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Personal Checking

From mobile data to movie popcorn. Some things are meant to be unlimited.
The same goes for your checking.

Open An Account


With Liv Unlimited, you can always expect:

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Online, Mobile & Text Banking



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Debit Card



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Unlimited Checks and Check Writing

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Bill Pay and E-Statements



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Instant Issue Debit Cards



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Earns Interest

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Surcharge-free ATMs



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Unlimited Waived Fees at Non-Midland ATMs*

per month
Minimum Opening Balance $50
Minimum monthly balance requirement $0
Monthly service fee $10


Knock your monthly service charge down to $0 when you have a daily balance of $5,000 or more.

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Liv Unlimited has no monthly service charge when a minimum daily balance of $5,000 or more is maintained. Otherwise, a $10 monthly service charge will apply. A $40 fee will be charged when account is closed within 180 days after opening. Concerning Interest Bearing Accounts: 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 noncash items (for example, checks). Your interest rate and annual percentage yield may change at any time. Foreign ATM fees by ATM owners other than Midland States Bank will be charged as the fee occurs. Participating retailers are subject to change at any time and without notice. 

*You’re subject to any fee posted and charged by any foreign ATM owner.