Coin Machine
You can have your coins counted automatically for free with our coin machine. You can even watch as your coins are sorted! This service is only available at our Wardsville, Columbia, Jefferson City, Linn and Holts Summit branches.
Safe Deposit Boxes
Safe deposit boxes are a secure way to store important items and documents. Safe deposit boxes come in a variety of sizes and protect your valuables from theft or damage. Ask about our safe deposit rates and options at one of our branches!
Wire Transfers
If you need to transfer funds quickly and securely, you can transfer funds electronically from one bank account to another with our wire transfer service. Contact a Mid America Bank associate to learn more!
Cashier's Checks
If you need a check written to a specific individual or business for a specific amount, visit one of our branches. In just a couple minutes, one of our tellers can have one printed!
Notary Services
Need to get a document notarized? Visit our locations during lobby hours to meet one of our notaries who can help guide you through the process. Best of all, it's free for customers!
Night Deposit
Drop off your bank transactions after our business hours in our night drop box, and we will process them the next business day. It's simple, efficient and convenient!
Overdraft Coverage
Mid America Bank understands that unexpected overdrafts occur from time to time. We offer two overdraft coverage options to help!
- Auto Sweep Overdraft Protection is a service you must enroll in that automatically transfers funds from another Mid America Bank account to pay an item and protect your account from being overdrawn. When used, you will be charged an auto sweep fee of $2 for each transfer, but it costs nothing to have on your account.
- Overdraft Privilege Standard or Extended Coverage is a benefit that is automatically provided to eligible accounts. Overdraft Privilege covers overdrafts up to a limit. When used, you will be charged an overdraft fee of $15 or $30 for each overdraft item paid, but it costs nothing to have on your account. Overdraft Privilege is a secondary coverage used once the source of Overdraft Protection is exhausted.
What Are My Overdraft Coverage Options?
The choice is yours. Consider these ways to cover overdrafts:
Service | Cost |
|---|---|
Overdraft Protection link to another deposit account you have at Mid America Bank1 | $2 fee per transfer |
Overdraft Privilege Standard or Extended Coverage (per item presented)* | No fee if your overdrawn balance is $10 or less $15 Overdraft Fee for transactions $50 or less per item presented* $30 Overdraft Fee for transactions greater than $50 per item presented* |
1Contact us at (573) 635-0019, email us at depositops@midambk.com, or come by a branch to sign up for this service
*Per item presented means each time an item is presented, including representment. We may use the terms "item" and "transaction" interchangeably.*
What is Auto Sweep Overdraft Protection?
Overdraft Protection applies to all types of transactions and may help protect your account from being overdrawn by automatically transferring funds to your checking account from another account you may have at Mid America Bank for a fee.
What is Overdraft Privilege?
Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction.
Mid America Bank may provide you a specific Overdraft Privilege limit depending on the type of account you have. New consumer and business checking accounts will receive a $100 Introductory Overdraft Privilege limit at account opening that will be increased to $500 after 30 days in good standing for consumer accounts or to $1,000 after 60 in good standing for business accounts.
Even if you have Auto Sweep Overdraft Protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.
Please be aware that the Overdraft Privilege amount is not included in your available balance displayed through internet banking, mobile banking, or Mid America Bank ATMs. Please review What Else You Should Know for other important information.
How Much Does Overdraft Privilege Cost?
When Overdraft Privilege is used, an Overdraft Fee will be imposed for overdrafts created by checks, ACH, point-of-sale, ATM transactions, in-person withdrawals, or by other electronic means if your account is overdrawn more than $10. There is no fee if your account balance is overdrawn by $10 or less on any given day. An Overdraft Fee of $15 will be charged for each overdraft transaction of $50 or less. An Overdraft Fee of $30 will be charged for each overdraft transaction over $50. If multiple items overdraw your account on the same day, each item will be assessed an appropriate Overdraft Fee or a Return Item Fee of $30 for items returned to the payee due to insufficient funds. If your business account’s balance remains overdrawn for longer than seven (7) business days, we will charge your account a Continuous OD Fee of $5 for each of the consecutive business days, the account remains overdrawn, beginning with business day eight (8).
If an item is returned because the Available Balance (as defined below) in your account is not sufficient to cover the item and the item is presented for payment again, Mid America Bank (“We”) will charge a Return Item Fee each time it returns the item because it exceeds the Available Balance in your account. Because we may charge a Return Item Fee each time an item is presented, we may charge you more than one fee for any given item as a result of a returned item and representment of the item. When we charge a Return Item Fee, the charge reduces the Available Balance in your account and may put your account into (or further into) overdraft. If, on re-presentment of the item, the Available Balance in your account is sufficient to cover the item we may pay the item, and, if payment causes an overdraft, charge an Overdraft Fee. We may use the terms “Item” and “transaction” interchangeably.
The maximum amount of Overdraft Fees and Return Item Fees that we will charge to your consumer account is $150 per day. This daily limit does not apply to business accounts.
All fees and charges will be included as part of the Overdraft Privilege limit amount. Your account may become overdrawn in excess of the Overdraft Privilege limit amount as a result of the assessment of a fee. The total negative balance, including all fees and charges, is due and payable upon demand. Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all such amounts, as described in the Terms and Conditions of Your Account.
What If I Don't Want Overdraft Privilege?
You can request to discontinue the Overdraft Privilege service in its entirety at any time by contacting us at (573) 635-0019, sending us an email at depositops@midambk.com, or visiting any branch. Without Overdraft Privilege, your insufficient funds items will be returned to the payee and/or declined at the point of purchase, unless you have Auto Sweep Overdraft Protection available to cover the item(s). You will be charged the standard Return Item Fee of $30 for all returned items.
WHAT IF I WANT MID AMERICA BANK TO PAY MY ATM AND EVERYDAY DEBIT CARD OVERDRAFTS (EXTENDED COVERAGE)?
If you want us to authorize and pay overdrafts caused by ATM and everyday debit card transactions (Extended Coverage), tell us by using one of the methods below.
- Call us at (573) 635-0019
- Send us an email at depositops@midambk.com
- Visit one of our convenient branch locations
- Complete the Consent Form, which is available at any branch, and mail it to us at 1511 Friendship Rd., Jefferson City, MO 65101
NOTE: Business accounts automatically have access to Overdraft Privilege for ATM and everyday debit card transactions (Extended Coverage).
What Else You Should Know Consent FormKnow Your Overdraft OptionsMoney Management Tools