Personal Checking Accounts

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!

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.

"Check fraud continues to grow, especially at community banks,” said Bank President, Ron Lang. “With this technology, we are able to greatly reduce our customers’ fraud exposure by electronically examining and comparing signatures on every check”.

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, eNFACTdetects potential fraudulent debit card activity before it ever happens!

“We recognize the many privacy and fraud threats that our customers face every day. Midland will continue to invest in technologies to help combat these threats,” Lang says. “Protecting our customers and their assets continues to be our top priority."

We have you covered because your peace of mind is what matters to us.
We have you covered because your peace of mind is what matters to

Midland FREE Checking

No monthly service charge
No checking-writing limits or activity limits
No additional accounts necessary to qualify
A deposit of $100 or more is required to open this account
This is a non-interest-bearing account
Other fees may apply

1st Rate Checking

This account earns a "tiered" interest rate on balances of $10,000 and above
There is no service fee for this account
You must maintain a minimum average balance of $10,000 during the month to obtain the disclosed annual percentage yield (APY)
FREE Midland-style checks
This account requires a minimum of $10,000 to open
Other fees may apply

Silver Eagle Maximizer Checking

The Silver Eagle Maximizer is our standard interest earning checking account offered to any person of the age of 50 years or better. The Silver Eagle Maximizer account includes a core of bank products with the following major features and benefits:

This account is an interest earning account (based on average daily balance)
No minimum balance
No monthly service fee
400 FREE Midland-style checks provided per calendar year
Up to three Cashier's Checks or Money Orders per month without a fee
A deposit of $100 or more is required to open this account
Other fees may apply

Personal Checking Accounts

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

We have you covered because your peace of mind is what matters to us.

Midland FREE Checking

1st Rate Checking

Silver Eagle Maximizer Checking

Online Banking

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