Set when you open any new Midland personal checking account.

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No monthly fees.

Fee Free

It feels good to be free. No worries about minimum balances to maintain, check writing limits or monthly service charges.

Our Liv™ Free account is the perfect free account that works for everyone – from a student managing their first account to a busy mom or dad trying to juggle their kids' activities.

We want you to have the freedom to manage your account the way you manage your life. So, if you are the type of person who utilizes the convenience of online bill pay, writes a lot of checks or just uses your debit card for everything – Liv Free works for you. Our Liv accounts are designed with the flexibility and tools around the way you Liv! And we do all this without charging a monthly service charge.

Enjoy unlimited access.

Free Access

Your money is available to you 24/7 with convenient tools such as personalized checks, a debit card, convenient ATMs, Online Banking with Bill Paying, Mobile Banking and Text Banking. So whether you write, swipe or click, your money is conveniently at your fingertips.

As a helpful tip, another way to get cash when you need it is using the "cash back" feature at merchant locations. Just ask the cashier if you can get "cash back" before you pay for your purchase using your Midland Debit Card. There is no fee for this convenience and it will help you avoid paying a usage fee for another bank's ATM.

Your account comes with online tools.

Free Online Tools

This account comes loaded with convenient tools to access your money and your account information whenever and wherever you want.

Online Banking with FinanceWorks™

Managing your money is not always so easy. Keeping track of every merchant transaction, ATM withdrawal and deposit can be difficult without the help of Midland Online Banking. Our online banking service offers you the flexibility to perform your banking functions 24 hours a day from nearly anywhere you go. We'll even include FinanceWorks™, a convenient tool to help you manage your finances better, at no charge.

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Online Bill Payment

You can keep your statements more secure and your home office less cluttered by viewing, paying and managing your bills online. With free bill presentment, an electronic copy of your bill (an e-bill) is displayed within your Midland Online Banking account. E-bills are available from hundreds of national merchants and service providers. It's just another way to simplify your life.

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Online Statements and Check Images

If you want to reduce paper clutter even more, elect to receive your monthly checking statement online. By turning off your paper statement, you reduce the risk of identity theft by having your personal information stolen from your mail box. In addition, you will receive your statement faster online.

Mobile Banking App

We have upgraded our mobile banking experience. It’s now available in an easy to use app for your smartphone or tablet. The app is free*, secure and helps you manage your accounts anywhere and anytime you want. Within minutes, you can view recent purchases and deposits, make transfers, view check images, check loan accounts and make a loan payment. You can even pay your bills and earn cash back by selecting debit card offers through the app. It’s all so simple and quick.

Learn more about Mobile Banking

Mobile Text Banking

Access your Liv Free account anywhere, anytime by using a text message enabled phone. It's a fast, free* and secure way to get account information when and where you want.

Learn more about Text Banking

Bank by Phone

We offer yet another way to access your account for free. When using our 24 hour Bank by Phone, you can perform routine transactions such as balance inquiries, balance transfers, loan payment transfers and statement reconciliation. You can quickly and easily access authorized accounts and conduct transactions from any location.

Learn more about Bank by Phone

Midland Debit Card.

Free Debit Card

Midland's Debit MasterCard works like a check, only better. When you make purchases, the amount is deducted directly from your checking account – but you also enjoy added convenience and security protections. Just use your debit card when you are ready to pay. It works fast, so there's no need to write checks or fumble for change. Plus, you'll save on trips to the ATM and can leave your checkbook at home.

When you sign for your purchases, your money comes directly from your checking account, but you also get security protections that help prevent, detect and resolve fraud.

Learn more about Debit Card

Some restrictions may apply. A $30 fee will be charged when account is closed within 180 days after opening. Foreign ATM fees by ATM owners other than Midland States Bank will be charged as the fee occurs. Free gift offer good on new personal checking accounts only. Gift is awarded when account is opened. We reserve the right to substitute a gift of similar value. Limit one free gift per household. Bank rules and regulations apply. Minimum opening deposit for personal checking account is $50.