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 We Make It Easy for You to Take Control of Your Savings

And With Each Account You'll Receive

  • Interest-Earning Savings Accounts
    Grow your balance over time with an interest-earning savings account.
  • Online Application
    Open a FlexSaver, Money Market, HSA, or CD online in just minutes.
  • Digital Services
    Monitor and manage your savings account from your computer or mobile device.
  • Financial Expertise
    Get help from our financial experts whenever you need it.
man looking at his computer with his dog next to him

Individual Retirement Account (IRA) CD

Grow your retirement earnings with a tax-free (Roth) or tax-deferred (Traditional) IRA account. Your IRA is insured by the Federal Deposit Insurance Corp. (FDIC) up to the maximum amount allowed by law. Learn more.

Certificate of Deposit (CD)

A CD is a low-risk savings option that can boost your earned interest while investing your money safely. You'll get fixed rates and flexible terms, with one-week to five-year term lengths available. Learn more.

Money Market Account (MMA)

A money market account acts like checking while earning like savings for the best of both worlds. You'll benefit from a competitive interest rate as well as debit card and check-writing access. Learn more.
Open Account

Health Savings Account (HSA)

Make pre-tax contributions to an HSA to help pay for qualified health care expenses. Any unused funds roll over each year, regardless of your employment status. You'll also be able to enjoy extra features like investment options. Learn more.

YouthSaver

Start saving for your kids today and open a YouthSaver account. Kids under 18 can cosign with an adult to jumpstart their savings. You can create a YouthSaver account with as little as $5 and enjoy zero monthly maintenance fees. Learn more.

FlexSaver

Opening a FlexSaver account is the perfect way to start building your savings. You'll get unlimited access to your account, including online and mobile options. Learn more.

See How Your Savings Could Grow

Compound Interest Calculator

Which Account Fits You Best?

FeatureFlexSaverYouthSaverMoney MarketHealth SavingsCDIRA CD
Min. opening balance$50$5$2,500$0$500$500
Min. daily balance to earn interest¹$.01$.01$.01$.01$.01$.01
Monthly service charge$3$0$15$0N/AN/A
Knock service charge down to $0$250 min. daily balance requirement¹ or electronic deposit² $2,500 min. daily balance¹   
Branch/ATM Access      
Debit Card Access      
Online Banking      
Mobile Alerts      
Bank by Phone      
Age Requirement3      
Tax Advantages⁴      
Overdraft Protection⁵      
FlexSaver
Min. opening balance$50
Min. daily balance to earn interest¹$.01
Monthly service charge$3
Knock service charge down to $0$250 min. daily balance requirement¹ or electronic deposit²
Branch/ATM Access 
Debit Card Access 
Online Banking 
Mobile Alerts 
Bank by Phone 
Age Requirement3 
Tax Advantages⁴ 
Overdraft Protection⁵ 
Open Accountopen an account Online
or
open an account In-Person
YouthSaver
Min. opening balance$5
Min. daily balance to earn interest¹$.01
Monthly service charge$0
Knock service charge down to $0 
Branch/ATM Access 
Debit Card Access 
Online Banking 
Mobile Alerts 
Bank by Phone 
Age Requirement3 
Tax Advantages⁴ 
Overdraft Protection⁵ 
Open Accountopen an account In-Person
Money Market
Min. opening balance$2,500
Min. daily balance to earn interest¹$.01
Monthly service charge$15
Knock service charge down to $0$2,500 min. daily balance requirement¹
Branch/ATM Access 
Debit Card Access 
Online Banking 
Mobile Alerts 
Bank by Phone 
Age Requirement3 
Tax Advantages⁴ 
Overdraft Protection⁵ 
Open Accountopen an account Online
or
open an account In-Person
Health Savings
Min. opening balance$0
Min. daily balance to earn interest¹$.01
Monthly service charge$0
Knock service charge down to $0 
Branch/ATM Access 
Debit Card Access 
Online Banking 
Mobile Alerts 
Bank by Phone 
Age Requirement3 
Tax Advantages⁴ 
Overdraft Protection⁵ 
Open Accountopen an account Online
CD
Min. opening balance$500
Min. daily balance to earn interest¹$.01
Monthly service chargeN/A
Knock service charge down to $0 
Branch/ATM Access 
Debit Card Access 
Online Banking 
Mobile Alerts 
Bank by Phone 
Age Requirement3 
Tax Advantages⁴ 
Overdraft Protection⁵ 
Open Accountopen an account Online
or
open an account In-Person
IRA CD
Min. opening balance$500
Min. daily balance to earn interest¹$.01
Monthly service chargeN/A
Knock service charge down to $0 
Branch/ATM Access 
Debit Card Access 
Online Banking 
Mobile Alerts 
Bank by Phone 
Age Requirement3 
Tax Advantages⁴ 
Overdraft Protection⁵ 
Open Accountopen an account In-Person

