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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.

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

Hometown Checking

  • Includes all the benefits of Hometown Plus Account at a reduced membership fee of $3.00 per month for customers age 50 or better
  • This is an interest bearing account (based on average daily balance)
  • No per-check charges
  • A deposit of $100 or more is required to open this account
  • $5,000 Accidental Death Insurance
  • All of the benefits of the Hometown Checking can be received free of charge with a minimum daily balance of $200 (Should your balance fall below $200, an $8.00 service fee will be assessed for the month)
  • Other fees may apply

Hometown Plus Checking

  • This is an interest bearing account(based on average daily balance)
  • No minimum balance requirement
  • 400 FREE Midland-style checks provided per calendar year
  • $10,000 Accidental Death Insurance
  • Free personal-size safe deposit box for one year
  • Rebates on everyday purchases for items like groceries and clothing. Members can receive up to $10 every three months
  • A deposit of $100 or more is required to open this account
  • All of the benefits of the Hometown Plus can be received for a monthly membership fee of $6.00
  • Other fees may apply

Hometown 50 Checking

  • All of the benefits of the Hometown 50 can be received for a monthly membership fee of $3.00 for customers age 50 or better
  • This account is an interest bearing account (based on average daily balance)
  • A deposit of $100 or more is required to open this account
  • 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

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

 



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