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. You can pick an account with straightforward simplicity, one that pays interest on deposits, or one that's packed with banking perks. Whatever your choice, you'll also enjoy 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 new Personal Installment Loans and Home Equity Lines of Credit
  • Convenient mobile check deposit with your smartphone camera
  • Link your account to your smartphone for easy one-tap Mobile Wallets payments
  • Debit card for fast purchasing power and added security protection (card can be turned "off" if you misplace it and back "on" when you find it)
  • Paper-free eStatements allow you to access your account data online
  • Access to Midstates Bank's ATM network
  • Free box of basic checks at account opening
  • Electronic alerts to notify you of significant account activity
  • Access live text customer support 7 a.m. to 7 p.m.

Simple Checking

Simple is good. But an account that comes with so many built-in features is way better than just good.

  • $0 monthly balance fee in service charge
  • $100 minimum opening deposit
  • $3 monthly fee for paper statements (waived for customers under 22 or 65 and over)

Interest Checking

This account works a double shift, earning regular interest payments while also providing a long list of money management tools.

  • Earns competitive interest on all deposits
  • $100 minimum opening deposit
  • $7 monthly balance fee in service charge (waived with $1,000 average daily balance)
  • $3 monthly fee for paper statements (waived for customers 65 and over)

Advantage Checking

We tried to think of everything we might want in a checking account - and then we offered them all to you.

  • Tiered interest on balances starting at $5,000
  • Free paper statements
  • $100 minimum opening balance
  • $7 monthly balance fee in service charge (waived with $5,000 average daily balance or reduced by $1 for eStatement enrollment and $0.25 for each debit card purchase)
  • ATM fee refunds up to $10 per month by requests made within 60 days of transaction

*Contact us for current rates. Fees could 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.