Banking That Fits Your Life—Today and Tomorrow
Personal online banking built around your goals, backed by people you trust
Your finances should be simple, secure, and easy to manage, without sacrificing personal support. Get personal online banking with local expertise to help you manage daily spending, save for the future, and plan with confidence.
Checking
Everyday Spending Made Simple
From paying bills to managing daily purchases, your checking account should be easy to use and easy to trust. We offer flexible checking options with secure personal online banking and local support whenever you need it.
Our checking solutions include:
- Accounts Built for You – Convenient access for daily spending, debit card purchases, and bill pay.
- Interest-Bearing Checking – Options that allow eligible balances to earn interest while staying accessible.
- Digital Checking Tools – Online and mobile banking features that help you track transactions, transfer funds, and manage payments.
Your checking account should work as hard as you do. Our options are designed to keep your money accessible, secure, and easy to manage.
Opening Your Checking Account
Bank Midwest offers three convenient checking account options designed to be flexible with your savings goals.
Checking Account Features
- 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.
- Eliminate your monthly fee when you carry a daily balance of $500 or more.
- Annual Percentage Yields (APYs) effective as of December 19, 2025, and subject to change without notice. Fees may reduce earnings.
- 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.
- Certain restrictions and limitations apply to these and other benefits. Full details will be provided when you become a Bank Midwest Debit Mastercard cardholder.
Great Rewards Checking
Get premium interest rates—great for frequent debit card use
$50
Minimum opening deposit
$0
Minimum balance to earn interest
$3.95
Monthly service charge*
*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.
Interest Rates
APY*
1.03-2.02%
When you meet the qualifications and have a minimum daily balance over $20,000
APY*
2.02%
When you meet the qualifications and have a daily balance of $20,000 or lower
APY*
0.01%
If you don’t meet the qualifications
*Annual Percentage Yields (APYs) effective as of December 19, 2025, and subject to change without notice. Fees may reduce earnings.
Earn the most when you meet the following qualifications
- Make 14 Mastercard debit purchases each statement cycle
- Use one ACH auto debit or direct deposit
- 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.
Great Rewards Account Features
- 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.
- Mastercard® debit card
- Online banking
- Mobile banking and mobile deposit*
- Bill pay
- Online statements**
- Bank Midwest Debit Mastercard®***
- Mastercard ID Theft Protection™
- $0 Liability for unauthorized charges
- Fee-free access to cash at 40,000 MoneyPass® network ATMs in the U.S.
*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.
***Certain restrictions and limitations apply to these and other benefits. Full details will be provided when you become a Bank Midwest Debit Mastercard cardholder.
EnVision Interest Checking
Earn steady interest without sacrificing convenience
$50
Minimum opening deposit
$500
Minimum balance to earn interest
$8
Monthly service charge*
*Eliminate your monthly fee when you carry a daily balance of $500 or more.
Interest Rates
APY*
0.10%
*Annual Percentage Yields (APYs) effective as of December 19, 2025, and subject to change without notice. Fees may reduce earnings.
EnVision Account Features
- Your entire balance earns interest
- Online banking
- Mobile banking and mobile deposit*
- Bill pay
- Online statements**
- Bank Midwest Debit Mastercard®***
- Mastercard ID Theft Protection™
- $0 Liability for unauthorized charges
- Fee-free access to cash at 40,000 MoneyPass® network ATMs in the U.S.
*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.
***Certain restrictions and limitations apply to these and other benefits. Full details will be provided when you become a Bank Midwest Debit Mastercard cardholder.
Onederful Checking
Keep things simple with convenient, no-hassle checking and no monthly service charge
$50
Minimum opening deposit
$0
Minimum balance
$0
Monthly service charge
Interest Rates
APY*
0.0%
*No interest available for this account.
Onederful Account Features
- Mastercard® debit card
- Online banking
- Mobile banking and mobile deposit*
- Bill pay
- Online statements**
- Bank Midwest Debit Mastercard®***
- Mastercard ID Theft Protection™
- $0 Liability for unauthorized charges
- Fee-free access to cash at 40,000 MoneyPass® network ATMs in the U.S.
*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.
***Certain restrictions and limitations apply to these and other benefits. Full details will be provided when you become a Bank Midwest Debit Mastercard cardholder.
Great Rewards Checking
Great Rewards Checking
Get premium interest rates—great for frequent debit card use
$50
Minimum opening deposit
$0
Minimum balance to earn interest
$3.95
Monthly service charge*
*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.
