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.

eChecking
MidAmerica eChecking 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 50 checks is free), no per check charge, eStatements (paper statements are not available with this account), online banking & bill pay, telephone banking and a debit card (subject to approval). In addition, you can receive a 3" x 5" Safe Deposit Box for one year at account opening and an investment or personal financial planning consultation.
 
 
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 and a debit card (subject to approval). With this account, you must keep a minimum average balance of $800 in order to waive the monthly service fee of $6.* You will receive a monthly paper statement with check images, and your first box of standard checks is free. In addition, you can receive a 3" x 5" Safe Deposit Box for one year at account opening 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.
 

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 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.
 
 
M-Club eChecking
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 and a debit card (subject to credit approval). You will receive your first box of designated M-Club checks for free and each box will be half-price thereafter (limit two boxes per year).This account also includes eStatements (paper statements are not available with this account) and you can receive a 3" x 5" Safe Deposit Box for one year at account opening and a 15% discount on safe deposit box rental with auto-debit thereafter. Amenities include half-price on money orders (limit five per month) and many more special M-Club benefits.

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 and a debit card (subject to approval). With this account, you must keep a minimum average balance of $800 in order to waive the monthly service fee of $3.* You will receive a monthly paper statement with check images, and your first box of designated M-Club checks is free with each box half price thereafter (limit two boxes per year). In addition, you can receive a 3" x 5" Safe Deposit Box for one year at account opening and a 15% discount on safe deposit box rental with auto-debit thereafter. Amenities include 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.


M-Club NOW Account
This account offers the bonus of an interest-bearing checking account with the benefits of our 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! You have the option of choosing the Spoon River College Snappers, Canton Little Giant, Lewistown Indians or the standard debit card.

 
 

AND COMING SOON...MACOMB BOMBERS DEBIT CARD!



Compare Accounts

All MidAmerica checking accounts include:
  • Unlimited check writing (no per-check fee)
  • 24-hour Online Banking & Telephone Banking
  • Debit Card (subject to approval)
  • 3" x 5" Safe Deposit Box for one year at account opening

eChecking
Classic Checking
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 50 checks free 
 First box of standard
checks free
First box of standard
checks free

eStatements
(paper statements and check images are not available)
Check images on monthly paper statements or eStatements Check images on monthly paper statements or eStatements

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*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.


M-Club Accounts (for customers age 50 or better)
M-Club accounts enjoy the same benefits as our regular accounts, plus:
  • First box of M-Club checks free, half-price thereafter (limit two boxes per year)
  • Half-price on money orders (limit five per month)
  • 3" x 5" Safe Deposit Box for one year at account opening, 15% discount on safe deposit box rental with auto-debit thereafter
  • And many more special M-Club benefits!
M-Club eChecking
M-Club Checking
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 M-Club checks free
First box of M-Club checks free
First box of M-Club checks free

eStatements(paper statements and check images are not available) Check images on paper statements or eStatements Check images on paper statements or eStatements

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
Call or stop in to reorder checks with a Personal Banker or order your checks online from Harland Clarke, our preferred provider. Ordering checks online from Harland Clarke is as safe and secure as ordering them in person or over the phone. The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential.

M-Club members: To re-order checks, call or stop in so we can apply your M-Club discount!