Personal Checking
The following services are available on all Midwest Bank consumer checking accounts:
Free Net Banking
Free Basic Bill Pay; however, fees apply to Bill Pay overnight check deliveries and Popmoney.
Free Electronic Statements
Optional account balance protection from either a savings account or approved personal line of credit
|
Account Type
|
Minimum to Open
|
Minimum Balance to obtain APY
|
Monthly Service Charge
|
Interest Earned
|
Checks
|
ATM/Debit
Card Access
|
Other
Details
|
|
Reward Checking
Limited Service Area Only
|
$100
|
$0.01
|
None
|
Yes
|
Free Midwest
Bank Checks
|
ATM/Debit card (automatic surcharges refund up to $5/time if account requirements are met)*.
|
2.05% APY earned on balances between $.01-25,000 and 0.50% APY on amounts > $25,000 when account requirements are met*
|
|
Midwest Checking
|
$100
|
Not applicable
|
None
|
No
|
Free First
Order of
Midwest
Bank Checks
|
ATM card or
ATM/Debit card (refund surcharges up to $5/time with receipts)**
|
|
|
Interest Checking
|
$500
|
$0.01
|
$5.00 monthly service charge if daily available balance drops below $500
|
Yes
-Tiered interest rates
|
Free First
Order of
Midwest
Bank Checks
|
ATM card or
ATM/Debit card (refund surcharges up to $5/time with receipts)**
|
|
|
Advantage Checking
|
$100
|
$500.00
|
$7.00
|
Yes
|
Free Midwest Bank Checks
Plus Free Cashiers Checks and Money Orders
|
ATM card or ATM/Debit card
(refund surcharges up to $5/time with receipts)**
|
-Free 3"x5"x21.5" small safe deposit box first year
-“Accidental Death & Dismemberment Insurance”
-Credit card protection service
-Free notary service
-Free photocopies (limit 10 per month)
Discounts on:
-travel services
-hotel & motel
-pharmacy products
-movie theater tickets
-shopping service
-grocery coupon service
|
|
Advantage Plus Checking
(Must be age 55 or older)
|
$100
|
$500.00
|
$4.00
|
Yes
|
Free Midwest Bank Checks
Plus Free Cashiers Checks and Money Orders
|
ATM or ATM/Debit card
(refund surcharges up to $5/time with receipts)**
|
-Free 3"x5"x21.5" small safe deposit box first year
-“Accidental Death and Dismemberment Insurance”
-Credit card protection service
-Free notary service
-Free photocopies
(limit 10 per month)
-Eye Care Plan of America
Discounts on:
-medical ID kits
-travel services
-pharmacy products
-movie theater tickets
-shopping service
-grocery coupon service
|
* Rewards Checking requirements per monthly qualification cycle are to have at least one direct deposit post and clear, receive electronic statements, and have at least 10 debit card purchases post and clear. If you do not meet the requirements per cycle, your account will still function as a free checking account earning an Annual Percentage Yield (APY) of 0.20%, however; it will not receive automatic ATM refunds for that cycle. You may still redeem your ATM refunds by bringing your receipts into any Midwest Bank branch.
**$1.50 per month fee if ATM/Debit card is used less than 3 times per calendar month as a Point of Sale (POS) purchase.
