midland states bank cd rates

Midland States Bank is a community bank offering a full range of banking Is a CD a good savings option to help you achieve your financial goals? Wildfire Credit Union offers competitive rates on personal and business loans and deposit Online Banking access for transfers and reconciliation. Midland States Bank CD Rates: 30-Month Term 3.00% APY CD Rate Special [IL, MO]. This post may contain references to products from our. midland states bank cd rates

Midland states bank cd rates -

CT & MA

Direct deposit isn’t required but account needs to be open for one year to receive $50 of the bonus. The upside is that the account has no monthly fees to worry about.

First Federal Credit Union $200 Checking Bonus – IA only – No Direct Deposit Required

Direct link to offer

Nice bonus with no monthly fee or direct deposit requirement.

ENT Credit Union $200 Bonus – No Direct Deposit Required – CO only

Direct link to offer

No monthly fees to worry about and doesn’t require a direct deposit.

Ballston Spa National Bank (BSNB) $250 Checking Bonus – Some Areas of NY

Direct link to offer

Previously this had to be opened in branch, but now it can be opened online as well.

Waterstone Bank $250 Checking – WI only

Direct link to bonus

No monthly fee. There is also a $100 money market bonus.

Citizens Bank $400  Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT

Direct link to offer

This is the highest bonus they have offered, it’s hard to keep the account fee free but that shouldn’t really be an issue as you can just pay the monthly fee and still end up ahead.

HomeTrust Bank $400 Bonus – NC, SC, TN, VA

Direct link to offer

Normally this is only a $150 bonus, so this is significantly higher but does require a direct deposit.

Marine Bank $450 Checking Bonus – IN, IL, WI

Direct link to offer

Nice big bonus, shame there is no credit card funding and it seems like they might be ChexSystems sensitive but still worth considering doing.

First Bank Financial Centre (FBFC) $150 Bonus – Direct Deposit Not Required

Direct link to offer

No monthly fees or direct deposit required. $150 donation is also made to a local school program.

First National Bank (FNB) $400 Checking Bonus – MD, DC & OH

Direct link bonus

Nice big bonus with small requirements and you only need eStatements to keep it fee free. There was a $600 version of this bonus in the past, but that was available in less areas.

WinTrust Bank $300 Checking – IL, FL, WI, IN only

Direct link to offer

Much better than the $100 bonus they previously offered. There is also a $200 savings bonus that can be done at the same time.

Seacoast Bank $350 Bonus – FL only

Direct link to offer

There is also a $150 savings bonus that can be done at the same time.

Addition Financial $300 Bonus – FL only

Direct link to offer

Can also refer people and get a $100 bonus as well.

Dedham Savings Bank – $250 Bonus – MA only

Direct link to offer

Better than the standard $100 offer they usually have.

Huntington Bank $200/$500 Bonus – OH, MI, IN, PA, KY, WV & IL – Direct Deposit Not Required

Direct link to offer

$500 bonus is not always available but it is currently available now.

Premier Bank $250 Bonus – OH, MI, IN and PA

Direct link to offer

Bonus is broken down into different $50 increments, so can do a lot of the bonus without needing to do a direct deposit.

Wescom $250 Checking Bonus – CA Only

Direct link to offer

Small amount of credit card funding is nice, although it’s difficult to keep the account fee free.

Fidelity Bank $250 Checking Bonus – MA

Direct link to offer

Requires 12 debit card transactions of $10+ for the first two months.

South State Bank $200 checking Bonus – GA, NC, SC, VA – Direct Deposit Not Required

Direct link to offer

Doesn’t require a direct deposit either.

City National Bank $200 Checking Bonus – VA, WV, OH

Direct link to offer

No monthly fees to worry about.

HarborOne Bank $200 Checking & Savings Bonus – MA, NH, and RI

Direct link to offer

They have offered a bigger bonus in the past, but the requirements for this bonus are much easier to meet.

TD Bank up To $300 Checking Bonus [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]

Direct Link to offer

Excellent bonus, but does have quite a large direct deposit requirement to get the $300 and needs a balance of $2,500 to keep it fee-free. There is also a $200 savings bonus sometimes available, but not this time around.

