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Checking Accounts

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Choose Your Checking Account

Most of us use our checking accounts almost every day. At Mid America Bank, we believe that you should be able to choose the checking account that has the right mix of features for the way you spend. All of our checking account options include the following benefits:

  • MasterCard® Debit Card1
  • Just a $25 opening deposit
  • Manage your accounts with access to online and mobile banking

If you are interested in opening a checking account at Mid America Bank, please complete our online application.

Open An Account

Account Name

Choose this account if…

Fees & Benefits

Secure Checking with MyScoreBuilder

You want an account that will help protect your identity as you work toward building a better credit score.

$3.95 Monthly Service Charge2

No minimum balance requirement

IDProtect®3 identity theft monitoring and resolution services help protect your identity and monitor your credit score (registration/activation required)

Unlimited check writing

Cellular telephone protection to cover up to $300 of replacement or repair costs for your cell phone if it is stolen or damaged in the U.S. and abroad.4,5

Up to $10,000 in accidental death or dismemberment insurance coverage5,6

Access to a MyScoreBuilder Representative who can help you review your credit report and work toward building a better credit score7

ATM fee reimbursement8

Insurance products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

Reward Checking

You want to earn our highest available interest rate for a checking account.

No minimum balance

Unlimited check writing

Earn our highest checking interest rate when you meet the following statement cycle requirements9

- Make 16 debit card purchases that post and clear10

- Make one or more direct deposit(s) totaling at least $200

- Receive eStatements11

$3.95 monthly service charge (refunded by $0.25 for each debit card purchase during the statement cycle. 16 debit or more debit card purchases per statement cycle eliminates the service charge entirely)

ATM fee reimbursement12

Senior Checking

Must be 50 years of age or older to be eligible for this account

You are aged 50 or older and want exclusive benefits from your checking account.

Identity Theft Resolution Services (registration/activation required)

Paper statements with check images

$3.95 monthly service charge

Select Checking

You want checking that keeps things simple.

Unlimited check writing

$5 minimum balance fee each statement cycle if balance falls below $300 any day of the statement cycle

StartFresh Checking

You need an account to help you establish a new financial beginning.

Qualify for one of Mid America Bank’s other checking accounts after 18 months of maintaining a positive balance

Unlimited check writing

$9.95 monthly service charged (reduced to $6.95 with one or more direct deposits totaling at least $200 each statement cycle)

Money Market 

You want an account that earns interest

$10,000 minimum deposit -$10 minimum balance fee if balance is below $1,000 any day of monthly statement cycle

Tiered interest13 (interest will not be paid if account falls below $1,000 any day of the statement cycle)

1Replacement card fee may apply. See bank for details.

2Service charge waived for account owner less than 23 years old.

3IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service is not available to employees or authorized signers who are not owners). Service is not available to a "signer" on the account who is not an account owner. Service is not available to clubs, organizations, and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household

4Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. Payment for cellular telephone bill must be deducted electronically from Secure Checking account. Covers the first three phones on a cellular telephone bill paid through your checking account. Maximum of two claims per year.

5Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurances.

6Coverage divides equally on joint accounts and reduces by 50% at age 70

7For educational purposes only

8ATM fee reimbursement limited to $20 per statement cycle. Present ATM receipts for reimbursement within 60 days of fee charge.

9Lower APY applies to balances over $10,000 and when qualifications are not met.

10ATM transactions do not count as MasterCard Debit Card purchases

11Paper statements are optional for a fee each statement cycle. Please refer to the Bank’s fee schedule for details.

12ATM fee reimbursement limited to $20 per statement cycle when you meet minimum statement cycle requirements

13Interest is compounded and credited to the account monthly. At our discretion, your interest rate and Annual Percentage Yield (APY) may change at any time. Fees may reduce earnings on this account. To obtain the Annual Percentage Yield (APY) disclosed, you must maintain a minimum balance of $1,000 in the account each day