Interest Rates
APY*
1.03-2.02%
When you meet the qualifications and have a minimum daily balance over $20,000
APY*
2.02%
When you meet the qualifications and have a daily balance of $20,000 or lower
APY*
0.01%
If you don’t meet the qualifications
*Annual Percentage Yields (APYs) effective as of December 19, 2025, and subject to change without notice. Fees may reduce earnings.
Earn the most when you meet the following qualifications
- Make 14 Mastercard debit purchases each statement cycle
- Use one ACH auto debit or direct deposit
- 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.
Great Rewards Account Features
- 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.
- Mastercard® debit card
- Online banking
- Mobile banking and mobile deposit*
- Bill pay
- Online statements**
- Bank Midwest Debit Mastercard®***
- Mastercard ID Theft Protection™
- $0 Liability for unauthorized charges
- Fee-free access to cash at 40,000 MoneyPass® network ATMs in the U.S.
*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.
***Certain restrictions and limitations apply to these and other benefits. Full details will be provided when you become a Bank Midwest Debit Mastercard cardholder.
EnVision Interest Checking
EnVision Interest Checking
Earn steady interest without sacrificing convenience
$50
Minimum opening deposit
$500
Minimum balance to earn interest
$8
Monthly service charge*
*Eliminate your monthly fee when you carry a daily balance of $500 or more.
Interest Rates
APY*
0.10%
*Annual Percentage Yields (APYs) effective as of December 19, 2025, and subject to change without notice. Fees may reduce earnings.
EnVision Account Features
- Your entire balance earns interest
- Online banking
- Mobile banking and mobile deposit*
- Bill pay
- Online statements**
- Bank Midwest Debit Mastercard®***
- Mastercard ID Theft Protection™
- $0 Liability for unauthorized charges
- Fee-free access to cash at 40,000 MoneyPass® network ATMs in the U.S.
*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.
***Certain restrictions and limitations apply to these and other benefits. Full details will be provided when you become a Bank Midwest Debit Mastercard cardholder.
Onederful Checking
Onederful Checking
Keep things simple with convenient, no-hassle checking and no monthly service charge
$50
Minimum opening deposit
$0
Minimum balance
$0
Monthly service charge
Interest Rates
APY*
0.0%
*No interest available for this account.
Onederful Account Features
- Mastercard® debit card
- Online banking
- Mobile banking and mobile deposit*
- Bill pay
- Online statements**
- Bank Midwest Debit Mastercard®***
- Mastercard ID Theft Protection™
- $0 Liability for unauthorized charges
- Fee-free access to cash at 40,000 MoneyPass® network ATMs in the U.S.
*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.
***Certain restrictions and limitations apply to these and other benefits. Full details will be provided when you become a Bank Midwest Debit Mastercard cardholder.
Compare Account Features
Checking Account Features
- 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.
- Eliminate your monthly fee when you carry a daily balance of $500 or more.
- Annual Percentage Yields (APYs) effective as of December 19, 2025, and subject to change without notice. Fees may reduce earnings.
- 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.
- Certain restrictions and limitations apply to these and other benefits. Full details will be provided when you become a Bank Midwest Debit Mastercard cardholder.
Savings
Smart Savings for Every Stage of Life
Saving looks different depending on your goals. Whether you’re building an emergency fund or planning for the future, our savings accounts make it easy to set money aside and watch it grow.
Great Rate Savings accounts offer:
- Flexible Access – Straightforward savings options help you save consistently and access funds when needed
- Convenient Banking – Mobile and online banking, online statements,* and mobile deposit mean your money goes where you go.
- Savings Growth – Get automatic interest rate boosts as your savings grow
- Peace of Mind – Accounts get FDIC protection up to $250,000, all backed by a personal local team you can trust
With simple options and secure personal online banking, saving becomes a natural part of your financial routine.
*Paper statements optional for $3 per month.
$100
Minimum opening deposit
$100
Minimum balance
$2
Monthly service charge*
*Eliminated when you carry a daily balance of $100 or more
Earn interest based on your account balance:
*Annual Percentage Yields (APYs) effective as of December 19, 2025, and subject to change without notice. $100 minimum opening deposit. Fees may reduce earnings.
Premier Money Market
Earn More with Greater Flexibility
When you want to maximize your interest but aren’t ready to lock your money into a CD, a money market can help you earn more while giving you the access you need.
Money Market features include:
- Greater Flexibility – Make up to six withdrawals per month via ACH, Point of Sale, in person, ATM, telephone, AFT, online, or any other withdrawal or transfer from the account.
- Build Savings – Unlimited online and in-person deposits help you grow your account while earning more.
