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 E-Checking
MidAmerica E-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, online banking & bill pay, telephone banking, text message banking and a debit card (subject to credit approval). This account also includes Direct Deposit and ACH payments, as well as online statements (paper statements are not available with this account). In addition, you will receive a Safe Deposit Box for one year (3” x 5”) and an 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, online banking & bill pay, telephone banking, text message banking and a 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 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 Safe Deposit Box for one year (3” x 5”) and an 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. Enrollment required.
 

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 M-Club E-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, online banking & bill pay, telephone banking, text message banking and a 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 Direct Deposit and ACH payments, as well as online statements (paper statements are not available with this account). In addition, you will receive a Safe Deposit Box for one year (3” x 5”) and a 15% discount on safe deposit box rental with auto-debit thereafter. Amenities include an investment or personal financial planning consultation, half-price on money orders (limit five per month), and many more special M-Club benefits.

MidAmerica M-Club Checking
With MidAmerica 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, online banking & bill pay, telephone banking, text message banking and a 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 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 Safe Deposit Box for one year (3” x 5”) and a 15% discount on safe deposit box rental with auto-debit thereafter. Amenities include an 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. Enrollment required.


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 Spoon River College Snappers debit card, 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)
  • 24-hour Online Banking, Telephone Banking & Text Message Banking
  • Direct Deposit and ACH payments
  • Debit Card (subject to credit approval)
  • Online Bill Pay
  • Safe Deposit Box for one year (3" x 5")
  • Investment or personal financial planning consultation

MidAmerica
E-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. Enrollment required.

All accounts are subject to credit approval.


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)
  • 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 
M-Club E-Checking
MidAmerica
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 box of standard 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. Enrollment required.

All accounts are subject to credit 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.

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!