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Compare CDs & Saving Accounts


  FlexSaver YouthSaver Money Market Health Savings CD IRA
Min. opening balance $50 $5 $2,500 $100 $500 $500
Min. daily balance to earn interest¹ $.01 $.01 $.01 $.01 $.01 $.01
Monthly service charge $3 $0 $15 $2 N/A N/A
Knock service charge down to $0

$250 min. daily balance requirement¹ or electronic deposit²


$1,000 min. daily or $7,500 avg. monthly balance requirement¹

$1,500 avg. monthly balance requirement¹

Branch / ATM Access    
Debit Card Access        
Online Banking
Mobile Alerts    
Bank by Phone
Age requirement³          
Tax Advantages⁴        
Overdraft Protection⁵      
Light Grey

Some restrictions may apply. A $40 fee will be charged when an account is closed within 180 days after opening. 1) Savings, Money Market, and Health Savings: 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. CDs and IRAs: Withdrawals may reduce earnings and are subject to an early withdrawal penalty. Fees may reduce earnings. Interest paid on collected balance. 2) FlexSaver: Knock your service charge down to $0 when you keep a minimum daily balance of $250 or receive a monthly electronic deposit (ACH) into this account. 3) YouthSaver Savings age requirement: Under 18 (with co-owner over the age of 18 years of age jointly owned by minor and parent/guardian). Upon account owner reaching 18 years of age, account automatically changes into a FlexSaver account 4) Health Savings Accounts are a depository instrument only. Insurance is not provided by the Bank. Consult your tax advisor for tax savings. 5) Link your savings or Money Market account to your Midland checking to prevent an overdraft. Account set-up is required. A fee of $10.00 per transfer will apply. Please ask for details.

See our Courtesy Overdraft Policy for further information.