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Midstates Bank


Explore Checking Options

With FREE Checking, Interest Checking, and Advantage Checking, our accounts give you MORE OPTIONS to get the most out of your checking account. 

Every new personal checking account includes:

  • Online Banking & unlimited Bill Pay
  • Mobile Banking & Mobile Deposit
  • Debit Card
  • First box of basic checks free at account opening
  • eStatements
  • Thank you gift

Scroll to the left to view the rest of the table.







Minimum to open

$100 $100

Monthly service charge 



How to waive service charge

Monthly charge waived with $1,000 minimum average daily ledger balance
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*



No Interest on all balances Tiered interest on balances starting at $5,000


Paper statements

$3 monthly fee
(Waived for ages 65+ or under 22)
$3 monthly fee 
(Waived for ages 65+)

ATM fee refunds***

No No

Loan discounts

No No
0.125% off new personal loans and Home Equity Lines of Credit 
(w/ auto pay from Midstates account)

Overdraft Protection Line of Credit waived****

($25 annual fee)

No No
*ATM transactions do not apply. Transactions must post to the account within the statement cycle to qualify. 
**Contact us for current interest rates. Fees could reduce earnings.
*** Up to $10 fee refund per month upon request up to 60 days following the transaction. 
****Overdraft protection is subject to approval. 
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Text Banking

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

Account access at your fingertips. Manage your accounts securely using your mobile device.