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Midstates Bank

Advantage Checking

Let your money work as hard as you do. This interest-bearing checking account offers higher interest, ATM refunds, plus discounts on personal loans and home equity lines of credit.


Monthly Service Charge
$7 or $01
Earns Interest Tiered interest on balances starting at $5,0002
ATM Fee Refund $10 for fees charged by out-of-network ATMs3

Features & Benefits

Get the perks of relationship banking
We are here with advice and insights to help keep you moving in the right direction. Did we mention special pricing like 0.125% off new personal loans and home equity lines of credit? You get those, too.4
Waive the monthly service charge
No monthly service charge when you maintain a $5,000 minimum average daily ledger balance or enroll in free eStatements and make 24 debit card transactions.1
Convenient account access
Access your money with free debit Mastercard®  and online and mobile banking.
ATM fee rebates
Use Midstates Bank no-fee ATMs when you can. When you can’t, we refund up to $10 per month for out-of-network ATM fees.3


There is no Monthly Service Charge if any of the following requirements are met:
  • Monthly charge waived with $5,000 minimum average daily ledger balance  
  • Monthly charge reduced by $1 for eStatement and $0.25 for each debit card purchase. ATM transactions do not apply. Transactions must post to the account within the statement cycle to qualify. 
2  Contact us for current interest rates. Fees could reduce earnings.
3  ATM fee refunds up to $10 per month by request within 60 days of transaction 
4  0.125% off new personal loans and Home Equity Lines of Credit w/ auto pay from Midstates account.
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Text Banking

Stay informed and in control with the ease of text banking.

Contact  Us

at 1-888-710-9070
Call Service
8 am - 5 pm, M-F
Text Service
7 am - 7 pm, 7 days a week