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A Free Checking Account for Everyone
When checking is simple, there's more time for moments that shine.
No minimum balance
No monthly service charge
Free digital banking
Free paper or eStatements
Free bill pay
Open a qualifying checking account by November 28, and we’ll give you a travel throw and enter you for a chance to win a Solo Stove®!¹
Every new checking account includes a free Mastercard® debit card that includes features including but not limited to*:
Need a new debit card fast? Get a replacement instantly at any Midland location—whether it’s lost, damaged, or you just need one right away
With integrated card controls, you decide when, where and who uses your cards. Turn your cards on or off, set spending limits and get alerts, all from your mobile device.
Checking accounts are insured by the FDIC up to the maximum coverage allowed.
| 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 | 1 Box Annually |
| 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 |
|
Easy online banking app. No need to go to a branch to deposit checks anymore.Angela, Customer for 8 Years
The people there go well beyond the call of duty to help!Anthony, Customer for 23 Years
The app is very user friendly and easy to get simple banking done. Also the fraud alert texts and calls are the most amazing feature of your bank!Kyle, Customer for 18 Years
Make the simple switch today. Enjoy the rewards tomorrow.
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.
*Certain terms, conditions, and exclusions apply. See your Guide to Benefits for more information. All benefits provide secondary coverage only. Not available for Health Savings Debit Cards.
¹ Throw or gift of similar value may be reported on a 1099-INT or 1099-MISC; if unavailable, gift will be substituted. Branch accounts receive the gift at opening; accounts opened online will have the gift mailed to the address on file. $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented. The minimum opening balance required to open a checking account is $50.
For Solo Stove Sweepstakes offer: Entrants must be 18 years of age or older. Limit one entry per person. Midland States Bank employees and their immediate families are not eligible to win. Entries accepted 10/14/25- 11/28/25. Winners will be notified within 30 days of promotion completion. Customers who open a qualifying checking account (Totally Free Checking, Direct Interest Checking, 50+ Interest Checking, High Yield Checking, Business Interest Checking, and Totally Free Business Checking) during the promotional period will be automatically entered. No purchase necessary to win and will not increase your chances to win. To enter without opening a qualifying account, visit any participating Midland location. One Solo Stove® will be awarded at each branch, including our online branch. No cash equivalent, substitution, or transfer of prize permitted. Winner of the prize will be issued a 1099-INT or 1099-MISC. For a copy of the official rules or to enter without a qualifying account, visit any participating location
² Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only.
