Personal Checking

From mobile data to movie popcorn. Some things are meant to be unlimited.
The same goes for your checking.

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Unlimited checks
and check writing.

Order the standard Liv Unlimited checks by phone, online or in person at no cost. Get as many as you need and write as many as you need.


Unlimited waived
ATM fees.

Typically, we charge a fee for this convenience (and so does the owner of the ATM you’re using). With Liv Unlimited, we waive our fee—as many times as you use non-Midland ATMs.* The result is more money in your pocket.

*You’re subject to any fee posted and charged by any foreign ATM owner.
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Unlimited saving
powered by BaZing™.

Whether it’s everyday expenses like dinner, groceries, entertainment, or online purchases like plane tickets, hotels or even medicine, you’ll save big with the BaZing app. Best of all, BaZing delivers the savings directly to your smartphone. Learn more about BaZing

Learn more about BaZing

per month
Minimum Opening Balance $50
Minimum monthly balance requirement $0
Monthly service fee $10


Knock your monthly service charge down to $0 when you have a daily balance of $5,000 or more.

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With Midland checking, you can always expect:

  • Discounts delivered directly to your smartphone
  • Online, mobile & text banking
  • Bill pay
  • Debit card
  • Up to $400 in annual smartphone protection1
  • Identity theft assistance

Liv Unlimited has no monthly service charge when a minimum daily balance of $5,000 or more is maintained. Otherwise, a $10 monthly service charge will apply. A $40 fee will be charged when account is closed within 180 days after opening. Concerning Interest Bearing Accounts: Minimum daily balance to earn interest is $0.01. Accrual of non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Your interest rate and annual percentage yield may change at any time. Foreign ATM fees by ATM owners other than Midland States Bank will be charged as the fee occurs. Participating retailers are subject to change at any time and without notice. Learn more about BaZing benefits at Bank rules and regulations apply. 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