Earn More with Direct Deposits
Earn interest with the convenience of direct deposit or any automatic payment.
Competitive interest rates
No minimum balance
No monthly service charge
Free digital banking
Free paper or eStatements
Open a qualifying checking account by January 4, 2027, and we’ll give you a $25 eGift Card!1
Every new checking account includes a free Mastercard® debit card with contactless technology, giving you the flexibility to swipe, insert, tap, or hold your card near the reader to pay. Your card does it all!
Features include, but are 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 | $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 | 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 |
|
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
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
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.
¹This promotion is valid from October 1, 2026 through January 4, 2027 for customers who open a qualifying consumer checking account in person or online. Promo code BANKGIFT must be provided at account opening. Qualifying consumer checking accounts opened during these dates will receive a $25 eGift Card. Accounts opened in-branch during October 24, 2026 through October 30, 2026, are subject to the separate Burst Week offer. Limit one eGift Card per person during the full promotional period of October 1, 2026 – January 4, 2027, regardless of the number of accounts opened. Joint accounts are eligible for one eGift Card total, not one per account holder. The eGift Card will be provided electronically within two business days after account opening. The recipient will be issued a 1099-INT and is responsible for any applicable taxes.
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.
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.
