RateHerald

Monthly fee

$0

$0 a year for an everyday customer: fees and interest, $2,000 kept.

Midland States Bank · Checking account

Midland States Totally Free Checking

$0 a year for an everyday customer. No monthly fee. $50 to open.

Checked Nov 8, 2026Updated

A year, everyday customer
$0
Monthly fee
To open

Offer

Bonus

$25

$50 deposited within 90 days

Midland States Totally Free Checking · Midland States

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

Can you meet it? The bank bonus finderAll bank bonuses

Against the market

How it ranks

#9of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • Bill pay
  • Card lock
  • Contactless card
  • Debit card
  • Joint accounts
  • Mobile check deposit
  • No minimum balance
  • Online opening
  • Spending alerts

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Fees

Monthly fee
Nonemidlandsb.com, checked Nov 8, 2026
Minimum to open
$50midlandsb.com, checked Nov 8, 2026
ATM network
AllPointmidlandsb.com, checked Nov 8, 2026
ATMs in the network
55,000midlandsb.com, checked Nov 8, 2026
Paper statements
Nonemidlandsb.com, checked Nov 8, 2026

Who can open it

Minimum age
18midlandsb.com, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money

See it on midlandsb.com

We don’t earn anything from this link.