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Personal Checking

The right personal checking account makes it easy to take control of your everyday finances.

Open a Checking Account

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Available Personal Checking Accounts

Midland States Bank has a personal checking account designed to fit your needs.

Liv™ Simply

Looking for simple, straightforward online checking? Choose Liv™ Simply and take advantage of:


  • Bill pay and e-statements.
  • Instant issue debit cards.
  • Surcharge-free ATMs*.
  • Online, mobile and text banking.

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Liv™ Unlimited

When you want personal checking without limits, Liv™ Unlimited has you covered. Open an account to gain access to:


  • Bill pay and e-statements.
  • Earned interest.
  • Instant issue debit cards.
  • Online, mobile and text banking.
  • Surcharge-free ATMs*.
  • Unlimited checks and check writing.
  • Unlimited waived fees at non-Midland ATMs*.

Get More Details

Which account fits you best?



Liv Unlimited

Liv Simply

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Allpoint Surcharge-Free ATMs* checkmark checkmark
ATM Refunds¹ checkmark  
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Earns Interest² checkmark  
  $0 per month $0 per month

when you have a daily balance of $5,000 or more.

Otherwise, $10.

with electronic statements. 

$3 per month with paper statements.

  Learn More Learn More
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Why Open a Checking Account with Midland States Bank?

When you open a checking account at Midland States Bank, managing your expenses is easy. We're dedicated to treating you exactly how we'd like to be treated, which is why we offer:

  • A quick, easy online application process.
  • Transparent communication without any gimmicks.
  • Personal checking accounts meant to fit your needs.
  • An experienced team that will be there for you whenever you need them.
  • Digital services so you can bank with us anytime, anywhere.
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thumbs up and cash iconAdditional Benefits You'll Receive When You Open a Checking Account

As part of your personal checking account, you'll be able to take advantage of our Courtesy Overdraft Program. You'll also be able to experience the convenience of tracking your deposits and spending, easily transferring money between accounts and setting balance alerts. Staying up to date is easy with us.

Let’s Get Started

Checking Account FAQs

With a personal checking account, you'll be able to track your spending, pay bills and have your paychecks deposited right into your account. Monitor your account 24/7 and experience peace of mind knowing your funds are protected.

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.

When opening an account online, simply choose the type of customer you are — existing or new — and the type of account, and you'll be good to go.

When you open one of our personal checking accounts, you can choose our standard Courtesy Overdraft Program or one of our other options. We can help you determine which option is best for you depending on your needs.

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A History of Helping Clients Reach Their Goals 

Midland States Bank is a partner you can count on. Ever since we opened our first branch in Effingham, Illinois, we've been dedicated to providing everyone from consumers to corporate clients with world-class banking services.

Today we have multiple branches and a full range of diverse financial services to support you. Achieving your financial goals has never been easier.

orange logo with cursor on it and white cubes floating around itReady to Open an Online Checking Account?

At Midland States Bank, we're ready when you are. We can help you open one of our personal checking accounts online today, or schedule an appointment to open an account with a Personal Banker.

Open a Checking Account

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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.