Checking Accounts Comparison

MidAmerica National Bank offers a variety of checking accounts to simplify your finances and meet your everyday banking needs. All accounts are designed with your best interests in mind. 

Feature	Great Start Checking**	eChecking	Classic Checking	NOW Account	M-Club eChecking	M-Club Checking	M-Club NOW Account
Initial Opening Deposit Requirement	$50	$100	$100	$100	$100	$100	$100
Monthly Statement Type	eStatement (no check images)	eStatement (no check images)	Classic Statement (with check images)	Classic Statement (with check images)	eStatement (no check images)	Classic Statement (with check images)	Classic Statement (with check images)
Statement Delivery	Online only	Online only	Paper or Online	Paper or Online	Online only	Paper or Online	Paper or Online
Interest Bearing	No	No	No	Yes***	No	No	Yes***
Monthly Service Fee	None	None	$6*	$10	None	$3*	$10
Minimum Balance to Avoid Monthly Service Fee	None	None	$800*	$1,500	None	$800*	$1,500
Check Orders	Available for purchase	Available for purchase	Available for purchase	Available for purchase	Available at discounted price	Available at discounted price	Available at discounted price
Unlimited Check Writing (no per-check fee)	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Free Safe Deposit Box Rental for 1 Year (3"x5") at Account Opening. (New Customers Only)	No	Yes (Discounts available for auto-debit after the first year.)	Yes (Discounts available for auto-debit after the first year.)	Yes (Discounts available for auto-debit after the first year.)	Yes (Discounts available for auto-debit & M-Club after the first year.)	Yes (Discounts available for auto-debit & M-Club after the first year.)	Yes (Discounts available for auto-debit & M-Club after the first year.)
Debit Card (subject to approval)	Available	Available	Available	Available	Available	Available	Available
Online & Mobile Banking	Required	Required	Optional	Optional	Required	Optional	Optional
Text Banking	Available	Available	Available	Available	Available	Available	Available
Bank-by-Phone	Available	Available	Available	Available	Available	Available	Available
Half-Price Money Orders (limit 5 per month)	No	No	No	No	Yes	Yes	Yes
Half-Price Cashier's Checks (limit 5 per month)	No	No	No	No	Yes	Yes	Yes
Merchant Discount Program	No	No	No	No	Yes	Yes	Yes
Discounted M-Club Trips	No	No	No	No	Yes	Yes	Yes

* To avoid the monthly service fee, the account must have an average daily balance of $800 or more. The fee will also be waived if you have one of the following with MidAmerica National Bank: 1) an open mortgage loan; 2) a maintained balance of $2,000 in savings; or 3) $5,000 in a Certificate of Deposit. Enrollment required.

** Great Start Checking Account will automatically change to an eChecking Account when the student reaches 23 years of age.

*** Interest rates are tiered based on the account balance.

All accounts are subject to approval.

Notice: By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum of $250,000 for each ownership category. For more information visit www.fdic.gov.

Get Started Now

• Talk to a Personal Banker at 877-647-5050
• Visit any MNB banking center to open an account today
• Schedule a meeting