Refer your friends and earn up to $500. Refer Today
Checking for Your Brightest Moments
We like to help you keep more of what's yours by including free digital banking, free eStatements, and free bill pay with every new checking account.
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®!¹
| Feature | Totally Free Checking | 50+ Interest Checking | Direct Interest Checking | High Yield Checking |
|---|---|---|---|---|
| Minimum Opening Balance | $50 | $50 | $50 | $50 |
| Monthly Service Charge | $0 | $0 | $0 | $0 or $10 |
| Minimum Balance to Earn Interest | N/A | $0.01 & up | $0.01 & up | $0.01 - $1,499.99 |
| Balance to Earn Premium Interest | N/A | N/A | N/A | $1,500 & up |
| Free Standard Checks | N/A | 1 Box Annually | N/A | Unlimited Free Checks |
| Key Features & Benefits |
|
|
|
|
| Open Account | Open Account | Open Account | Open Account |
| Minimum Opening Balance | $50 |
|---|---|
| Monthly Service Charge | $0 |
| Minimum Balance to Earn Interest | N/A |
| Balance to Earn Premium Interest | N/A |
| Free Standard Checks | N/A |
| Key Features & Benefits |
|
| Minimum Opening Balance | $50 |
|---|---|
| Monthly Service Charge | $0 |
| Minimum Balance to Earn Interest | $0.01 & up |
| Balance to Earn Premium Interest | N/A |
| Free Standard Checks | N/A |
| Key Features & Benefits |
|
| 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 Checks | Unlimited Free Checks |
| Key Features & Benefits |
|
| Minimum Opening Balance | $50 |
|---|---|
| Monthly Service Charge | $0 |
| Minimum Balance to Earn Interest | $0.01 & up |
| Balance to Earn Premium Interest | N/A |
| Free Standard Checks | 1 Box Annually |
| Key Features & Benefits |
|
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
What Do You Need to Open a Bank Account?
Whether you're starting your first account or adding a new one, knowing what you need to open a bank account can save you time and hassle. Here's what you need to get started.
Do Checking Accounts Earn Interest?
Did you know checking accounts can help grow your money? Let’s break down how and when you can earn interest from your checking account.
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
