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Checking Accounts & Debit Cards

Get a checking account that suits your needs—whether you’re just paying bills, seeking a simple way to manage your household finances, or want all of the bells and whistles. Or perhaps you need a checking account for your Business.

Debit Card Users:
Avoid being declined due to an accidental overdraft — Choose Overdraft Priviledge!

All MidWest Financial checking accounts include:

  • Free ATM Debit Card
  • Access via Internet Banking, including free e-Alerts
  • Free, convenient e-Bill Payment services
  • Free, environmentally-friendly e-Statements and e-Notices
  • Deposit insurance from the NCUA up to at least $250,000

Essential Checking

A simple way to manage your money while getting a fresh start.

Travel Alert!
Planning to travel to one of these countries?»

Debit Card Users:
Avoid being declined due to an accidental overdraft — Choose Overdraft Priviledge!

  • Free ATM Debit Card*
  • Low $5 monthly maintenance fee
  • No transaction fees
  • $20 minimum to open
  • No minimum balance requirements
  • Help with your credit rebuilding plan through Accel
  • Thousands of surcharge-free ATMs nationwide
  • 8 free ATM transaction per month, $2 per transaction thereafter
  • 3 Overdraft options from which to choose
  • Compare with other checking options

*Subject to credit qualification.

Checking account approvals are subject to credit qualifications. Rates and fees are subject to change at any time without notice.

 

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Classic Checking

An easy, practical checking account—one that proves “no frills” can be a luxury!

Travel Alert!
Planning to travel to one of these countries?»

Debit Card Users:
Avoid being declined due to an accidental overdraft — Choose Overdraft Priviledge!

Checking account approvals are subject to credit qualifications. Rates and fees are subject to change at any time without notice.

 

Learn More

Platinum Checking

A smart way to manage your household finances while earning interest.

Travel Alert!
Planning to travel to one of these countries?»

Debit Card Users:
Avoid being declined due to an accidental overdraft — Choose Overdraft Priviledge!

Checking account approvals are subject to credit qualifications. Rates and fees are subject to change at any time without notice. Interest is calculated daily and paid monthly on $1 increments. Interest is paid the first day of each month for the previous month. If the minimum balance is not maintained, a $10 penalty will be assessed at the end of the month.

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Business Basic Checking

A practical solution for your business checking needs.

Travel Alert!
Planning to travel to one of these countries?»

  • Free ATM Debit Card
  • Affordable and easy-to-maintain minimum balance requirements
  • Designed for low transaction activity to avoid activity fees
  • Overdraft Privilege available
  • Convenient night depository service

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Business Plus Checking

An interest-bearing business checking account.

Travel Alert!
Planning to travel to one of these countries?»


  • Free ATM Debit Card
  • Affordable and easy-to-maintain minimum balance requirements
  • Reap the benefits of balance-tiered interest rates — no sweep account needed
  • Designed for moderate transaction activity to avoid activity fees
  • Overdraft Privilege available
  • Convenient night depository service

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Organizational Checking

An ideal solution for your club, group, or small community organization.

Travel Alert!
Planning to travel to one of these countries?»

  • Free ATM Debit Card
  • Affordable and easy-to-maintain minimum balance requirements
  • Designed for low transaction activity to avoid activity fees
  • Overdraft Privilege available
  • Convenient night depository service

Learn More