Open a checking and savings account with code BANKGIFT and earn up to $100¹ → Details & Eligibility
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 personal checking account with a FlexSaver savings account on the same day using promo code BANKGIFT to earn $50, plus get an additional $50 with qualifying direct deposits.¹ See how to qualify.
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 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
Easy online banking app. No need to go to a branch to deposit checks anymore.Angela, Customer for 8 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 Member FDIC. The minimum balance required to open the account and obtain the bonus is $50. Ask banker for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for complete details.
Offer ends May 29, 2026. Must be 18 or older and apply with promo code BANKGIFT. Limit 1 offer per person. Available to new Midland personal checking and savings customers only. Earn $50 when you open a personal checking and FlexSaver savings account on the same business day and keep both open for 90 days. Earn $50 more when you receive 3 or more direct deposits totaling $500+ within 90 days. Bonus paid within 30 business days after requirements are met. Minimum balance required to open each account is $50. Bonus is considered interest, producing a 1099-INT form. Early closure may forfeit bonus and incur fees.
$10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented.
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.