Investor Bank $250/$350 In Branch Checking Bonus – NY & NJ – Direct Deposit Not Required

Direct link to offer

No longer being advertised online, but the offer itself is still available and worth doing. Bit annoying you need to go into a branch

ACNB/NWSB – $300 Bonus – PA & MD only

Direct link to offers

They have offered a slightly bigger bonus somewhat recently, but I don’t see that coming back anytime soon so I’d recommend jumping on this offer instead.

KeyPoint Credit Union $300 Checking – CA Only

Direct link to offer

Big bonus with a nice amount of credit card funding.

Hancock Whitney $300 Checking Bonus – LA, MS, FL, AL, TX

Direct link to offer

Not as good as the previous bonus that didn’t require a direct deposit, but still worth doing.

Provident Credit Union $300 Checking Bonus – CA only

Direct link to offer

Requires 2 x $400 in debit spend and 2 x $500 direct deposit, but if can manage those it’s a nice bonus. There is a hard pull.

1st United Credit Union $200 Checking Bonus – CA only, Direct Deposit Not Required

Direct link to offer

Nice amount of credit card funding. Bonus is sometimes only $100.

Idaho Central Credit Union (ICCU) $200 Bonus – ID, WA, OR, Direct Deposit Not Required

Direct link to offer

Most of the requirements for this bonus are really easy, but you do need to complete a financial check up for $50 of the bonus.

First Bank $200 – VA & MD – Direct Deposit Not Required

Direct link to offer

This one does have a monthly fee, but fairly easy to avoid plus a nice amount of credit card funding. Direct deposit no longer required and bonus has been increased from $100 to $200.

Direct link to offer

There is also a $100 sa

Fulton Bank $200 Checking Bonus – Direct Deposit Not Required – DE, DC, MD, NJ, PA, & VA

Direct link to offer

Technically this is targeted, but you can google the bank name and the bonus should show up as an ad.

Middlesex Savings Bank $200, Direct Deposit Not Required – MA

Direct link to offer

Only requires 8 debit card purchases and has no monthly fees.

Citadel Bank $300 Checking Bonus – PA only

Direct link to offer

You can also get a $100 savings bonus from Citadel as well which is nice. No monthly fees to worry about either.

Sterling Bank $250/$450 Bonus – NY In Branch Only

Direct link to offer

Bonus would be higher, but both bonuses require a big deposit as well ($15,000 or $50,000)

Independent Bank $250 – MI

Direct link to offer

Can do some of this bonus without the direct deposit which is nice and no monthly fees to worry about.

Home Federal Savings Bank $250 – MN & IA only

Direct link to offer

Previously the bonus was only $200 but could be combined with a savings offer as well.

Stoneham Bank $250 Checking Bonus – MA & NH

Direct link to offer

This account does have a monthly fee but it’s easy to waive.

Five Star Bank – $100/$300 Checking Bonus – NY

Direct link to offer

Bigger bonus is normally $250 and smaller bonus is normally $150. So depends what offer you’re going for if this new offer is better or not.

Regions Bank $200 Checking Bonus + $50 Referral – AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN & TX

Direct link to offer

Been a long time since we’ve seen a bigger bonus than this from Regions and given they are churnable every 12 months you might as well settle for $200 and get that clocking going for another bonus.

Frontier Bank $200 Bonus – IA, MN, SD, NE, ND

Direct link to offer

Requirements are relatively easy to meet and they have an account with no monthly fees to worry about.

Teacher’s Credit Union $200 Checking Bonus – IN & MI

Direct link to offer

Nice amount of credit card funding as well.

Bar Harbor Bank & Trust $200 Checking Bonus – ME, VT & NH

Direct link to offer

They offer a free checking account.

First Financial Bank $100 Checking Bonus + $100 Donation To United Way – Direct Deposit Not Required – IL, IN, KY, OH

Direct link to offer

Can avoid the direct deposit requirement by making three payment transactions (debit card or billpay), also no monthly fees to worry about.

