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 up to $12.50 per month on Liv rewarded accounts and 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. Learn more about BaZing® benefits, terms and conditions at www.bazing.com.