With Midland, you enjoy the convenience of opening a consumer checking, savings, money market or certificate of deposit in about 10 minutes.

For business accounts, visit business online account opening.

*Liv Simply is $0 with electronic statements or $3 per month with paper statements.

*Liv Unlimited is $0 per month when you have a daily balance of $5,000 or more. Otherwise, $10.Minimum opening deposit for personal checking account is $50. A $40 fee will be charged when account is closed within 180 days after opening. *1) Our ATM fee is waived when using Non-Midland owned ATMs with unlimited fee reimbursement for Liv unlimited accounts. Non-Midland ATM fees still apply. Foreign ATM fees by ATM owners other than Midland States Bank will be charged as the fee occurs. 2) 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 non-cash items (for example, checks). Your interest rate and annual percentage yield may change at any time. 3) Insurance products are: Not a Deposit. Not FDIC-Insured. Not insured by any federal government agency. Not guaranteed by the Bank. Personal Identity Protection and Cell Phone Protection are subject to additional terms and conditions.

*The Allpoint app can only be used on iPhone and Android devices. Message and data rates from your phone carrier may apply.

*Annual percentage yields (APY) are accurate as of 10/7/2022. Money Market Special APYs are 1.16% APY for balances of $.01-$24,999.99 and 2.32% APY for balances of $25,000+. Money Markets are paid with interest beginning to accrue no later than the business day we receive credit for the deposit of the noncash items (for example, checks.) Minimum balance to open a Money Market Account is $2,500 and the minimum daily balance to obtain the disclosed APY is $2,500. Fees could reduce earnings. Your interest rate may change at any time and without notice. This offer may end at any time and without notice. Public Funds and Financial Institutions are excluded.  Equal Housing Lender. Member FDIC.

*Personal savings account - Knock your monthly maintenance fee down to $0 when you keep a minimum daily balance of $250 or receive a monthly electronic deposit (known as ACH) into this account. Otherwise, $3.