Let's Get Started

1. Choose Your Account Select the option that best fits your needs.
2. Open Your Account Open an account online or visit a branch for help from a Banker.
3. Dive Into Our Services Start benefiting from all we provide.

Our Customers Say It Best

Have been a customer for several years and am happy with the service. Great people.
Dorothy, Customer for 10 Years
Reliable, safe, and convenient banking.
Eric, Customer for 15 Years
Your bank is SO consistent in the areas of customer service, communications, keeping a close eye on our accounts and the activity related to this and you are never too busy to address any questions that we might have.
Elizabeth, Customer for 28 Years

Frequently Asked Questions

Why should I open a savings account with Midland States Bank?

Opening a personal savings account is a great way to build an emergency fund and save for larger purchases. Midland States Bank has savings account options to help you at every stage of life. 

What do I need to open a personal savings account with Midland States Bank?

To open a personal savings account, you must provide:

  • Government-issued identification.
  • Your home address.
  • Your contact information.
  • Your social security number (SSN).
  • Your birthdate.

What are the monthly service fees on your savings accounts?

Our monthly service fees are as follows: 

  • FlexSaver: $3 per month. Make your monthly fee $0 with a minimum daily balance of $250 or a monthly electronic deposit (ACH).
  • Money Market: $15 per month. Make your monthly fee $0 with a minimum daily balance of $2,500.
  • HSA: There is no monthly service charge for our HSA accounts.
  • Optional Fees:
    • Access to Schwab Health Savings Brokerage Account (optional):  $24 annual fee or $3,000 minimum balance
    • Access to HSA Guided Portfolio (optional): 0.50% annually
  • YouthSaver: There is no monthly service charge for our YouthSaver accounts.

Can I open any savings account online?

Open a FlexSaver, Money Market Account or CD online or in-person at any Midland location. 

Some restrictions may apply. A $40 fee will be charged when an account is closed within 180 days after opening. 1) Savings, Money Market, and Health Savings: 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. CDs and IRAs: Withdrawals may reduce earnings and are subject to an early withdrawal penalty. Fees may reduce earnings. Interest paid on collected balance. 2) FlexSaver: Knock your service charge down to $0 when you keep a minimum daily balance of $250 or receive a monthly electronic deposit (ACH) into this account. 3) YouthSaver Savings age requirement: Under 18 (with co-owner over the age of 18 years of age jointly owned by minor and parent/guardian). Upon account owner reaching 18 years of age, account automatically changes into a FlexSaver account 4) Health Savings Accounts are a depository instrument only. Insurance is not provided by the Bank. Consult your tax advisor for tax savings. 5) Link your savings or Money Market account to your Midland checking to prevent an overdraft. Account set-up is required. A fee of $10.00 per transfer will apply. Please ask for details.

See our  Courtesy Overdraft Policy for further information.

Prefer Personal Assistance?

Our team of dedicated professionals are here to support you.