8accounts we track
- Savings2
- Money market2
- Checking4
Bank in Effingham, IL
Midland States Bank
FDIC-insured · certificate 1040Savings, money market and checking, with every rate from Midland States Bank’s own pages and every rank against the accounts we track.
- Bonus
- $25Midland States Totally Free Checking
Every account we track
Accounts and rates
Savings and money market
A year on $10,000, after feesChecking
Against 1043 checking accountsOffer
Bonuses
$50 deposited within 90 days
Ends Jan 4, 2027Meet it within 90 days
“Open a qualifying consumer checking account in person or online between October 1, 2026 and January 4, 2027, providing promo code BANKGIFT at account opening, with a minimum balance of $50 to open the account and obtain the bonus.”The bank’s page, checked Nov 8, 2026
$50 deposited within 90 days
Ends Jan 4, 2027Meet it within 90 days
“Open a qualifying consumer checking account in person or online between October 1, 2026 and January 4, 2027, providing promo code BANKGIFT at account opening, with a minimum balance of $50 to open the account and obtain the bonus.”The bank’s page, checked Nov 8, 2026
Against the market
How Midland States Bank ranks
Where each ranked account sits on our list for its kind. Further right is higher on the list.
- Midland States Totally Free CheckingChecking account#9 of 1043
- Midland States High Yield CheckingChecking account#223 of 1043
- Midland States Direct Interest CheckingChecking account#253 of 1043
Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.