High Performance Checking Accounts


FREE Checking and a FREE Gift!

Is your current checking account costing you more and giving you less? With Totally FREE Checking from Midland National Bank, you get more. More value. More flexibility. More control. All with NO monthly service charge, NO per check charge, and NO minimum monthly balance requirement. All of our deposit accounts can be opened with just a $50 deposit. And, with several interest-bearing checking accounts available, you also get more variety.

We’ve done our homework. Come in and let us show you the difference between our Totally FREE Checking and other banks’ so-called “free” checking accounts. Review our checking account brochure and see how you can save with one of the our great FREE checking accounts highlighted below – we’re sure you’ll find an account that’s perfect for you.

Receive a FREE Skil 21-pc Ratcheting Screwdriver Set!FREE Gift!

Open a new checking account now and you’ll also get a FREE GIFT ... just our way of saying THANKS. Don't wait! This great FREE gift is available only while supplies last.

We'll Even Buy your Old Checks!

Remember to ask about our check buy-back program -- We’ll 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 account.

Four GREAT money-saving checking accounts, a FREE gift, and up to $25 for your old debit card and unused checks – all great reasons to visit with us today!

  • Totally FREE Checking — Get unlimited check writing, no monthly service charge, no per check charge, with no minimum balance requirement and two FREE boxes of checks – all in a FREE account.
  • 50+ FREE Interest Checking — If you’re age 50 or older, we offer a FREE account especially for you – with FREE checks, no monthly service charge, no minimum balance requirement, unlimited check writing, and you’ll earn competitive interest!
  • VIP FREE Interest Checking — If you have direct deposit or an automatic payment from your account, here’s your chance to earn competitive interest with FREE checks, unlimited check writing, no monthly service charge, and no minimum balance requirement – all in a FREE account.
  • High Interest Checking — Interested in higher interest? You’ll earn it with balances above $1,500 and still get competitive rates with balances below. You’ll also get FREE checks, unlimited check writing, and no service charge on balances above $1,500.

Midland Tell-a-Friend CouponOpen an account now and you’ll also get a FREE Gift! It’s our way of saying thanks. We will also 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 account. 

If 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 a FREE gift when they open a new checking account!

Don’t wait! This great FREE gift is available only while supplies last.

Totally FREE Checking

  • Unlimited check writing
  • No monthly service charge
  • No per check charge
  • No minimum balance requirement
  • Two FREE boxes of checks
  • This is a non-interest-bearing 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.

50+ FREE Interest Checking

If you are age 50 or over, we offer a FREE account especially for you...

  • Account earns competitive interest
  • FREE checks
  • No monthly service charge
  • No minimum balance requirement
  • Unlimited check writing
  • 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.

VIP FREE Interest Checking

If you have direct deposit or an automatic payment from your account, this is the account for you...

  • Account earns competitive interest
  • FREE checks
  • No monthly service charge
  • No minimum balance requirement
  • Unlimited check writing
  • 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.

High Interest Checking

Interested in higher interest? You will earn it with balances above $1,500 and still earn a competitive rate with balances below...

  • Account earns a premium interest rate
  • FREE checks
  • Unlimited check writing
  • No monthly service charge on balances above $1,500
  • 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.

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. 


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 customers’ 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.

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). 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 temporary 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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