Personal Checking
A MidCountry Bank checking account provides easy access to payment services that are best for you – however, wherever, whenever.
Reap the rewards of simple banking services. Direct deposits, using your debit card, and other everyday banking activities reward you for being a loyal MidCountry Bank customer.
To order personal checks CLICK HERE
Checking4Me®
It pays to bank with us. The perfect checking account for anyone looking to earn valuable rewards on services designed to make banking easier.
Features & Perks
- Complimentary Debit MasterCard®
- Complimentary MoneyPass®ATM Transactions1
- Complimentary Online Banking
- Complimentary Online Bill Pay
- Complimentary Mobile Banking®2
- Complimentary eStatements
- Early Pay Direct Deposit
Additional Features
- Access to approximately 40,000 surcharge-free ATMs through the MoneyPass® Network.
- Standard Check Charges Apply
Requirements & Fees
$8 monthly service fee with Rewards Credit. Earn rewards credit each statement cycle to offset the monthly service fee. Accounts must remain in active status to receive rewards credit.8
Rewards Credit lets you earn back your monthly service fee.
- $3 monthly reward for enrolling in eStatements
- $5 monthly reward for 10 or more debit card transactions posted within the statement cycle
- $5 monthly reward for a qualifying electronic deposit into your Checking4Me account each statement cycle10
- $8 monthly reward if your checking account average balance is maintained at $250+
- $8 monthly reward if your relationship balance is maintained at $1,500+6
Banking Perks for Those Under Age 26*
We believe anyone practicing good financial habits at a young age should be rewarded! That is why we offer anyone under age 26 an exclusive $8 monthly reward for banking with us. That is students, teens and youth!
Rewards4Me Checking®
Maintain a larger banking relationship and earn preferred customer discounts for checking and related services.
Features & Perks
- Complimentary Debit MasterCard®
- Complimentary MoneyPass®ATM Transactions1
- Complimentary Online Banking
- Complimentary Online Bill Pay
- Complimentary Mobile Banking®2
- Complimentary eStatements
- Interest Earned on Tiered Balances3
- 1 Complimentary Box of Specialty Checks per Year4
- Up to $5 ATM transaction fee refunded per statement cycle5
- Up to 3 official check fees refunded per statement cycle if your relationship balance is maintained at $10,000+6
- Complimentary 3×5 safe deposit box, or a credit toward a larger box rental if your relationship balance is maintained at $10,000+7
- Early Pay Direct Deposit
Requirements & Fees
$15 monthly service fee with Rewards Credit. Earn rewards credit each statement cycle to offset the monthly service fee. Accounts must remain in active status to receive rewards credit.8
- Monthly service fee waived for customers who are age 55+
- $3 monthly reward for enrolling in eStatements
- $15 monthly reward if your relationship balance is maintained at $10,000+6
- $5 monthly reward if your checking account average balance is maintained at $1000+
- $5 monthly reward for 10 or more debit card transactions posted within the statement cycle
- $5 monthly reward for a direct deposit into your Rewards4Me Checking account each statement cycle9
* Accountholders under age 26 receive a $8 monthly credit from MidCountry to offset the $8 monthly service charge.
1 ATM fees may be charged at non-MoneyPass network machines by the ATM owner.
2 Mobile carrier may charge access fees depending on your individual plan. Check your carrier for specific fees and charges.
3 See current Deposit Rate Sheet for applicable balance tiers and interest rates.
4 Complimentary checks include designated specialty checks in single or duplicate style. Standard billing applies for shipping and handling fees.
5 This benefit is earned if the account activity for the statement cycle includes at least one direct deposit (ACH credit) and 10 + posted debit card purchase transactions.
6 Relationship balance includes all Checking, Savings, Money Market, Certificate of Deposit and Consumer Loan balances related to the social security number (SSN) owner on the checking account. Balances are based on cumulative average balances of deposit accounts maintained during the checking account statement cycle, and current outstanding principal balances of qualified loans. To be included as a related account, the social security number (SSN) owner must be named as an owner or joint owner, borrower or joint borrower on the account.
7 Safe Deposit Boxes and Personal Lockers are not present or available in all locations. Subject to availability. See disclosure 6 for a relationship balance definition.
8 Unused rewards credit does not carry forward beyond the statement cycle in which it is earned. Maximum rewards credit that can be earned is equal to the monthly service fee for the account.
9 Direct Deposit requirement will be met with any ACH credit transaction from an external source during the statement cycle. Internal account transfers do not qualify.
10 A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is (1) a direct deposit made through the Automated Clearing House (ACH) network, or (2) an instant payment processed through the RTP® network (real-time payment system) or FedNowSM Service. Transfers from one account to another, mobile deposits, Zelle®, or deposits made at a branch or ATM are not considered a qualifying electronic deposit.
Compare Checking Accounts
| Checking4Me® | Rewards4Me Checking® | |
|---|---|---|
| Student / Youth Benefit |  | |
| MidCountry Bank Debit Mastercard© | | |
| MoneyPass ATM Transactions | | |
| Online Banking | | |
| Online Bill Pay | | |
| Mobile Banking | | |
| eStatements | | |
| Earns Interest | |
|
| Check Access | | |
| Monthly Service Fee With Rewards Credit1 | | |
1Earn rewards credit each statement cycle to offset the Monthly Service Fee. Accounts must remain in active status to receive rewards credit.
Unused rewards credit does not carry forward beyond the statement cycle in which it is earned. Maximum rewards credit that can be earned is equal to the monthly service fee for the account.
Not sure where to get started? Let us help you.
