Cheerful elderly couple using banking apps on a smartphone to make payments outdoors in the park

Personal Checking Accounts

It all boils down to one idea — total convenience

Midwesterners have different lifestyles and financial strategies. So there's no reason to shoe-horn everyone into one standard checking account. Choose an account with straightforward simplicity, one that pays interest, or one with added perks. Every option includes digital banking tools, ATM access, and more.

All our accounts feature:

  • Online Banking and electronic Bill Pay
  • Free Mobile Banking with our highly rated app
  • Rate discounts on Personal Installment Loans and Home Equity Lines of Credit
  • Mobile check deposit
  • Mobile Wallet compatibility for one-tap payments
  • Debit card with security controls
  • Paper-free eStatements
  • Access to Midstates Bank’s ATM network
  • Free box of basic checks at opening
  • Electronic activity alerts

Simple Checking

Simple is good — but this account with built-in essentials is even better.

  • $0 monthly balance fee
  • $100 minimum opening deposit
  • $3 paper statement fee (waived for ages under 22 or 65+)

Interest Checking

Earn interest while managing your money with confidence.

  • Competitive interest on all deposits
  • $100 minimum opening deposit
  • $7 monthly fee (waived with $1,000 average daily balance)
  • $3 paper statement fee (waived for 65+)

Advantage Checking

A premium account with added benefits and tiered rewards.

  • Tiered interest starting at $5,000
  • Free paper statements
  • $100 minimum opening balance
  • $7 monthly fee (waived with $5,000 avg. daily balance or reduced via eStatements and card use)
  • ATM fee refunds up to $10/month

Health Savings Account (HSA)

A flexible, tax-advantaged way to plan for healthcare expenses. 2,3  Start saving today with our Health Savings Account. 

  • Tax-free spending on qualified expenses
  • Contributions may reduce taxable income
  • Rollover funds annually
  • Account stays with you even if you change jobs
  • Triple tax advantage 2,3
  • Learn more 

*Contact us for current rates. Fees may reduce earnings.











Midstates Bank is a full-service financial institution with branches throughout western Iowa.
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Start saving for the future.


Choose from two options & open a savings account online! Unlock the power of personal savings with Midstates Bank.