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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 Statements eStatements (no check images) eStatements (no check images) Paper or eStatements with check images Paper or eStatements with check images eStatements (no check images) Paper or eStatements with check images Paper or eStatements with check images
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 First order of 40 checks free First order of 40 checks free First order of 100 checks free First order of 100 checks free First order of 100 M-Club checks free.
Costs Per Year:
101-200:half price
201+: regular price
First order of 100 M-Club checks free.
Costs Per Year:
101-200:half price
201+: regular price
First order of 100 M-Club checks free.
Costs Per Year:
101-200:half price
201+: regular 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)
Yes Yes Yes Yes Yes Yes Yes
Online Banking Yes Yes Yes Yes Yes Yes Yes
Mobile & Text Banking Yes Yes Yes Yes Yes Yes Yes
Bank-by-Phone Yes Yes Yes Yes Yes Yes Yes
Half-Price Money Orders
(limit 5 per month)
No No No No Yes Yes Yes
Half-Price Money Cashier's Checks
(limit 5 per month)
No No No No Yes Yes Yes
M-Club Discounts from Community Businesses 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.

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.



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