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Personal Savings

Earn a competitive interest rate while enjoying easy debit card and limited check-writing access.

Open An Account

per month
Minimum opening balance $2,500
Minimum daily balance to earn interest $0.01
Monthly service charge $15


Knock your monthly service charge down to $0.
Maintain a daily balance of $1,000 or a $7,500 average monthly balance.


Features and Benefits

Tiered interest

The more money you have in your account, the higher the interest you’ll earn. 

Convenient access

Get unlimited account access when you stop by any Midland States bank branch or ATM, along with a MasterCard debit card and limited check writing.

Overdraft protection

Link your Midland Money Market account to your Midland checking account and protect against overdrafts.


With a Midland Money Market, you can always expect:

  • FDIC insured up to the maximum coverage allowed. 
  • Free online, mobile and touch-tone phone banking
  • Secure online statements
  • Faster access to your money with direct deposit


Some restrictions may apply. A $40 fee will be charged when account is closed within 180 days after opening. If minimum daily balance of $1,000 or average monthly balance of $7,500 is not maintained each statement cycle, a $15 service charge will be applied to the account. Interest rate and annual percentage yield may change and the Bank may change the rate at any time. If you close your account before interest is credited, you will not receive interest. Accrual of interest on noncash deposits will begin no later than the business day Midland States Bank receives credit for the deposit of noncash deposits (for example, checks). Fees could reduce earnings. Standard data and text message rates apply.