Person holding phone at grocery store
Personal Checking

The right checking accounts for everyday expenses.

Which account fits you best?

 
Account Feature Liv Unlimited Liv Rewarded Liv Simply
Debit Card checkmark checkmark checkmark
Online Banking checkmark checkmark checkmark
Online Bill Paying checkmark checkmark checkmark
Mobile Banking App checkmark checkmark checkmark
Text Banking checkmark checkmark checkmark
Money Management checkmark checkmark checkmark
ATM Refunds¹ checkmark checkmark  
Free Checks checkmark    
Earns Interest² checkmark    
Identity Protection³ and Theft Aid checkmark checkmark  
Payment Card Fraud Resolution checkmark checkmark  
BaZing Travel and Health Discounts checkmark checkmark  
Cell Phone Protection³ checkmark checkmark  
Roadside Assistance checkmark checkmark  
$10,000 Travel Accidental Death Insurance³ checkmark checkmark  
  Liv Unlimited Liv Rewarded Liv Simply
 

$10/month

avoidable fee

$6/month

avoidable fee

$0/month

avoidable fee

 

 

  (with electronic statements, $3/month with paper statements)
 

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Liv Unlimited Liv Rewarded Liv Simply

$10/month

avoidable fee

$6/month

avoidable fee

$0/month

avoidable fee

 

  (with electronic statements, $3/month with paper statements)

Learn More

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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 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. Lean more about BaZing® benefits, terms and conditions at www.bazing.com.