Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Explore Your Options

Find the account that fits your financial needs and makes managing your money easier.

Midwest Rewards

Get rewarded for how you bank.

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  • Cash Back on debit card purchases excluding ATM transactions
  • Competitive Interest
  • One free box of checks per year
  • $100 minimum opening deposit
Mint Checking

Fresh and flexible account for debit card users.

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  • Tiered interest rate based on account activity
  • $100 minimum opening deposit
  • Perks like ATM fee refunds
  • Mobile Check Deposit
Capital Plus Checking

Premium interest for larger balances.

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  • No fixed terms or maturity
  • Tiered interest based on average monthly balance
  • 100% funds availability
  • No broker fees or commissions
Personal Money Market

Higher earnings with everyday access.

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  • Tiered interest based on average monthly balance
  • $1,000 minimum opening deposit
  • Money market rates on funds that are federally insured
  • No fixed terms or maturity
Teen Checking

Easy, secure and teaches financial responsibility.

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  • Teaches responsibility and debit card usage
  • Free online and mobile banking
  • $50 minimum opening deposit
  • Allows teen to make spending decisions
Hometown Checking

Simple, reliable, and built for everyday life.

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  • No minimum balance
  • $100 minimum opening deposit
  • Free E-Statements
  • Mobile Check Deposit

See Compare Accounts Page for Additional Details.

Features & Benefits

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Instant Issue Debit Cards

Receive your debit card printed the same day you open your account — no waiting needed.

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Digital & Mobile Banking

Securely manage your money anywhere. Check balances, transfer funds, and deposit checks with ease.

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Fraud Protection & Security

Our advanced systems help detect and prevent fraud. Includes zero-liability protection for unauthorized debit card transactions.

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Free E-Statements

View, download, and store your statements securely — free with every account. Paper statements available for $5/month.

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Local Customer Support

Enjoy banking with people who know you. Our local team is ready to help — in person, online, or by phone.

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Contactless Visa® Debit Card with Card Controls

Pay faster and safer with your contactless Visa® debit card. Plus, set spending limits, lock your card, and get instant transaction alerts.

Visa® is a registered trademark of Visa International Service Association. Contactless payments subject to merchant acceptance. See the Account Details page for full terms, conditions, and fee schedules.

Visit a Branch

Find a Midwest Bank branch near you — visit us to open your account or get friendly, local support.

What to Bring to Open an Account
  • Valid government-issued photo ID
  • Social Security number
  • Initial deposit (amount varies by account type)
  • Proof of address (if different from ID)

Need Help?

Our customer service team is available to answer your questions.

Frequently Asked Questions

Find answers to common questions about our checking accounts.

What is Midwest Bank’s routing number?

Our routing number is 071102500. You can also find it on your checks at the bottom left.

How do I enroll in e-statements?

Login to online banking, select your checking account, then use the blue banner link to send us a message requesting E-Statement enrollment. Choose the account and select “E-Statement Enrollment” as the category.

How do I update my address or contact information?

You can update your address or contact details by logging into digital banking, visiting a branch, or calling our customer service line at 888-309-2265.

What is the cut-off time for ATM transactions?

ATM deposits and withdrawals completed by 8:00 p.m. CST Monday through Friday are processed the same day. Transactions on weekends or bank holidays are processed the next business day.

Are there fees for using out-of-network ATMs?

Midwest Bank charges a $2.00 out-of-network ATM fee. However, keep in mind that the ATM owner may also assess a surcharge. Check the ATM for any posted fees before completing your transaction.

Still have questions?