At MidAmerica National Bank, we believe in doing all we can to help you manage your finances in the way that suits you best. Whether it's offering financial options for your home or business or simply providing services for your day-to-day banking, we're here to help you one-on-one.
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At MidAmerica National Bank, we understand that what is easy and convenient to one customer might not be easy and convenient to another customer. That is why we offer Telephone Banking as another off-site banking option. Using a touch-tone telephone, you can make inquiries about your accounts and loans and also make transfers at any time of the day or night.
You can access our toll-free Telephone Banking by calling 877-472-9291. If you have never used Telephone Banking before, here's how to get started. Simply dial 877-472-9291 and press "5" to change your PIN (Personal Identification Number). Follow the prompts to enter your account information. When the recording asks you to enter your current PIN, use the last four digits of your SSN (Social Security Number). Then, follow the prompts to change your PIN (for security reasons, please do not use your SSN).
You may now use Telephone Banking to get account information regarding balances, deposits and withdrawals. In order to have the ability to transfer funds between accounts, you must call our Customer Service Department toll-free at 1-877-647-5050 during business hours. Once you have set up your Telephone Banking service for transfers, you will be able to make transactions 24 hours a day.
MidAmerica National Bank is proud to offer Direct Deposit as a service to our customers allowing funds to be automatically deposited to your checking or savings account. With direct deposit, you no longer have to worry about lost or stolen checks, and you have the security of knowing your funds will be deposited even when you are unable to come to the bank. Also, if your money is deposited into an interest-bearing account, it will begin to earn interest right away.
Automatic Transfer/Overdraft Protection
It's simple: to save yourself the time of coming to the bank, and the risk of overdraft charges, you only need to sign an authorization form stating when and where you want your funds to be transferred between your accounts at MidAmerica National Bank. You determine how much will be transferred to cover overdrafts, make payments, or be deposited into your other MidAmerica National Bank accounts. You may set it on a regular schedule (monthly, weekly, etc.) or when an account reaches a certain balance.
Safe Deposit Boxes
Safe deposit boxes are a secure way to keep your personal valuables safe and easy to locate. Offered at all of our banking centers, safe deposit boxes come in various sizes beginning with 3" x 5" and increasing in size to a 10" x 10". All boxes are accessible during banking hours and we provide viewing rooms for you to view the contents. Please note that no insurance coverage is provided on box contents by FDIC or this financial institution, but boxes are housed in fireproof safe vaults.
VISA® Gift Cards
VISA Gift Cards are the perfect gift idea for any occasion. They're safer and more convenient than cash, and they can be used anywhere VISA is accepted within the U.S. You can put as little as ten dollars on the card or as much as one-thousand dollars. Pick up a VISA Gift Card today!
Not available at our West Jackson or East Carroll banking centers in Macomb. A handling fee of $4.00 will be charged per card. Visa gift cards are issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Monthly inactivity fee of $2.95 after 12 consecutive months of inactivity. Lost/stolen replacement card is $5.00.
Debit Cards deduct funds from your checking account. Although they look and act like a credit card, there are no finance fees because the money is simply deducted from your account. Imagine not having to write a check or worry it won't be accepted at an establishment! Because Debit Cards are accepted wherever MasterCard is accepted, they are great for those who like to travel or who simply don't like carrying cash. To find out more about Debit Cards, please read our frequently asked questions section below.
What is the MidAmerica National Bank Debit Card?
It is a debit card that essentially operates as an electronic checkbook at any merchants accepting MasterCard or Shazam. It also doubles as an automated teller machine (ATM) card for making deposits, withdrawals, or transfers between your checking and savings accounts. It can be used at Shazam point-of-sale (POS) terminals, too.
Is the MidAmerica National Bank Debit Card a credit card?
No. As a debit card, it automatically deducts purchases from your checking account rather than adding to the balance on a line of credit.
Why have a debit card?
World of convenience! Use it at any location accepting MasterCard or Shazam. That includes millions of merchants across the world. No need to carry checks or worry about them getting lost or stolen. Plus, you have ATM access 24 hours a day in thousands of locations.
How do I keep track of purchases?
Merchants will give you a receipt for your purchase just as they normally would. Plus, each purchase will be detailed on your monthly checking account statement.
With a MidAmerica National Bank Debit Card, do I still need a credit card?
Yes, if you prefer to buy on credit or if you want to spread out payments. A debit card will not allow making payments over time; the amount is deducted immediately from your checking account.
Can I link my savings account to my MidAmerica National Bank Debit Card?
Yes and no. You can access your savings account via ATMs, however, all purchase transactions will be posted to your checking account.
How safe is the MidAmerica National Bank Debit Card?
Quite safe. To use your card, you must use your personal identification number (PIN) for ATM and point-of-sale transactions. A lost or stolen card is of no value to another person as long as they don't know your PIN. At merchants accepting MasterCard, your signature completes the transaction.
How do I use my MidAmerica National Bank Debit Card?
When making a purchase at a MasterCard location, just present it to the merchant as you would a credit card. For ATM & Shazam point-of-sale transactions, simply follow the instructions on the terminal.
Do I pay interest or finance charges on my purchases?
No, because MidAmerica National Bank Debit Card purchases are posted to your checking account. You are not making a credit purchase subject to finance charges. The only fees may be those associated with your ATM usage.
What happens if I lose my MidAmerica National Bank Debit Card?
Contact us immediately. That's all there is to it. We'll handle all the details.
How do I sign up for the MidAmerica National Bank Debit Card?
Just call us at 877-647-5050 or e-mail us at firstname.lastname@example.org for a simple application. And, be sure to let us know if you have any questions.
Protect your Debit MasterCard® on the internet with MasterCard® SecureCode™. MasterCard® SecureCode™ is an online security service to protect you against unauthorized use of your MidAmerica National Bank Debit Card while shopping online at participating merchants. Register now for MasterCard® SecureCode™.
What is MasterCard® SecureCode™?
MasterCard® SecureCode™ is a service to enhance your Debit MasterCard®. A private code means added protection against unauthorized use of your card when you shop at participating online retailers.
How does MasterCard® SecureCode™ work?
Once you've registered and created your own private SecureCode™, you will be automatically prompted at checkout to provide your SecureCode™ each time you make a purchase with a participating online merchant. Your SecureCode™ is quickly confirmed and then your purchase is completed. Your SecureCode™ will never be shared with the merchant. It's just like entering your PIN at an ATM.
How does MasterCard® SecureCode™ protect me?
When you correctly enter your SecureCode™ during a purchase at a participating online merchant, you confirm that you are the authorized cardholder and your purchase is then completed. If an incorrect SecureCode™ is entered, the purchase will not be completed. Even if someone knows your debit card number, the purchase cannot be completed without your SecureCode™ at a participating merchant. To learn more, go to MasterCard® SecureCode™.
We offer consumer credit cards to fit your lifestyle*:
- Low rate personal cards
- Earn what you want with rewards cards
- Enjoy credit convenience from the bank you trust
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* Subject to credit review and approval. Cards issued by Fifth Third Bank, pursuant to a license from Visa, U.S.A., Inc. or MasterCard International Incorporated.
Once you have your card, securely access your credit card information at www.managemycreditcard.com for the following features:
- View Account Summary Information
- View Payment History
- View Transaction History
- Make Payments Online
- Schedule AutoPay
- Request PIN
- Order Replacement Card