Open a checking and savings account with code BANKGIFT and earn up to $100¹ → Details & Eligibility
Earn Up to $100 When You Switch Your Checking¹
Find the account that fits how you bank — and start earning your bonus.
Open a personal checking account with a FlexSaver savings account on the same day using promo code BANKGIFT to earn $50, plus get an additional $50 with qualifying direct deposits.¹ See how to qualify.
| 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 |
|
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
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
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
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.
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1 Member FDIC. The minimum balance required to open the account and obtain the bonus is $50. Ask banker for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for complete details.
Offer ends May 29, 2026. Must be 18 or older and apply with promo code BANKGIFT. Limit 1 offer per person. Available to new Midland personal checking and savings customers only. Earn $50 when you open a personal checking and FlexSaver savings account on the same business day and keep both open for 90 days. Earn $50 more when you receive 3 or more direct deposits totaling $500+ within 90 days. Bonus paid within 30 business days after requirements are met. Minimum balance required to open each account is $50. Bonus is considered interest, producing a 1099-INT form. Early closure may forfeit bonus and incur fees.
$10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented.
