Liv unlimited interest checking.

Liv unlimited with everything we've got.

Overland Travelware Duffle Bag

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.

Gibson Home Colorsplash Stock Pot

Stir up your favorite stews, soups and pastas in this large 7.5 quart stock pot from Gibson Home. This versatile enamel cookware is made from durable carbon steel and comes with a functional vented lid. The interior is made of non-stick steel for easy cleaning and has stainless steel hollow handles to keep it lightweight. Available in four bright colors – red, blue, yellow or green (while supplies last).

Get your free Gibson Home Colorsplash 7.5 Quart Stock Pot when you open any new Midland personal checking account. Learn More

Unlimited free checks.

Free Checks

With Liv Unlimited, your personalized checks come free - unlimited. We will order you our standard Liv Unlimited checks whenever you need them - at no cost. If you prefer a specialty check, we can offer you that style at a 50% discount off our regular price. Anytime you run out of checks, you can order more by phone, online or the next time you're visiting any of our banking centers.

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 Unlimited 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 protection.

Safety and Security

Identity Theft Protection

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

Midland debit card.

Interest and More

Another perk that you get from your Liv Unlimited account is interest. You don't have to move excess money in your checking to a savings account to earn interest. Every dollar you keep in your Liv Unlimited account earns interest. The interest rate will vary based on how much you keep in your account. Interest begins to accrue on the business day we receive credit for the deposit of noncash items, for example, checks. So, get the most out of your account by earning money on your money.

Debit Card Access

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 swipe to pay 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

ATM Refunds

Your Liv Unlimited 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 Liv Unlimited account is that we will waive our fee for this service, up to as many times as you use non-Midland ATMs. However, we remind you that you are subject to any fee posted and charged by the ATM owner.

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 $30 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. 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 Unlimited 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.