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Checking Accounts for Every Chapter of Your Life

Totally Free Checking

  • A free account for everyone
  • No minimum balance
  • No monthly service charge
  • Compare features
Learn More

Direct Interest Checking

  • Earn interest with the convenience of direct deposit or any automatic payment
  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • Compare features
Learn More

High Yield Checking

  • An account for those interested in higher interest
  • Free standard checks
  • Higher interest rate with a balance of $1,500 or more
  • Competitive interest if balance falls below $1,500
  • Only $10 monthly charge if minimum balance falls below $1,500
  • Compare features
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50+ Interest Checking

  • Built for customers 50 and better
  • Free standard checks (one box annually)
  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • Compare features
Learn More
Solo stove and blanket on pattern background

Limited-Time Offer: Get a Free Blanket + a Chance to Win a Solo Stove®

Open a qualifying checking account by November 28, and we’ll give you a travel throw and enter you for a chance to win a Solo Stove®

Which Account Fits You Best?

FeatureTotally Free Checking50+ Interest CheckingDirect Interest CheckingHigh Yield  Checking
Minimum Opening Balance$50$50$50$50
Monthly Service Charge$0$0$0$0 or $10
Minimum Balance to Earn InterestN/A$0.01 & up$0.01 & up$0.01 - $1,499.99
Balance to Earn Premium InterestN/AN/AN/A$1,500 & up
Free Standard ChecksN/A1 Box AnnuallyN/AUnlimited Free Checks
Key Features & Benefits
  • No monthly fees
  • Free digital tools
  • Fee-free ATMs
  • Interest earning
  • No monthly fees
  • Free checks
  • Tailored for 50+
  • Interest earning
  • ACH support
  • Free digital tools
  • Custom statements
  • Higher interest rates
  • Unlimited free checks
  • ATM refunds
  • Free digital suite
 Open AccountOpen AccountOpen AccountOpen Account

Totally Free Checking

Minimum Opening Balance$50
Monthly Service Charge$0
Minimum Balance to Earn InterestN/A
Balance to Earn Premium InterestN/A
Free Standard ChecksN/A
Key Features & Benefits
  • No monthly fees
  • Free digital tools
  • Fee-free ATMs

Direct Interest Checking

Minimum Opening Balance$50
Monthly Service Charge$0
Minimum Balance to Earn Interest$0.01 & up
Balance to Earn Premium InterestN/A
Free Standard ChecksN/A
Key Features & Benefits
  • Interest earning
  • ACH support
  • Free digital tools
  • Custom statements

High Yield Checking

Minimum Opening Balance$50
Monthly Service Charge$0 or $10
Minimum Balance to Earn Interest$0.01 - $1,499.99
Balance to Earn Premium Interest$1,500 & up
Free Standard ChecksUnlimited Free Checks
Key Features & Benefits
  • Higher interest rates
  • Unlimited free checks
  • ATM refunds
  • Free digital suite

50+ Interest Checking

Minimum Opening Balance$50
Monthly Service Charge$0
Minimum Balance to Earn Interest$0.01 & up
Balance to Earn Premium InterestN/A
Free Standard Checks1 Box Annually
Key Features & Benefits
  • Interest earning
  • No monthly fees
  • Free checks
  • Tailored for 50+

Enjoy These Features with Every Checking Account

  • Real People, Ready to Help
  • Free Digital Banking
  • Access 55,000+ Fee-Free ATMs
  • Several Types of Overdraft Protection

Our Customers Say It Best

I keep saying over and over and over again. Great bank, great people, friendly, easy-to-use website. I wouldn’t bank anywhere else.
Maher, Customer for 11 Years
Great convenience. It is easy to pay my monthly bills online. I like the mobile app which makes it easy to check balance, deposit checks, make transfers between accounts, and review withdrawals.
Terry, Customer for 28 Years
Banking by app has been a great experience. I am handicapped and unable to get out. Every time I call the office, I get excellent service.
John, Customer for 24 Years

Frequently Asked Questions

Do you offer joint checking accounts?

Yes, if you want to share your account, you can add a joint owner to your account during the account opening process or after the account is opened. Joint bank accounts are perfect for couples or families to manage shared expenses. Any of our checking or savings accounts easily allow each person to deposit, withdraw, and manage funds.  

What are the requirements to open a checking account?

To open an account with us in person or online, you'll need to provide some key details: 

  • Your personal and contact information 

  • Your U.S. address 

  • Your social security number or employer identification number 

You'll also need to be 18 years old with a government-issued ID. 

Do you offer overdraft protection options?

Yes, when you open a Midland checking account, our standard Courtesy Overdraft Program is automatically applied. You can also choose one of our other overdraft protection options for these accounts. We can help you determine which program is best for you depending on your needs. 

Prefer Personal Assistance?

Our team of dedicated professionals are here to support you.

¹ Throw or gift of similar value may be reported on a 1099-INT or 1099-MISC; if unavailable, gift will be substituted. Branch accounts receive the gift at opening; accounts opened online will have the gift mailed to the address on file. $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented. The minimum opening balance required to open a checking account is $50.

For Solo Stove Sweepstakes offer: Entrants must be 18 years of age or older. Limit one entry per person. Midland States Bank employees and their immediate families are not eligible to win. Entries accepted 10/14/25- 11/28/25. Winners will be notified within 30 days of promotion completion. Customers who open a qualifying checking account (Totally Free Checking, Direct Interest Checking, 50+ Interest Checking, High Yield Checking, Business Interest Checking, and Totally Free Business Checking) during the promotional period will be automatically entered. No purchase necessary to win and will not increase your chances to win. To enter without opening a qualifying account, visit any participating Midland location. One Solo Stove® will be awarded at each branch, including our online branch. No cash equivalent, substitution, or transfer of prize permitted. Winner of the prize will be issued a 1099-INT or 1099-MISC. For a copy of the official rules or to enter without a qualifying account, visit any participating location