Checking Accounts

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.

MidAmerica Free Checking
MidAmerica Free Checking is simple and easy. With a low opening balance of $100 you have an account with no minimum balance, no monthly service fee, unlimited check writing (your first order of 20 checks is free), no per check charge, free online banking & bill pay, free telephone banking, free text message banking and a free debit card (subject to credit approval). This account also includes free Direct Deposit and ACH payments, as well as free online statements (paper statements are not available with this account). In addition, you will receive a free Safe Deposit Box for one year (3” x 5”) and a free investment or personal financial planning consultation.
 
 
MidAmerica Classic Checking
With MidAmerica Classic Checking, a low opening balance of $100 will let you take advantage of unlimited check writing, no per check charge, free online banking & bill pay, free telephone banking, free text message banking and a free debit card (subject to credit approval). With this account, you must keep a minimum average balance of $800 in order to waive the monthly service fee of $6.* This account includes free Direct Deposit and ACH payments. You will receive a monthly paper statement with check images, and your first box of standard checks is free. In addition, you will receive a free Safe Deposit Box for one year (3” x 5”) and a free investment or personal financial planning consultation.
 
*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.
 

MidAmerica NOW Account
What could be better than a checking account that works to build your savings? This interest-bearing checking account has the benefits of MidAmerica Classic Checking, but it allows your deposits to earn interest from the date of deposit to the date of withdrawal. A $10 monthly service fee is charged if your average daily balance falls below $1,500.
 
 
MidAmerica Free M-Club Checking
A simple & easy account for our customers age 50 or better. With a low opening balance of $100 you have an account with no minimum balance, no monthly service fee, unlimited check writing, no per check charge, free online banking & bill pay, free telephone banking, free text message banking and a free debit card (subject to credit approval). You will receive your first box of standard checks for free and each box will be half-price thereafter (limit two boxes per year).This account also includes free Direct Deposit and ACH payments, as well as free online statements (paper statements are not available with this account). In addition, you will receive a free Safe Deposit Box for one year (3” x 5”) and a 15% discount on safe deposit box rental with auto-debit thereafter. Amenities include a free investment or personal financial planning consultation, half-price on money orders (limit five per month), and many more special M-Club benefits.

MidAmerica Classic M-Club Checking
With MidAmerica Classic M-Club Checking for our customers age 50 or better, a low opening balance of $100 will let you take advantage of unlimited check writing, no per check charge, free online banking & bill pay, free telephone banking, free text message banking and a free debit card (subject to credit approval). With this account, you must keep a minimum average balance of $800 in order to waive the monthly service fee of $3.* This account includes free Direct Deposit and ACH payments. You will receive a monthly paper statement with check images, and your first box of standard checks is free with each box half price thereafter (limit two boxes per year). In addition, you will receive a free Safe Deposit Box for one year (3” x 5”) and a 15% discount on safe deposit box rental with auto-debit thereafter. Amenities include a free investment or personal financial planning consultation, half-price on money orders (limit five per month), and many more special M-Club benefits.

*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.


MidAmerica M-Club NOW Account
This account offers the bonus of an interest-bearing checking account with the benefits of our MidAmerica Classic M-Club Account for our customers age 50 or better! Your deposits earn interest from the date of deposit to the date of withdrawal. A $10 monthly service fee is charged if your average daily balance falls below $1,500.


Debit Card Choices
Show your school spirit! When you open any of our checking accounts, you also have the option of choosing the Canton Little Giant debit card, Lewistown Indians debit card or the standard debit card.

Compare Accounts

All MidAmerica checking accounts include:
  • Unlimited check writing (no per-check fee)
  • Free 24-hour Online Banking, Telephone Banking & Text Message Banking
  • Free Direct Deposit and ACH payments
  • Free Debit Card (subject to credit approval)
  • Free Online Bill Pay
  • Free Safe Deposit Box for one year (3" x 5")
  • Free investment or personal financial planning consultation

MidAmerica
Free Checking
MidAmerica
Classic Checking
MidAmerica
NOW Account
Opening Balance $100 $100 $100
Maintenance Fees No Fees A $6 monthly service fee is charged if your average daily balance falls below $800* A $10 monthly service fee is charged if your average daily balance falls below $1,500*
Interest

Extra Benefits
First order of 20 checks free 
 First box of standard
checks free
First box of standard
checks free

Online Statements
(paper statements are not available)
Monthly paper statement with check images Monthly paper statement with check images

Apply Now

Apply Now

Apply Now

*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.


MidAmerica M-Club Accounts (for customers age 50 or better)
M-Club accounts enjoy the same benefits as our regular accounts, plus:
  • Free first box of standard checks, half-price thereafter (limit two boxes per year)
  • Half-price on money orders (limit five per month)
  • Free Safe Deposit Box for one year (3” x 5”), 15% discount on safe deposit box rental with auto-debit thereafter
  • And many more special M-Club benefits!
MidAmerica 
Free M-Club Checking
MidAmerica
Classic M-Club Checking
MidAmerica
M-Club NOW Account
Opening Balance $100 $100 $100
Maintenance Fees No Fees A $3 monthly service fee is
charged if your average daily
balance falls below $800*
A $10 monthly service fee is charged if your average daily balance falls below $1,500*
Interest
Extra Benefits
First order of 20 checks free
First box of standard checks free
First box of standard
checks free

Online Statements
(paper statements are not available)
Monthly paper statement with check images Monthly paper statement with check images

Apply Now

Apply Now

Apply Now

*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.

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/deposit/deposits/unlimited/expiration.html.

Re-Order Checks
You may reorder checks by visiting www.deluxe.com
M-Club members: To re-order checks, call or stop in so we can apply your M-Club discount!