Checking Accounts

Freedom Checking

An independent checking account available to members ages 16-24. (No parent or joint adult owner required.) No monthly fees or minimum balance, plus the added benefit of earning dividends. 

  • No minimum balance, no monthly fees
  • No annual fee VISA Rewards Debit Card issued instantly when you open your account.
  • Unlimited free ATM withdrawals (within no-surcharge ATM network)
  • Manage your account online with Desktop Banking and free mobile app
  • Free online Bill Payer
  • 24-hour MATT telephone teller
  • Overdraft protection*
  • No minimum deposit to open
  • Free 24/7 ID theft victim resolution service
  • Swipe to Win monthly program: automatic entries to win monthly prizes -- movie tickets, special attraction passes, iTunes cards and more -- every time you use your Mid American VISA debit card


FirstStep Checking

Available to members ages 13 to 15 who take a financial quiz. A parent or other joint adult owner is required on this account. No monthly fees or minimum balance, plus the added benefit of earning dividends. 

  • No minimum balance, no monthly fees
  • No annual fee VISA Rewards Debit Card issued instantly when you open your account.
  • Unlimited free ATM withdrawals (within no-surcharge ATM network)
  • Manage your account online with Desktop Banking and free mobile app
  • Free online Bill Payer
  • 24-hour MATT telephone teller
  • Overdraft protection
  • No minimum deposit to open
  • Free 24/7 ID theft victim resolution service
  • Swipe to Win monthly program: automatic entries to win monthly prizes -- movie tickets, special attraction passes, iTunes cards and more -- every time you use your Mid American VISA debit card

Take your quiz today(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window), print it and bring to any Mid American branch to get on the path to financial freedom.

*Certain qualifications apply.


Preferred Youth Checking

This checking account is for young members ages 16 to 24. No monthly fees or minimum balance, plus the added benefit of earning dividends. An adult joint owner is required for the Preferred Youth Checking Account.

  • No minimum balance, no monthly fees
  • No annual fee VISA Rewards Debit Card issued instantly when you open your account.
  • Unlimited free ATM withdrawals (within no-surcharge ATM network)
  • Manage your account online with Desktop Banking
  • Free online Bill Payer
  • 24-hour MATT telephone teller
  • Overdraft protection*
  • No minimum deposit to open
  • Free 24/7 ID theft victim resolution service


*Certain qualifications apply.


Checking Plus

Flexible access to your funds, plus the benefit of earning dividends on funds in your checking account.

  • Dividends earned on balance of $500+
  • $5 monthly service fee if minimum balance of $500 not maintained
  • No annual fee VISA Rewards Debit Card issued instantly when you open your account.
  • Three free ATM withdrawals per month (within no-surcharge ATM network)
  • Manage your account online with Desktop Banking
  • Free online Bill Payer
  • 24-hour MATT telephone teller
  • Overdraft protection
  • $100 minimum deposit to open
  • Free 24/7 ID theft victim resolution service


*Certain qualifications apply.


e-Checking

Get rewarded with monthly dividends when you use our convenient electronic services.

Earn dividends and pay no monthly fee with these requirements:

  • Direct Deposit
  • 10 monthly VISA Debit Card transactions
  • E-Statement
  • Maintain valid e-mail address

e-Checking pays a higher dividend rate on the first $1,000 and has a better rate than our regular checking accounts on the remaining balance. There is no minimum balance to maintain and no monthly fees if above requirements are met ($5 monthly fee applies if requirements are not maintained) You also get these other benefits:

  • No-annual fee Visa Rewards Debit Card issued instantly when you open your account.
  • Unlimited free ATM withdrawals within our no-surcharge ATM network
  • Manage your account with free Desktop Banking
  • Free online Bill Payer
  • Overdraft protection*
  • Free ID theft protection


*Certain qualifications apply.


Basic Checking

No minimum balance, no monthly fees make this a simple, easy choice.

  • No minimum balance, no monthly fees
  • No annual fee VISA Rewards Debit Card issued instantly when you open your account.
  • Unlimited free ATM withdrawals (within no-surcharge ATM network)
  • Manage your account online with Desktop Banking
  • Free online Bill Payer
  • 24-hour MATT telephone teller
  • Overdraft protection*
  • No minimum deposit to open
  • Free 24/7 ID theft victim resolution service


*Certain qualifications apply.


Woman using her mobile phone for banking

Mobile Banking

We're there for you wherever you are, whenever you need us. Learn More.

Smiling couple shopping online with credit card

Money Matters

Your blog source for money management tips and personal finance advice. Get Started.(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)