High Performance Checking Accounts

Is your current checking account costing you more and giving you less? With High Performance Checking from Midland National Bank, you get more. More value. More flexibility. More variety. More control. All of our checking accounts can be opened with just a $50 deposit!

Each new personal checking account includes:

  • FREE Debit Card with UChoose Rewards
  • FREE foreign ATM transactions*
  • FREE Online Banking, Mobile Banking and Bill Pay
  • FREE eStatements with check images
  • FREE Thank You gift
  • FREE FraudGuard Protection
  • Up to $25 for your old debit card and unused checks

We'll Even Buy your Old Checks!

Remember to ask about our check buy-back program -- Weíll pay you up to $25 for your debit card and unused checks from your current bank! Just bring them in when you open your new Midland National Bank account.

FREE Gift!

When you open a new checking account you will receive our great FREE Gift! Itís just our way of saying "thanks". 

Midland Tell-a-Friend CouponIf you are already a Midland National Bank checking customer you can still get our FREE gift! Just Tell-A-Friend about Midland and you'll both get our FREE gift when they open a new checking account!

Donít wait! This great FREE gift is available only while supplies last.


Simplicity Account

Need an easy account with no minimum balance and no interest?

  • No minimum balance requirement
  • No monthly fee
  • Non-interest bearing
  • Free Electronic Statements or $3 monthly paper statement

Depending on account activity, certain charges such as overdraft fees, foreign ATM usage fees, etc. may be incurred.

Interest Account

Do you want to earn better interest on higher balances?

  • Tiered interest earned on balances of $1,500 and $5,000
  • Interest is compounded and credited monthly
  • Free Electronic Statements or $3 monthly paper statement
  • First check order of 50 checks at no charge
  • Maintain a $1,500 to avoid a $6 monthly service fee

Depending on account activity, certain charges such as overdraft fees, foreign ATM usage fees, etc. may be incurred.

Green Account

Do you prefer to bank electronically?

  • Account earns competitive interest on balances over $1,500
  • Interest compounded and credited monthly
  • No monthly service charge
  • No minimum balance requirement
  • Free Electronic Statements (required on Green Account)
  • Open this account with just a $50 deposit

Depending on account activity, certain charges such as overdraft fees, foreign ATM usage fees, etc. may be incurred.

Value Account

Are you looking for an account with something extra?

  • No minimum balance
  • Interest earned on balances of $1,500 or more
  • Interest compounded and credited monthly
  • MasterMoney Debit Card with UChoose Rewards
  • Electronic or Paper Statements included at no charge
  • Two orders (300) checks per year at no charge
  • Three free Money Orders or Cashier's Checks per month
  • Free 2x5 Safe Deposit box for one year
  • $6 monthly service fee

Depending on account activity, certain charges such as overdraft fees, foreign ATM usage fees, etc. may be incurred.

Notice for all Midland Interest-bearing Demand Deposit Accounts: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest is calculated on the average daily balance on all interest bearing deposit accounts. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest. 

*ATM Fee Reimbursement Program: Receive reimbursement of Midland National Bank's and the host bank's fees for up to three foreign ATM transactions per month incurred outside the city limits of Newton, KS by presenting the receipts within 30 days of the transaction date. Offer good on personal accounts only.

Many banks don't bother to check signatures anymore ... MIDLAND DOES!

Check fraud continues to grow, especially at community banks, and with technology, we are able to greatly reduce our customersí fraud exposure by electronically examining and comparing signatures on every check.

Every Midland National Bank checking account is protected by the technology of FraudGuard, a digital signature verification tool that helps us detect and prevent checking account fraud. Every check that is presented to us for payment is scanned and compared to a database of electronic signature samples, ensuring that you, and ONLY YOU, sign your checks.

In addition, every Midland National Bank debit card is protected by the eNFACT (electronic neural fraud analysis card tracking) system. By learning your "normal" debit card purchasing trends and comparing it to current activity, eNFACT detects potential fraudulent debit card activity before it ever happens!

We recognize the many privacy and fraud threats that our customers face every day. That is why protecting our customers and their assets continues to be Midland's top priority.


Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of transaction accounts, visit www.fdic.gov.



NOTICE: Midland National Bank is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. Please contact us with any concerns or comments.

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