Find The Checking Account That Fits You
Compare options and choose what works best for you.
Open a qualifying checking account by September 30, and we’ll give you a $25 eGift Card!1
| Feature | Totally Free Checking | 50+ Interest Checking | Direct Interest Checking | High Yield Checking |
|---|---|---|---|---|
| Minimum Opening Balance | $50 | $50 | $50 | $50 |
| Monthly Service Charge | $0 | $0 | $0 | $0 or $10 |
| Minimum Balance to Earn Interest | N/A | $0.01 & up | $0.01 & up | $0.01 - $1,499.99 |
| Balance to Earn Premium Interest | N/A | N/A | N/A | $1,500 & up |
| Free Standard Checks | N/A | 1 Box Annually | N/A | Unlimited Free Checks |
| Key Features & Benefits |
|
|
|
|
| Open Account | Open Account | Open Account | Open Account |
| Minimum Opening Balance | $50 |
|---|---|
| Monthly Service Charge | $0 |
| Minimum Balance to Earn Interest | N/A |
| Balance to Earn Premium Interest | N/A |
| Free Standard Checks | N/A |
| Key Features & Benefits |
|
| Minimum Opening Balance | $50 |
|---|---|
| Monthly Service Charge | $0 |
| Minimum Balance to Earn Interest | $0.01 & up |
| Balance to Earn Premium Interest | N/A |
| Free Standard Checks | N/A |
| Key Features & Benefits |
|
| Minimum Opening Balance | $50 |
|---|---|
| Monthly Service Charge | $0 or $10 |
| Minimum Balance to Earn Interest | $0.01 - $1,499.99 |
| Balance to Earn Premium Interest | $1,500 & up |
| Free Standard Checks | Unlimited Free Checks |
| Key Features & Benefits |
|
| Minimum Opening Balance | $50 |
|---|---|
| Monthly Service Charge | $0 |
| Minimum Balance to Earn Interest | $0.01 & up |
| Balance to Earn Premium Interest | N/A |
| Free Standard Checks | 1 Box Annually |
| Key Features & Benefits |
|
I keep saying over and over and over again. Great bank, great people, friendly, easy-to-use website. I wouldn’t bank anywhere else.Maher, Customer for 11 Years
Great convenience. It is easy to pay my monthly bills online. I like the mobile app which makes it easy to check balance, deposit checks, make transfers between accounts, and review withdrawals.Terry, Customer for 28 Years
Banking by app has been a great experience. I am handicapped and unable to get out. Every time I call the office, I get excellent service.John, Customer for 24 Years
What Do You Need to Open a Bank Account?
Whether you're starting your first account or adding a new one, knowing what you need to open a bank account can save you time and hassle. Here's what you need to get started.
Do Checking Accounts Earn Interest?
Did you know checking accounts can help grow your money? Let’s break down how and when you can earn interest from your checking account.
Our team of dedicated professionals are here to support you.
¹ This promotion is valid from August 3, 2026 through September 30, 2026 for customers who open a qualifying consumer checking account online or at a participating Midland States Bank branch. Promo code BANKGIFT must be provided at account opening. Accounts opened between August 3 and August 21, 2026, and between August 29 and September 30, 2026, will receive a $25 eGift card. Accounts opened during the promotional week of August 22 through August 28, 2026, will receive a $100 eGift card. Limit one eGift card per person during the promotion period, regardless of the number of accounts opened. Joint accounts are eligible for one eGift card total, not one per account holder. Bank rules and regulations apply. The eGift card will be provided electronically within two business days after account opening. Gift may be reported on a Form 1099-INT or 1099-MISC.
The minimum balance required to open the account and obtain the bonus is $50. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for complete details.
