Carissa helping a customer at the front teller line

Personal Checking

Manage your money your way.

Our checking accounts provide the flexibility to meet your lifestyle and financial needs, letting you manage your money more effectively.

Tired of complicated banking processes? Say goodbye to endless paperwork, long queues, and hidden fees. We’re proud to offer the perfect solutions tailored to your needs.

Switch to our personal checking accounts today and enjoy a new banking experience. Say goodbye to the hassles of impersonal banking and say hello to a seamless and stress-free financial future with our personalized service.

All of our personal checking accounts feature:

  • Free contactless debit card

  • Online banking with BillPay

  • Mobile banking with mobile deposits

  • External transfers

  • Debit card Round Up

  • Free eStatements

  • Ability to send money through Zelle®

  • Apple & Google Pay

  • Free email & text alerts

  • MyCards app debit card management

  • Switch kit

Your money. Your choice of checking.

Choose the checking account that fits your lifestyle and financial goals. All of our checking accounts offer you the flexibility of online and mobile banking wherever you go.

My Design Checking

Perfect, hassle-free account featuring no minimum balances, no monthly service fee, and no statement fee, giving you the freedom to bank freely!

  • No minimum balance requirement
  • No monthly service fee
  • Free eStatements
  • Unlimited checks (available for a monthly fee)
Contact us to get started

My Design PLUS Checking

Do you keep a larger balance and want a few extra perks? My Design PLUS is perfect for you to earn interest and access free cashier’s checks and foreign ATMs transactions!

  • Earns interest
  • 3 free foreign ATM transactions per month
  • Free eStatements
  • Unlimited checks (available for a monthly fee)
Contact us to get started

My Design Rewards Checking

A checking account perfectly designed to reward you for using it, regardless of how high of a balance you keep! If you meet the requirements, you earn a premium interest rate, so grab ahold of your financial freedom!

  • Earn 3.5% APY* on balances up to $19,999.99
  • 2.00% APY* on balances $20,000.00 and over
  • No minimum balance or monthly service charge
  • $500 or more in direct deposits cumulative**
  • 15 point-of-sale debit card purchases***
  • Free eStatements
Contact us to get started
My Design CheckingMy Design PLUS CheckingMy Design Rewards Checking
Minimum balance$0$1,500$0
Monthly service charge$0$10*$0
Monthly dormant fee$5*$5*$5*
Earns interestNoYesYes
Unlimited checksYes (for a monthly fee)Yes (for a monthly fee)No
Free eStatementsYesYesYes
Jordy 71

Debit Cards

When you open a new Midwest Bank checking account, you can instantly choose your debit card design and have it printed right there at the branch. Need a replacement card? Just visit your local branch and we’ll get you a new one printed.

Learn more about mobile banking

Mobile Banking Benefits

Live on the go. Bank on the go. It’s never been easier to bank wherever you are, at home on the couch or on the beach for vacation. Manage your banking your way.

Reasons to choose Midwest Bank

Automatic Savings with Roundup

Round up your debit card purchases to the nearest dollar and the difference will be automatically transferred to your Midwest Bank savings account. A great way to save money daily when you use your card!

Learn more

Paperless Statements

Embrace efficiency and sustainability with paperless statements. Instant access, reduced clutter, and environmental impact make managing your information seamless and eco-friendly.

Account Alerts

Stay informed effortlessly with account alerts. Timely updates on transactions, balances, and security empower you to manage finances confidently, ensuring peace of mind and control.

Learn more

ID Protect Plus

Protect your personal information and bank accounts against fraud and identify theft. Midwest Bank partners with Deluxe Provent ®, an industry leader in Identity Theft Protection and Restoration services, to offer you ID Protect Plus.

  • Online account access to your personal identity protection

  • Timely tips and industry best practices to protect yourself

  • Online encrypted storage for your important personally identifiable information

  • Monthly email notifications of your current account information and activity report

  • Access to certified resolution specialists to assist with resolving identity theft issues

  • Receive prompt email alerts regarding large-scale breaches and fraud-related threats

  • One-time black market scan of your name and address

  • End2End Defense three phase proprietary fraud resolution process

Contact your local Midwest Bank branch to enroll in ID Protect Plus today!

Contact Us
Loan administrator helping client with paperwork.

Switch Kit

We make it easy to switch to Midwest Bank. Make the switch today, and enjoy benefits like our personalized service, latest technology, and great banking products.

Frequently Asked Questions

Why should I open a checking account?

Opening a checking account provides convenient money management, easy bill payments, secure transactions, and access to digital banking services, simplifying your financial life.

How do I open an account?

Simply complete the application in-person at any of our locations.

How do I add someone to an account?

To add someone to your checking account, call or stop in at one of our locations and we will assist you with the information needed and prepare the new documents.

How can I remove an owner from an account?

To remove an owner from your account, call or stop in at one of our locations and we will discuss the options with you.

How do I find my routing and account numbers?

There are several ways to find your routing and account numbers. First, if you have paper checks, you can check the bottom left corner of a check; both numbers will be listed. The routing and account numbers are sometimes found on your bank statements or online accounts. You can also contact your local branch to get the information. The routing number is also conveniently found in the footer at the bottom of our website.

Can I temporarily turn off my debit card if I have misplaced it?

Yes, we offer the option to temporarily turn off your debit card through our mobile banking app or online platforms if you’ve misplaced it.

How do I change my address?

To change your address on your checking account, simply call or stop in at one of our locations and we will assist you with making the change.

We’re here to help you find the right checking account.

Call your local branch or contact us online and we’ll answer your questions or help you get started.

Call your branch

When you call us, you’re going to talk to a real person. We promise.

Find your branch

Contact us online

Reach out to us online and we’ll get you a response as soon as possible.

Get in touch

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My Design Checking: $5.00 dormant fee if account has no activity for 6 months and balance in account is less than $100.

My Design PLUS Checking : $1,500 minimum balance. $5.00 monthly dormant fee if account has no activity for 6 months and balance in account is less than $100. Service charge ($10) waived if you have other deposit and loan accounts with Midwest Bank over $10,000. For current interest rates, contact your local branch.

My Design Rewards Checking: *Annual Percentage Yield (APY) **Per monthly statement cycle. ***Per monthly statement cycle does not include ATM transactions. $5.00 dormant fee if account has no activity for 6 months and balance in account is less than $100. Account offered to Consumers and Trusts only. Limit one account per primary account owner. For current interest rates, contact your local branch. If above criteria are not met, 0.25% APY* on all balances in account.

Paper statement available for monthly fee.

Personal Savings & CDs

Our savings accounts offer secure deposits, competitive interest rates, and easy online management, empowering you to save for goals confidently. Whether you’re saving for a rainy day or a dream vacation, start maximizing your funds with convenience and peace of mind today.

Learn more

Personal Online & Mobile Banking

Banking on the go is easy with Midwest Bank. With our Online & Mobile Banking solutions, you have access to mobile deposit, bill pay, account alerts, and so much more. Manage your debit cards, track your spending, and easily send and receive money from friends and family.

Learn more

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