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Simple, Bright & Tailored for You

And With Each Account You'll Receive

Online, Mobile & Text Banking

Manage accounts, transfer funds, pay bills or deposit checks 24/7 using your smartphone, computer, or tablet. Learn more.

Fee-Free ATMs

You have access to the Allpoint ATM Network, which provides more than 55,000 surcharge-free ATMs, so cash is never far away.

Quick & Easy Online Account Opening

Open a checking account online in as little as 10 minutes. Open now.

Overdraft Protection

Your Midland checking account gives you access to several types of overdraft protection tools.

Experienced Banking Team

Our bankers are here  when you need them for full service account opening, answering questions or adding account services.

Instant Debit Card Replacement & Easy Digital Payments

Lost or damaged your debit card? Get a new one instantly at any branch. Plus, enjoy secure, tap-to-pay convenience by storing your Midland cards in your smartphone’s digital wallet—no physical card is needed.

Liv™ Simply

Looking for a simple, straightforward online checking account? This basic checking account is perfect for managing your money with ease. Learn more.

Liv™ Unlimited

When you want personal checking with extra benefits, Liv™ Unlimited has you covered. Open an account to gain access to features like unlimited checks and unlimited waived fees at non-Midland ATMs*. Learn more.

Which Account Fits You Best?

Liv UnlimitedLiv Simply
Debit Card  
Online Banking  
Online Bill Pay  
Mobile Banking App  
Text Banking  
Digital Money Management  
Allpoint Fee-Free ATMs*  
Overdraft Protection Available  
ATM Refunds1 No
Free Checks No
Earns Interest2 No
Account Statement OptionsPaper or eStatementPaper or eStatement
Monthly Fee$0 or $10$0
How to make this a Free Account:Maintain a daily balance of $5,000 or more per month.Enroll in eStatements (Paper Statements are $3 per month)
Open AccountOpen Account
Liv Unlimited
Debit Card 
Online Banking 
Online Bill Pay 
Mobile Banking App 
Text Banking 
Digital Money Management 
Allpoint Fee-Free ATMs* 
Overdraft Protection Available 
ATM Refunds1 
Free Checks 
Earns Interest2 
Account Statement OptionsPaper or eStatement
Instant Loan FeatureNo
Free Cashier's ChecksNo
Monthly Fee$0 or $10
How to make this a Free Account: Maintain a daily balance of $5,000 or more per month.
Liv Unlimited
Debit Card 
Online Banking 
Online Bill Pay 
Mobile Banking App 
Text Banking 
Digital Money Management 
Allpoint Fee-Free ATMs* 
Overdraft Protection Available 
ATM Refunds1No
Free ChecksNo
Earns Interest2No
Account Statement OptionsPaper or eStatement
Instant Loan FeatureNo
Free Cashier's ChecksNo
Monthly Fee$0
How to make this a Free Account:Enroll in eStatements (Paper Statements are $3 per month)

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

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
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
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

Frequently Asked Questions

Why open a checking account?

With a personal checking account, you'll be able to track your spending, pay bills and have your paychecks deposited right into your account. Monitor your account 24/7 and experience peace of mind knowing your funds are protected. 

What are the requirements to open a checking account?

To open an account with us in person or online, you'll need to provide some key details: 

  • Your personal and contact information 

  • Your U.S. address 

  • Your social security number or employer identification number 

You'll also need to be 18 years old with a government-issued ID. 

When opening an account online, simply choose the type of customer you are — existing or new — and the type of account, and you'll be good to go. 

Does Midland States Bank offer overdraft protection options?

Yes, when you open a Liv Simply or Liv Unlimited Account, our standard Courtesy Overdraft Program is automatically applied. You can also choose one of our other overdraft protection options for these accounts. We can help you determine which program is best for you depending on your needs. Learn More

Do you offer joint checking accounts?

Yes, if you want to share your account, you can add a joint owner to your account during the account opening process or after the account is opened. Joint bank accounts are perfect for couples or families to manage shared expenses. Any of our checking or savings accounts easily allow each person to deposit, withdraw, and manage funds.  

Can I add overdraft protection to my checking account?

When you open a Midland Liv Simply or Liv Unlimited checking account, you'll have access to several types of overdraft protection tools. Upon opening one of these accounts, we automatically enroll you in Courtesy Overdraft Coverage. You can also use your savings or money market as added overdraft protection. Learn more on how we help protect you from overdrawing your account

Prefer Personal Assistance?

Our team of dedicated professionals are here to support you.

Minimum opening deposit for Liv Simply or Liv Unlimited 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 with 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. Personal Identity Protection and Cell Phone Protection are subject to additional terms and conditions.

*The Allpoint app can only be used on iPhone and Android devices. Message and data rates from your phone carrier may apply.