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 and include our suite of MNB eSolutions . Click here for a comparison chart of all MNB checking accounts

eChecking Apply Compare Accounts

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 and check images are not available with this account), Bank-By-Phone , debit card (subject to approval) and our suite of MNB eSolutions . In addition, new customers can receive free 3" x 5" Safe Deposit Box rental for one year at account opening.

Classic Checking Apply Compare Accounts

With MidAmerica Classic Checking, a low opening balance of $100 will let you take advantage of unlimited check writing, no per check charge (your first order of 120 checks is free), your choice of paper or eStatements (with check images), Bank-By-Phone , debit card (subject to approval) and our suite of MNB eSolutions . With this account, you must keep a minimum average balance of $800 in order to waive the monthly service fee of $6.* In addition, new customers can receive free 3" x 5" Safe Deposit Box rental for one year at account opening.
*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 Apply Compare Accounts Rates

What could be better than a checking account that works to build your savings? MidAmerica 's NOW Account is an interest-bearing checking account with the benefits of Classic Checking, but it allows your deposits to earn interest from the date of deposit to the date of withdrawal. There is unlimited check writing and no per check charge (your first order of 120 checks is free), your choice of or eStatements (with check images), Bank-By-Phone , debit card , and our suite of MNB eSolutions . A $10 monthly service fee is charged if your average daily balance falls below $1,500. In addition, new customers can receive free 3" x 5"   Safe Deposit Box   rental for one year at account opening.

M-Club eChecking Apply Compare Accounts

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, eStatements (paper statements and check images are not available with this account), Bank-By-Phone , debit card (subject to approval) and our suite of MNB eSolutions . 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). In addition, new customers can receive free 3" x 5" Safe Deposit Box rental for one year at account opening and a 15% discount on safe deposit box rental with auto-debit thereafter. M-Club members also enjoy half-price money orders (limit five per month), discounts from community businesses and discounted trips with MidAmerica National Bank.

M-Club Checking Apply Compare Accounts

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, your choice of paper or eStatements (with check images), Bank-By-Phone , debit card (subject to approval) and our suite of MNB eSolutions . With this account, you must keep a minimum average balance of $800 in order to waive the monthly service fee of $3.* Your first box of designated M-Club checks is free with each box half price thereafter (limit two boxes per year). In addition, new customers can receive free 3" x 5" Safe Deposit Box rental for one year at account opening and a 15% discount on safe deposit box rental with auto-debit thereafter. M-Club members also enjoy half-price money orders (limit five per month), discounts from community businesses and discounted trips with MidAmerica National Bank.
*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 Apply Compare Accounts Rates

This account offers the bonus of an interest-bearing checking account with the benefits of our M-Club Checking Account for our customers age 50 or better! Your deposits earn interest from the date of deposit to the date of withdrawal. There is unlimited check writing and no per check charge (your first order of 120 checks is free), your choice of or   eStatements   (with check images),   Bank-By-Phone ,   debit card , and   our suite of MNB eSolutions .   A $10 monthly service fee is charged if your average daily balance falls below $1,500.  In addition, new customers can receive free 3" x 5"   Safe Deposit Box   rental for one year at account opening.
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Compare Accounts

All MidAmerica checking accounts include:

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

checkmark image
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:
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 checkmark image
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

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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.

MNB eSolutions

Re-Order Checks

We partner with Harland Clarke, our check printing provider, to offer you a convenient and safe way to order checks online.

  • Check orders will be sent to the mailing address on your account
  • Any charges will be automatically debited from your checking account when the order is shipped
  • Also available: address labels, checkbook covers, deposit tickets, check registers and more
Check Ordering Options
  • Online Banking Customers: Select the “Reorder Checks” link under the "Services" tab when viewing your checking account(s) within online banking. This option allows you to make address edits.

Login to Online Banking

  • Not an Online Banking Customer: You will need your routing and account numbers which are found on the bottom of your checks (see image below). Also, please note orders must:
    - Have the exact name and address as your last check order
    - Be delivered to the same mailing address as your last check order

check with routing number image

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Please note:

In certain situations, checks cannot be ordered online. Please call 877-647-5050 or visit a MidAmerica National Bank location to complete your order if:

  • It has been longer than 12 months since your last check order.
  • This is your first time ordering checks on this account.
  • You have one of the following accounts: M-Club Checking, M-Club eChecking or M-Club NOW account. This is so we can apply your M-Club discount.

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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