Everyday Checking If you’re looking for a great value that’s completely digital, this is the perfect option for you. Customized to match your needs Experience the ultimate convenience with easy account access, seamless mobile banking, and secure digital transactions. Open at a Banking Center Features and Benefits Banking with Us Online Banking Mobile Banking Digital Wallets Mobile Check Deposit Online Statements Visa Debit Card Bill Pay Set up Alerts Bank Midwest's perfect pairing Everyday Checking Smarter Savings 1,2 Minimum to Open $100 ($25 if under 25 years of age or over 65 years of age) $25 Monthly Service Charge $5 $3 How to avoid the Monthly Service Charge Have a direct deposit into the account of $500 or more each statement cycle and agree and consent to receive Online Statements OR Maintain a minimum average daily balance of $1,000 or more each statement cycle and agree and consent to receive Online Statements OR Be under 25 years of age OR Be 65 years of age or older Maintain a minimum daily balance of $300 OR Maintain an average daily balance of $600 OR Make deposits and transfers totaling $25 each month OR Be under 25 years of age FAQs Do you offer Overdraft Protection? Overdraft Privilege* comes with eligible accounts as part of our standard overdraft practices. Visit our Overdraft Protection page for more information. What do I need to apply? To apply for a checking or savings account, you will need the following information for each account owner: Social Security number, Driver's license or State ID, home address and email address. If you want to transfer money from an account at another bank, you will also need the account information and routing number found on your checks. How do I access my account? Access your account through online or mobile banking, by calling TeleBank24, or by visiting your local banking center. *Please see the following additional terms and conditions regarding Overdraft Privilege. 1Please refer to the Electronic Funds Transfer Agreement and Disclosure for a definition of pre-authorized debits. 2A transaction fee will not be imposed for the first three (3) debits each month. Additional debits are $1.00 each and the fee will be added to the monthly service charge calculation displayed on your periodic statement.