Liv Rewarded Checking

Big shopper. Bigger saver.

Cucina Vita 15” Pizza Stone 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.

Cucina Vita 15” Pizza Stone Set

The Cucina Vita Pizza Stone comes as a large 15” diameter stone and that evenly distributes heat to serve up the perfect pizza. You can use this high quality pizza stone in your oven or outdoors with your grill. In addition to pizza, use this stone for heating up bread and rolls or whatever else your culinary creativity can dream up. Included with your pizza stone is a convenient wire serving rack and pizza cutter to complete your set.

Get your free Cucina Vita Pizza Stone Set when you open any new Midland personal checking account. Learn More

Midland debit card.

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.

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No atm fees.

ATM Refunds

Another bonus, your Liv Rewarded account comes with an added ATM benefit – refunds at non-Midland ATMs. We realize that from time-to-time when you travel, there may be times when you need to use a non-Midland ATM. Typically, we charge a fee for this convenience and so does the owner of the ATM you are using. One of the privileges of having a Midland Liv Rewarded account is that we will waive our fee for this service, up to $10 per month, which is five uses. However, we remind you that you are subject to any fee posted and charged by the ATM owner.

Your account comes with online tools.

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. Learn More

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. Learn More

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

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

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

Bazing shopping discounts.

BaZing Discounts

Add more value to your Liv Rewarded account with discounted offers from local, regional and national retailers. Need an oil change? Save with BaZing! Going out to dinner? Save with BaZing! Planning a vacation? Save with BaZing! Benefit from hundreds of merchants offering great discounts.

BaZing is easy to use. Get discounts directly sent to your email and visit the website to find offers. Narrow your search by finding local discounts within your zip code or take advantage of discounts from national retailers in-store and online. Click on the offer, read the details and save money.

In addition to regular retail store discounts, BaZing offers discounts on travel (hotels, rental cars and vacation packages) health (pharmacy, eye care and hearing), and dining. This can add up to a tremendous savings just by using BaZing.

Another benefit of BaZing is the popular cell phone protection. For many of us, the cell phone has become the life line to family, friends and colleagues. So how about a smart solution that includes repair or replacement of your cell phone if needed? It's just what you need to stay in touch. (Certain limitations apply.)

Trusted ID identity security.

Safety and Security

Identity Theft Protection

As a benefit of our Liv Rewarded account, you can protect your identity with a #1 rated Best-in-Class service (IDEssentials) through TrustedID® and $1,000,000 warranty protection. This service, which retails for $14.99 per month, is available to you at no cost with your Midland Liv Rewarded account.

IDEssentials™ makes it easy to protect yourself, by combining advanced credit monitoring services with comprehensive, proactive identity theft protection. IDEssentials helps stop identity theft before it happens. With daily credit monitoring to alert you to fraud, instant access to your credit report and score, an easy-to-understand Identity Threat Score™, medical benefits monitoring and scanning of black market Internet areas, you'll have the best comprehensive protection available for your identity and credit. And it is all backed by a $1,000,000 service warranty and On-Call Protection Specialists, so you can have peace of mind.

IDEssentials Features:

  • 3-Bureau Credit Monitoring
  • 3-Bureau Credit Report
  • 3-Bureau Credit Score
  • Identity Threat Score
  • Identity Scanning
  • Lost Wallet Protection
  • Fraud Alerts
  • Facebook Privacy Monitor
  • Anti-Phishing Protection
  • Spyware Protection
  • Medical Benefits Protection
  • Junk Mail Reduction
  • $1,000,000 Warranty Protection
  • On-Call Protection Specialists


Your information is everywhere these days. That's why TrustedID searches through millions of records on hundreds of public and private databases to locate all the information - personal, financial, credit and more - related to your identity.


Once TrustedID has gathered all your data, their system uses advanced technology - previously only available to the largest financial companies - to analyze patterns in your information that could indicate that you have been or are about to be a victim of identity theft.


If they determine that your identity is at risk, they will walk you through the process of protecting yourself and staying safe. And they regularly recalculate your Identity Threat Score so you'll always have an up-to-date understanding of your risk.


Only TrustedID offers you your Identity Threat Score - a personal measure of your risk of identity theft. This score gives you an easy-to-understand way to gauge your risk and take the necessary steps to ensure your security. Every time you log into your TrustedID account, you'll see a score 0 - 1000. The lower the score, the safer you are. If you see a high score, it means your identity may have been compromised. Don't worry - if that happens they will be ready to help you stop any potential theft.

$10,000 of Accidental Death Insurance

If nothing bad ever happened, no one would need insurance. Unfortunately, it does, and buying insurance always requires the contemplation of unhappy events. As the name implies, Accidental Death Insurance protects you from the unforeseen financial hardship of an accident that causes death. The plan provides worldwide coverage for you and any joint account holder.

Liv Rewarded has a monthly service charge of $6, which will be reduced by $0.25 for each Point-of-Sale (POS) swipe using the account's debit card. A total of 24 POS swipes per statement cycle would result in no monthly service charge for this account. 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. Retailers listed are not sponsors of this program or offer. Participating retailers are subject to change at any time and without notice. To activate IDEssentials, go to and login. Go to the Protection page and click on Activate Credit Monitoring. *Identity monitoring is provided at no cost to Liv Rewarded accountholders, but activation of the monitoring services is required to receive coverage. 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.