Access your accounts on your terms.
Whether you’re at home or on the go — Midwest Bank accounts and services are always with you.
Benefits You’ll Love
- Make deposits using your phone
- Easily keep track of your finances
- Review or download Electronic Statements
- Pay one-time or recurring bills with ease
- Deposit checks anytime, anywhere from your mobile phone
- Simply deposit your check with a few taps of your finger:
- Take a picture of the front and back of your check, following the on-screen instructions
- Select the account into which you want to make the deposit
- Enter the check amount
- Verify that everything on the screen is correct, then hit "Submit"
- We'll confirm that the check has been received
- Save time, avoid unnecessary trips to a branch
Wireless carrier data rates may apply.
- Pay one-time or recurring bills with ease:
- Schedule payments in advance
- Set up payment reminders
- Have all payee information in one convenient place
- Avoid paper clutter
- E-Bills - Receive, view, and manage your bills
- Make more time for yourself; fewer bank trips necessary
- Zelle® is available right from your online and mobile banking account and conveniently located in the same place where you pay your bills.
- Enroll in Zelle® and start sending and receiving money with friends and family!
- Send money to people you know and trust using just their U.S. mobile number or email address
- It is easy to get started. Simply log in to your online banking account or mobile banking app and enroll in Bill Pay. Once your account is verified, return to Bill Pay and select the "Send Money With Zelle®" tab.
- Click here for more details on Zelle®
- Save paper and save the environment
- Fast, free, and easy alternative to paper statements
- Easier to retrieve info when needed
- Eliminate paper clutter
- Reduce chances of fraud and identity theft
- Arrive faster than paper statements
- Simplify recordkeeping
- Easily access past statements
- Ability to download for permanent storage or print if needed
- Receive email notice when new Electronic Statement is ready
Use this calculator to determine your projected earnings from our Midwest Rewards Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
CD (Certificate of Deposit) IRA CD's (Individual Retirement Account) and HSA CD's (Health Savings Account)
Term | Minimum Opening Deposit | Minimum Balance to Obtain APY | Interest Rate | APY |
---|---|---|---|---|
91 Day*#~ | $500 | $500** | 3.45% | 3.49% |
182 Day*#~ | $500 | $500** | 3.45% | 3.50% |
12 Month*#~ | $500 | $500** | 3.60% | 3.65% |
12 Month ($25,000 or more)*#~ | $25,000 | $25,000** | 3.75% | 3.80% |
24 Month*#~ | $500 | $500** | 3.65% | 3.70% |
24 Month ($25,000 or more)*#~ | $25,000 | $25,000** | 3.80% | 3.85% |
30 Month*#~ | $500 | $500** | 3.55% | 3.60% |
30 Month ($25,000 or more)*#~ | $5,000 | $5,000 | 3.26% | 3.30% |
36 Month*#~ | $500 | $500** | 3.55% | 3.60% |
36 Month ($25,000 or more)*#~ | $25,000 | $25,000 | 3.70% | 3.75% |
48 Month*#~ | $500 | $500** | 3.55% | 3.60% |
48 Month ($25,000 or more)*#~ | $25,000 | $25,000 | 3.70% | 3.75% |
60 Month*#~ | $500 | $500** | 3.55% | 3.60% |
60 Month ($25,000 or more)*#~ | $25,000 | $25,000 | 3.70% | 3.75% |
7 Month "Special"*#~ | $500 | $500** |
4.18% |
4.25% |
11 Month "Special"*#~ | $500 | $500** | 3.94% | 4.00% |
54 Month "Special"*#~ | $500 | $500** | 3.94% | 4.00% |
* A penalty may be imposed for early withdrawal.
** Daily balance. The amount of principal in the account each day.
++The interest rate and APY may change after account opening.
~ IRA/HSA transfer fee could reduce the earnings on the CD account.
# Total annual contributions for IRA and HSA CD's may not exceed maximum allowable by law.
Checking Accounts
Account | Minimum to Open | Minimum Balance to Obtain APY | Interest Rate | APY |
---|---|---|---|---|
Midwest HSA Checking~++ | $100 | $0.01** | 0.40% | 0.40% |
~Fees could reduce earnings on the account
**Daily balance. The amount of principal in the account each day.
++ The interest rate and annual percentage yield may change after account opening
Midwest Business Checking with Interest
Daily Balance | Minimum to Open | Minimum Balance to Obtain APY | Interest Rate | APY |
---|---|---|---|---|
$0.01 - $9,999.99 ~++ | $100 | $0.01** | 0.20% | 0.20% |
$10,000 - $49,999.99 ~++ | $100 | $0.01** | 0.25% | 0.25% |
$50,000 - $99,999.99 ~++ | $100 | $0.01** | 0.30% | 0.30% |
$100,000 - $999,999,999.99 ~++ | $100 | $0.01** | 0.40% | 0.40% |
~Fees could reduce earnings on the account
**Daily balance. The amount of principal in the account each day.
++The interest rate and annual percentage yield may change after account opening.
