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Personal Checking

We all have to spend our hard-earned cash on everyday necessities. 
So why not score some discounts while we’re at it?


With Liv Rewarded, you can always expect:

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Online, Mobile & Text Banking


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Debit Card



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Discounts Delivered Directly To Your Smartphone

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Bill Pay and E-Statements


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Instant Issue Debit Cards



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Up to $400 in Annual Smartphone Protection1

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Surcharge-free ATMs



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Identity Theft Assistance

per month
Minimum opening balance $50
Minimum monthly balance requirement $0
Monthly service charge $6


Want to reduce your service charge? Easy.
Use your debit card to pay for purchases and cut your $6 fee by 25 cents with each swipe.*

(Get that maintenance fee to ZERO—swipe your debit card 24 times during the monthly statement cycle.)*


Liv Rewarded—and its BaZing mobile app—offers you all kinds of ways to save green.

Getting an oil change? Save with BaZing. Ordering pizza after a hectic day? Save with BaZing. Taking a weekend trip? You guessed it. And, BaZing offers added savings and protection tools. When you pay your cell phone bill from your Midland account, your cell phone has added cell phone protection coverage. Cell phone, accidental travel insurance, roadside assistance, health savings cards and more!

Learn more about BaZing


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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 $40 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. Learn more about BaZing benefits at Bank rules and regulations apply. 1ATM transactions are excluded. 1BaZing services are subject to limitations, restrictions, terms, and conditions and may involve additional costs such as co-pay for Cell Phone Protection and monthly cell phone service payment from a qualified Liv account.  Learn more about BaZing benefits at  

*ATM transactions do not qualify as a purchase item