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Personal Checking Accounts

Manage your money your way. Our checking accounts provide the flexibility to meet your lifestyle and financial needs, letting you manage your money more effectively.

Your Money. Your Choice of Checking.

Choose the checking account that fits your lifestyle and financial goals. All of our checking accounts offer you the flexibility of online and mobile banking wherever you go. 

My Design Rewards Checking - NEW!!!

A checking account designed for you to get rewarded for using it instead of how much money you keep in it. Meet the requirements below to earn a premium interest rate. 

  • Earn 3.5% APY* on balances up to $19,999.99
    • 2.00 APY* on balances $20,000 & over
  • No minimum balance or monthly service charge
  • $500 or more in direct deposits cumulative1
  • 15 point-of-sale debit card purchases2
  • Free eStatements Paper Statement (available for a monthly fee)

*Annual Percentage Yield (APY) 1Per monthly statement cycle. 2Per monthly statement cycle and does not include ATM transactions. $5.00 monthly dormant fee if account has no activity for 6 months and balance in account is less than $100. Cannot be combined with any other promotional offers. Account offered to Consumers and Trusts only. Limit one account per primary account owner. For current interest rates, contact your local branch. If above criteria are not met, 0.25% APY* on all balances in account. 

My Design PLUS Checking

Designed for you if you keep a larger balance and want extra perks like earning interest and more.

  • Earn Interest
  • 3 Free Foreign ATM transactions per month
  • Free Cashier's Checks
  • Free eStatements Paper Statement (available for a monthly fee)
  • Unlimited checks (available for a monthly fee)

$1,500 minimum balance. $5.00 monthly dormant fee if account has no activity for 6 months and balance in account is less than $100. Service charge ($10) waived if you have other deposit & loan accounts with Midwest Bank over $10,000. For current interest rates contact your local branch. 

My Design Checking 

A hassle-free account with no minimum balance, no monthly service fee, no statement fee, and no strings attached. 

  • No minimum balance requirement
  • No monthly service fee
  • Free eStatements Paper Statement (available for a monthly fee)
  • Unlimited checks (available for a monthly fee)

$5.00 monthly dormant fee if account has no activity for 6 months and balance in account is less than $100.

* If you are interested in opening a Business Checking account, please contact your local Midwest Bank branch. 

Features and Benefits for Checking at Midwest Bank

No matter the checking account you select, you'll always have access to the latest banking and money management technology with Midwest Bank. 

$100 minimum to open any checking account.