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Online Account Opening

It's as simple as 1, 2, 3. Just a few clicks and you're done. Enjoy Banking Built Better.

With Midland, enjoy the convenience of opening a checking, savings, money market or certificate of deposit in about 10 minutes.

Opening your Midland account online is simple and convenient.
You’ll need the following information:
  • Personal and Contact Information
  • U.S. Address - Online account opening is currently not available for residents of the following states: AZ, CA, CO, KS, KY, LA, NJ, NY, OH, OK, OR, PA, TX, FL.
  • Social Security Number or Employer Identification Number
  • 18 Years of Age with a Government Issued ID
I’m a New Customer
Existing Customer with Online Banking
Existing Customer without Online Banking
Liv Simply >>

Most Popular: A straightforward checking account that doesn’t skimp on features, and no minimum daily balance requirements.

$3 or $0*

🔒 Open in Minutes >>


Liv Unlimited >>

Most Perks: Enjoy free personalized checks, unlimited waived ATM fees*, free paper statements, and earn interest.

$10 or $0*

🔒 Open in Minutes >>
Personal Savings Account >>

A savings account built to support your financial goals now and in the future. Get started saving and earning interest today.

$3 or $0*

🔒 Open in Minutes >>


Money Market >>

An account that earns interest like a savings account and acts like a checking account with easy debit card access.

Earn Up To 3.55% APY*

🔒 Open in Minutes >>
CD Account >>

Take advantage of great rates and guaranteed returns today. Maximize your earnings with interest that is compounded daily.

6, 12, OR 24 MONTHS

🔒 Open in Minutes >>



For business accounts, visit business online account opening.

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Frequently Asked Questions

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Our full suite of digital services lets you bank on your terms.

Online Banking

Make managing your money simple.

Enroll in Online Banking



Mobile Wallet

Skip the card. Pay with your iPhone.

Watch the Tutorial  Learn More




Take full control of your debit card.

Watch the Tutorial  Learn More

Smartwatch Banking

Take your finances wherever you go.

Watch the Tutorial  Learn More



Money Management Tools

Set up budgets and link external accounts for a single view.

Watch the Tutorial



Alexa Voice Banking

Manage your accounts with just your voice.

Watch the Tutorial  Learn More

Enabling E-Statements

Get rid of annoying paper statements.

Watch the Tutorial



Mobile Check Deposit

Deposit your checks fast and easy from your phone.

Watch the Tutorial  Learn More


Visit our Tutorials Page for More Information on Products

We have tutorials for Online Banking, Mobile Banking and Other Digital Services that can simplify managing your money, on your schedule, your way.

View Tutorials Now

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*Liv Simply is $0 with electronic statements or $3 per month with paper statements.

*Liv Unlimited is $0 per month when you have a daily balance of $5,000 or more. Otherwise, $10.Minimum opening deposit for personal checking account is $50. A $40 fee will be charged when account is closed within 180 days after opening. *1) Our ATM fee is waived when using Non-Midland owned ATMs with unlimited fee reimbursement for Liv unlimited accounts. Non-Midland ATM fees still apply. Foreign ATM fees by ATM owners other than Midland States Bank will be charged as the fee occurs. 2) Minimum daily balance to earn interest is $0.01. Accrual of non-cash deposits - interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Your interest rate and annual percentage yield may change at any time. 3) Insurance products are: Not a Deposit. Not FDIC-Insured. Not insured by any federal government agency. Not guaranteed by the Bank. Personal Identity Protection and Cell Phone Protection are subject to additional terms and conditions.

*The Allpoint app can only be used on iPhone and Android devices. Message and data rates from your phone carrier may apply.

*Annual percentage yields (APY) are accurate as of 2/8/2023. Money Market special APYs are 1.76% APY for balances of $.01-$24,999.9 and 3.55% APY for balances of $25,000+. Money Markets are paid with interest beginning to accrue no later than the business day we receive credit for the deposit of the noncash items (for example, checks.) Minimum balance to open a Money Market Account is $2,500 and the minimum daily balance to obtain the disclosed APY is $2,500. Fees could reduce earnings. Your interest rate may change at any time and without notice. This offer may end at any time and without notice. This special is available for personal accounts only.

*Personal savings account - Knock your monthly maintenance fee down to $0 when you keep a minimum daily balance of $250 or receive a monthly electronic deposit (known as ACH) into this account. Otherwise, $3.