Midwest Business Money Market
Daily Balance | Minimum to Open | Minimum Balance to Obtain APY | Interest Rate | APY |
---|---|---|---|---|
$0.01 - $9,999.99 ~++ | $1,000 | $0.01** | 1.88% | 1.90% |
$10,000 - $49,999.99 ~++ | $1,000 | $0.01** | 2.08% | 2.10% |
$50,000 - $99,999.99 ~++ | $1,000 | $0.01** | 2.57% | 2.60% |
$100,000 - $249,999.99 ~++ | $1,000 | $0.01** | 2.81% | 2.85% |
$250,000 - $499,999.99 ~++ | $1,000 | $0.01** | 3.01% | 3.05% |
$500,000 - $999,999.99 ~++ | $1,000 | $0.01** | 3.40% | 3.45% |
$1,000,000 - $4,999,999.99 ~++ | $1,000 | $0.01** | 3.49% | 3.55% |
$5,000,000 - $999,999,999.99 ~++ | $1,000 | $0.01** | 3.49% | 3.55% |
~Fees could reduce earnings on the account
**Daily balance. The amount of principal in the account each day.
++The interest rate and annual percentage yield may change after account opening.
Midwest Interest Checking
Daily Balance | Minimum to Open | Minimum Balance to Obtain APY | Interest Rate | APY |
---|---|---|---|---|
$0.01 - $9,999.99 ~++ | $500 | $0.01** | 0.20% | 0.20% |
$10,000 - $49,999.99 ~++ | $500 | $0.01** | 0.25% | 0.25% |
$50,000 - $99,999.99 ~++ | $500 | $0.01** | 0.30% | 0.30% |
$100,000 - $999,999,999.99 ~++ | $500 | $0.01** | 0.40% | 0.40% |
~Fees could reduce earnings on the account
**Daily balance. The amount of principal in the account each day.
++The interest rate and annual percentage yield may change after account opening.
Midwest Rewards Checking ++
Balance | Minimum Opening Deposit | Minimum Balance to Obtain APY | Interest Rate | APY |
---|---|---|---|---|
If requirements are met, interest paid on balances up to $25,000 | $100 | $0.01** | 4.00% | 4.07% |
If requirements are met, interest paid on portion of balance above $25,000 | $100 | $0.01** | 0.30% | 0.30%^ |
All balances if qualifications NOT met | $100 | $0.01** | 0.10% | 0.10% |
Rewards Checking Requirements per Monthly Qualification Cycle:
Have at least one posted direct deposit; Be enrolled to receive electronic statements (log in to online banking a minimum of once every 365 days to maintain an active online banking account); Have a minimum of 10 posted debit card purchases.
^Earn up to 4.07% Annual Percentage Yield (APY) on balances between one penny and $25,000, and balances over $25,000 earn 0.30% interest rate on the portion of balance over $25,000, resulting in a range of 4.07% to 1.23% APY depending on the balance. If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.10% APY.
**Daily balance. The amount of principal in the account each day
++ The interest rate and annual percentage yield may change after account opening.
Money Market Savings
Daily Balance | Minimum to Open | Minimum Balance to Obtain APY | Interest Rate | APY |
---|---|---|---|---|
$0.01 - $9,999.99 ~++ | $1,000 | $0.01** | 1.88% | 1.90% |
$10,000 - $49,999.99 ~++ | $1,000 | $0.01** | 2.08% | 2.10% |
$50,000 - $99,999.99 ~++ | $1,000 | $0.01** | 2.57% | 2.60% |
$100,000 - $249,999.99 ~++ | $1,000 | $0.01** | 2.81% | 2.85% |
$250,000 - $499,999.99 ~++ | $1,000 | $0.01** | 3.01% | 3.05% |
$500,000 - $999,999.99~++ | $1,000 | $0.01** | 3.40% | 3.45% |
$1,000,000 - $4,999,999.99 ~++ | $1,000 | $0.01** | 3.49% | 3.55% |
$5,000,000 - $999,999,999.99~++ | $1,000 | $0.01** | 3.49% | 3.55% |
~ Fees could reduce the earnings on the account, including IRA/HSA transfer fees.
**Daily balance. The amount of principal in the account each day.
++The interest rate and annual percentage yield may change after account opening.
Savings Accounts
Account | Minimum Deposit to Open | Minimum Balance to Obtain APY | Interest Rate | APY |
---|---|---|---|---|
Midwest Savings~++ | $100 | $0.01** | 0.55% | 0.55% |
Midwest Business Savings~++ | $100 | $0.01** | 0.55% | 0.55% |
Midwest Young Savers ++ | $0 | $0.01** | 0.55% | 0.55% |
Midwest IRA Savings~++ | $100 | $0.01** | 3.06% | 3.10% |
~ Fees could reduce earnings on the account.
**Daily balance. The amount of principal in the account each day.
++The interest rate and annual percentage yield may change after account opening.