What makes Bank Midwest's personal services different?

You get modern digital tools backed by local people who pick up the phone and help you through life's important decisions. Everything—banking, loans, insurance, investments, and estate planning—lives under one trusted relationship.

Can I manage most of my accounts online?

Yes. Our online and mobile tools allow you to deposit checks, transfer money, pay bills, monitor spending, manage cards, and view statements anytime. And if something goes wrong, our local call team is here to help.

Do I need to visit a branch to get started?

You can open many accounts online, open loans, and explore services digitally. If you prefer in-person support, every branch has a team ready to help.

What if I'm not sure which personal banking service I need?

You don't have to know all the details. Tell us what you're experiencing or what you want to accomplish, and we'll guide you through the options that fit your situation.

Does Bank Midwest offer long-term financial planning support?

Yes. Whether you're investing for the future, creating a trust, or planning your estate, our team helps you understand your choices and build a plan that fits your goals.

Why choose Bank Midwest for personal banking?

Because you get clarity, convenience, and real relationships—not generic service or confusing processes. We believe your financial life should feel simple and supported.

Bank Midwest live chat interface pattern and design element.

Account Switch Kit

Switch from your old bank to Bank Midwest in 5 steps.

Open your Bank Midwest account.

Open a savings, checking or CD online or visit one of our locations and we’ll help you find the right account.

Stop using your old bank account.

Before you close it, allow time for outstanding checks to clear. And, make sure any automatic payments or deposits are transitioned to the new account. Determine how much money to leave in your account to cover outstanding transactions.

Move your direct deposits to Bank Midwest.

Notify your employer and other entities that you have a new Bank Midwest account. To help you get started, we’ve provided this letter example^*:

Change Account for Direct Deposit Letter (PDF)

Direct Deposit Examples:

Payroll
Investment Income
Retirement/Pension
Child Support
Social Security
Tax Refunds

Resources

Social Security Administration: 800-772-1213 | https://www.ssa.gov
Department of Veterans Affairs: 800-827-1000 | https://www.va.gov

Transfer automatic payments and withdrawals to Bank Midwest.

Notify service providers or payees that you’ve opened a new account and to use the new account for future automatic payments. Here’s a sample automatic payment change letter^*:

Update Your Automatic Payment Letter (PDF)

Automatic Payment Examples:

Mortgage/Rent
Car Loan/Lease
Utilities
Student Loan(s)
Insurance
Cable/Satellite TV
Cell Phone/Telephone
Internet Service Provider
Credit Card(s)
Charitable Donations
Gym
iTunes/Google Play

Close your old account.

After all outstanding checks, final direct deposits and/or automatic payments have cleared from your old account and are redirected to your new account, use this pre-written letter to officially close your old bank account^*:

Close Your Old Account Letter (PDF)

Don’t just move all your cash and call it a day. Old payments may still clear your account. Make sure you formally notify your old bank to avoid potential fees.

Destroy old account checks: Once you’re certain you won’t need them anymore, securely destroy them or bring your old checks to any Bank Midwest branch and we can recycle them for you.

Destroy old debit cards: Cut them up and throw them in the trash. It’s difficult, but not necessarily impossible for a fraudster to use an old and even expired debit card, so always err on the side of caution.

*While these letter samples help you collect all the data you’ll need to switch, some companies require the use of their own forms to initiate the switching of accounts.