Holiday Closing

Bank Midwest offices, drive-up locations and video tellers will be closed Monday, May 27, to honor Memorial Day, a Federal holiday. We'll resume regular hours on Tuesday, May 28. View all holiday closings.

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Personal Checking

When you want premium interest and use your debit card a lot, this is your account.

Plan wisely. Live well.

Open your Great Rewards Checking Account

Here's what you need to know about

Great Rewards Checking

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    Minimum opening deposit


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    Minimum Balance


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    Monthly Fee*


*Eliminate your monthly fee when you carry a daily balance of $10,000 or more or make at least 14 purchases that post and clear during the statement cycle.  The fee is reduced by $0.30 each time you use your debit card.

Great Rewards Account Benefits

  • Earn interest
  • Non-network ATM fee reimbursements— up to $20 per statement cycle, automatically added to your account.
  • One overdraft fee elimination coupon per account holder.


Free Account Features

  • Mastercard® debit card
  • Online banking
  • Mobile banking and mobile deposit*
  • Bill pay
  • Online statements**


*There is no fee from Bank Midwest. Connectivity and usage rates may apply. Contact your wireless provider for more details.


**Paper statements optional for $3 per month.

Interest Rates

  • RATE

    If you don’t meet the qualifications.

  • RATE

    when you meet the qualifications and have a minimum daily balance over $20,000.

  • RATE

    when you meet the qualifications and have a daily balance of $20,000 or lower.

*Annual Percentage Yields (APYs) effective as of April 10, 2024, and subject to change without notice. Fees may reduce earnings.

Earn the most when you meet the following qualifications*


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    Make 14 Mastercard debit purchases each statement cycle.

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    Use one ACH auto debit or direct deposit.

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    Receive online statements.

*Great Rewards Checking Additional Detail: Monthly qualifications to earn the premium rates: 14 debit card purchases, 1 automatic debit or direct deposit, and enroll and receive online statements. Each monthly qualification cycle the qualifications are met: balances up to $20,000 receive APY of 2.00%; and balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in 1.00% – 2.00% APY, depending on the balance. If qualifications are not met, all balances earn 0.01% APY.

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