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Mobile Banking

Banking at your fingertips...

Midwest Mobile gives you the freedom to manage your accounts around the clock.  We understand that mobile phone usage continues to rise dramatically across all age groups, which is why we continue to encourage our customers to enjoy the ease of use and accessibility to their account information using their mobile phone.  You can access your account information by downloading our app, logging in through our mobile website or by texting simple commands.

Midwest Mobile App

If you're used to operating in an App environment, we have you covered.  Use the downloadable application (app) service to:

  • Check account balances
  • Review recent account activity
  • Transfer money between accounts
  • Make Deposits
  • Locate the nearest Midwest Bank branch or ATM

  

To use our Midwest Bank app, your mobile device must have an operating system that supports app downloads and may require a data service plan. 

Use the links above to vis the App Store or Google Play to download our app.  To use our app, please make sure your phone is updated to the following:

  • Users with devices on Android KitKat (Level 20) and above will be able to connect.
  • Users with devices on iOS 8 and above will be able to connect.

Mobile Deposit

Why drive to the bank when you can make your deposits right from the palm of your hand?  Using your iPhone, Android or iPad device, just snap a picture of the front and back of your check and submit it using our Midwest Bank App.  It's fast, convenient and FREE for Midwest Bank checking account customers!

Here are some general guidelines of our Mobile Deposit:

  • Standard Daily Deposit Limit (cumulative) is $2,500
  • Standard Deposit Item Limit is $2,500
  • Mobile Deposit Cut-Off time is 4:30
  • Funds are available on the business day following the day of deposit.  If a deposit is made after 4:30pm, the funds are available on the second business day.
  • Original checks must be retained for 15 days but no longer than 30 days after deposit.

To view the Midwest Mobile tutorials in our Education Center, click here.

Instant Balance

Quickly view your current balance without even logging in!  To enable the Instant Balance feature, log in to your app, tap More in the bottom menu and select Instant Balance Settings.  Slide the dot over to enable Instant Balance.  Next time you launch our app, tap the Instant Balance icon above the log in fields and your current balance will show. 

Touch ID  

Use your fingerprint to make logging in to your app a breeze!  Our app uses the fingerprint already stored on your device to easily log in.  To make sure your Touch ID is available, tap More in the bottom menu and select Touch ID Settings.  Slide the dot over to enable Touch ID.

Mobile Web

To view your accounts, simply open your browser and visit our website, midwestbank.com, and log in to view your accounts as you would on a computer. 

With this service, you can:

  • Check account balances
  • Review recent account activity
  • Transfer money between accounts
  • Pay bills
  • Change and cancel pending payments
  • Locate ATMs & branches

Text Banking

You don't need internet access on your phone to access your account information!  With text-enabled mobile phones, you can: 

  • View real-time account balances
  • View recent transaction history
  • Locate ATMs & Branches

To use our Text Banking service, your mobile device must send and receive text messages to and from a short code.  Most mobile devices are capable of sending and receiving text messages, so your phone is most likely compatible with Midwest Mobile.  Please note that some mobile service carriers charge for outgoing text messages or for each message sent and received.  Message & data rates may apply. 

Text Banking Commands (Text to 96924)

BAL = returns the balance for all accounts enrolled in Midwest Mobile.
BAL (account nickname) = returns the balance for the specified account (example:  BAL CKNG)
HIST (account nickname) = returns the transaction history for the account.  (example: HIST CKNG)  Reply NEXT to receive the next group of transactions.  Repeat to receive more transaction history.
ATM + zip code  = returns the ATM locations for Midwest Bank.  (example: ATM 68767)
BRANCH + zip code = returns the branch locations for Midwest Bank. (example: BRANCH 68701)
BOTH + zip code = returns both the branch and ATM locations for Midwest Bank. (example: BOTH 68467)
HELP = returns assistance for unknown Midwest Mobile short code and text banking commands.  Message and data rates may apply.
STOP = cancels Midwest Mobile service.  Message and data rates may apply.

Frequently Asked Questions...

  • Is Midwest Mobile secure?

    Midwest Mobile employs industry best practices with regards to security. It has been assessed against industry security criteria by a number of independent system security experts.

    At a high level, Midwest Mobile offers the following security safeguards:

    • Authentication - Mobile browser and application solution customers are authenticated for every interaction with any Midwest Mobile component. Customers are authenticated by username and password or by utilizing existing login credentials for single sign-on.
    • Encryption - 128-bit encryption is used for all transactions within Midwest Mobile and between Midwest Mobile and other Fiserv solutions.
    • Fraud - Midwest Mobile incorporates mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.
    • Availability/Resilience - Midwest Mobile is protected against malicious attacks through software and server hardening measures.
    • Audit Ability - Midwest Mobile provides full audit capabilities through event logs and event-based reporting.
  • Is my personal or financial information stored on my phone?

    No. Midwest Mobile does not save any files with personal or financial information on your mobile device. That information stays strictly within online banking. Some phones (e.g., BlackBerry, Android) have logo and branding files that are copied to the mobile device. Those files do not contain any personally identifiable information.

  • Which accounts can I access using Midwest Mobile?

    You can access any account you have set up in Online Banking. You select which accounts you want to access using Midwest Mobile during the enrollment process.

  • How current is the account and transaction information?

    When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions. Pending transactions do not display.

  • Can I add more than one mobile phone?

    Yes. You can enroll several mobile devices for Midwest Mobile. To add a new phone, log into Online Banking using a computer. Choose "options" at the top of the page. Under your Mobile Banking Profile, choose "Manage Devices". Click "Add New Phone".

  • What if my phone number changes?

    If your mobile phone number changes, simply update your mobile phone number in Midwest Mobile. To do so, log into Online Banking using a computer. Choose "options" at the top of the page. Under your Mobile Banking Profile, choose "Manage Devices". There you can update your phone number.

  • What if my phone is lost or stolen?

    If your mobile phone is lost or stolen, no one can access your account without first knowing your password and, in some cases, your unique user name. To prevent unauthorized access to your account, you can deactivate your phone in Midwest Mobile. To do so, log into Online Banking using a computer. Choose "options" at the top of the page. Under your Mobile Banking Profile, choose "Manage Devices". There you can choose to "stop using this phone for Mobile Banking".

  • How do I stop using Midwest Mobile on my phone?

    To stop using Midwest Mobile on your phone, log into Online Banking using a computer. Choose "options" at the top of the page. Under your Mobile Banking Profile, choose "Manage Devices". There you can choose to "stop using this phone for Mobile Banking".

  • Which phones can I use for Midwest Mobile?

    Hundreds of models are supported including these major brands: iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo and Sony Ericsson. Phones on a number of different operating systems are supported including, but not limited to, Android, BlackBerry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.

  • Which mobile service carriers support Midwest Mobile?

    Midwest Mobile works on all major mobile service carriers in the U.S.: AT&T, Sprint, T-Mobile®, U.S. Cellular® and Verizon Wireless. Midwest Mobile also works on a number of the smaller service carriers, including, but not limited to, Boost Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless and Virgin Mobile USA.

  • I have a prepaid plan, can I use Midwest Mobile?

    Midwest Mobile works with most prepaid plans, but we cannot guarantee that your carrier supports standard U.S. short codes. T-Mobile does not support short codes.