- Bank Conveniently – Mobile and online banking, online statements,* and mobile deposit means your money goes where you go.
*Paper statements optional for $3 per month.
$50
Minimum opening deposit
$10,000
Minimum balance to avoid monthly service charge*
$10
Monthly service charge*
*If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed.
Earn interest based on your account balance:
**Annual Percentage Yields (APYs) effective as of December 19, 2025, and subject to change without notice. Fees may reduce earnings. If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed. Account restrictions of up to 6 checks per month and up to 6 withdrawals per month. Includes ACH, Point of Sale, in-person, ATM, telephone, AFT, online or any other withdrawal or transfer from the account. Any withdrawals, transfers or checks over these limits will not automatically post to the account and could result in failed transfers or withdrawals, declined debit card transactions, and returned checks. If the withdrawal restrictions on this account are exceeded on more than an occasional basis, Bank Midwest reserves the right to transfer this account to another interest-bearing account type that does not limit withdrawals.
Certificates of Deposit
Predictable Growth You Can Count On
When you’re ready to save with confidence, certificates of deposit offer stability and guaranteed returns. CDs are ideal for funds you don’t need immediate access to and want to grow steadily over time.
Our CD options include:
- Fixed Interest Rates – Locked-in rates that provide predictable earnings.
- Flexible Term Lengths – Choose from a range of maturities to match your financial timeline.
- Secure, Low-Risk Savings – FDIC-insured CDs are a dependable way to grow your money.
Certificates of deposit provide peace of mind and a clear path toward your savings goals.
$500–10,000
Minimum opening deposit
6–60 months
Term options*
$0
Monthly service charge**
*Only 182-day, 12-month, and 24-month CDs can be opened online. CDs with terms beyond 24 months (up to 60 months) must be opened at a branch
**A penalty may be imposed for early withdrawal, which may reduce earnings.
CD Rates:
*Annual Percentage Yields (APY) accurate as of December 19, 2025, and subject to change. Penalty may be imposed for early withdrawal which may reduce earnings.
Health Savings Account
Save Smarter for Healthcare Expenses
Plan ahead and get tax advantages while saving for healthcare costs with a Health Savings Account, available for anyone under age 65 enrolled in an HSA-qualified plan.
Our HSA features include:
- Interest – Earn while you save.
- Tax-Deductible Contributions – Offers convenient tax-free withdrawals by check or debit card for qualified medical expenses
- Flexible Use – Use for qualifying medical, dental, and vision expenses.
- Long-Term Value – Unused funds roll over year after year and stay with you.
With easy access through personal online banking, an HSA gives you greater control over your healthcare spending.
$0
Minimum opening deposit
$0
Minimum balance
$1.25
Monthly service charge
HSA Rates:
*Annual Percentage Yields (APYs) effective as of December 19, 2025, and subject to change without notice. Contribution limits and restrictions apply. Fees may reduce earnings. Consult a tax advisor to discuss your financial situation.
Online & Mobile Banking
Bank Anywhere, Anytime
Personal online banking puts you in control of your finances wherever life takes you. Our digital tools are designed for convenience, security, and simplicity.
Our online and mobile banking features include:
- Mobile Banking App – Check balances, view transactions, and manage accounts on the go.
- Online Statements – Save money, reduce clutter, and get statements faster.
- Mobile Deposit – Deposit checks quickly using your smartphone.
- Bill Pay & Transfers – Pay bills, move money, and schedule payments with ease.
- Manage Debit Cards – Lock or unlock cards and set spending controls for greater security.
With secure mobile banking backed by local support, managing your money is simple, efficient, and always within reach.
Download the App
FAQs: Personal Banking at Bank Midwest
What accounts are available through personal online banking?
You can manage checking accounts, savings accounts, money market, CDs, health savings accounts, loans, and lines of credit all on one secure platform.
Is mobile banking secure?
Yes. At Bank Midwest, we use advanced security measures, monitoring tools, and alerts to help protect your accounts and personal information.
Can I open a checking or savings account online?
Yes. Many personal banking accounts can be opened online, with local support available if you have questions.
What if I’m not sure which account is right for me?
Our team is happy to help. We’ll explain your options clearly and help you choose accounts that match your goals and lifestyle.
Do you still offer in-person support?
Absolutely. You get the convenience of digital banking with the reassurance of local bankers who know you by name.
Ready to Bank with Confidence?
Whether you’re opening your first account, growing your savings, or simplifying how you manage money, Bank Midwest is here to help—online and in person.
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