Broadway Bank $200 – TX Only

Direct link to offer

The direct deposit requirement has been increased.

Cap Ed Credit Union $100 Checking Bonus – No Direct Deposit Required – ID only

Direct link to offer

Nice bonus with no monthly fees or direct deposit required.

Southland Credit Union $175 Bonus – CA

Direct link to offer

Not the most exciting bonus, but still worth doing if you live in the area. Nice thing is that direct deposit isn’t required for a lot of the bonus

Sharepoint Credit Union $150 Checking Bonus – MN only

Direct link to offer

Account also offers 5% APY on balances up to $5,000

Tower Federal Credit Union $100 – MD – No Requirements

Direct link to offer

This bonus has no monthly fees or requirements to trigger, making it extremely easy.

Macatawa Bank $150 Checking Bonus – MI – No Direct Deposit Required

Direct link to offer

Nice easy bonus with a decent amount of credit card funding and no monthly fees to worry about.

1st United Credit Union $100 Checking Bonus – CA only – No Direct Deposit Required

Direct link to offer

Bonus is relatively small, but nice amount of credit card funding.

Tower Federal Credit Union $100 Bonus – MD Only – Direct Deposit Not Required

Direct link to offer

Really easy bonus to meet the requirements for and no monthly fees either.

Westfield Bank $100 Bonus – OH Only – Direct Deposit Not Required

Direct link to offer

Any ACH deposit will work for this, doesn’t need to be direct deposit/payroll.

Jovia Financial Credit Union $150 Checking Bonus – NY Only

Direct link to offer

Only requires a small direct deposit and no monthly fee.

Desert Financial Credit Union $100 Referral Bonus For Both Parties – AZ only

Direct link to offer

Requires a referral, but that potentially makes it more profitable for those that do sign up if you can refer some friends/family.

Gesa Credit Union $100 Checking Bonus – WA, ID, OR only

Direct link to offer

This doesn’t require a direct deposit, any ACH will work fine according to the terms. Number of other requirements but worth doing for such a large bonus. Especially with the huge amount of credit card funding available as well.

Sacramento Credit Union $150 Checking Bonus – CA Only

Direct link to offer

No monthly fees to worry about and a small amount of credit card funding but very restricted location requirements.

TruStone Financial $150 – WI & MN only

Direct link to offer

Another smallish bonus with a few requirements, worth considering after doing the bigger/easier bonuses first.

East Boston Savings Bank $100 + Free Gift

Direct link to offer

Free gift is basically worthless, but $100 bonus is still worth it.

Direct link to offer

No monthly fee to worry about and nice amount of credit card funding as well.

Fidelity Bank Up To $200 Bonus – MA only

Direct link to offer

This is a $100 bonus unless you’re an essential worker.

Affinity FCU $150 Bonus – NY, NJ, CT

Direct link to offer

Account also earns 1% cash back on debit card purchases as well.

Byline Bank $150 Bonus – IL, WI

Direct link to offer

Can also be done with the savings account for a total bonus of $300.

Power Financial Credit Union $100  – No Direct Deposit Required – FL only

Direct link to offer

Unfortunately seems to be a hard pull according to most people.

Service Credit Union $100 Checking Bonus, Direct Deposit Not Required (NH/MA)

Direct link to offer

Previously there was a $100 referral bonus for both parties. But this new bonus doesn’t require a direct deposit making it a better option as long as you weren’t getting a friend/family member to refer you. Not sure we will ever see that referral bonus return either.

Premier America Credit Union $100 Bonus – CA & TX

Direct link to offer

No monthly fee to worry about.

Heritage Credit Union $100 – WI & IL – In Branch

Direct link to offer

Pretty small bonus and it also needs to be opened in branch. At least there is no monthly fees to worry about.

California Coast Credit Union $100 Bonus – CA only

Direct link to offer

California Coast sometimes have good CD rates as well. This is a small bonus but worth doing if you’ve already done bigger bonuses listed above.

USE Credit Union $100 Bonus – CA only

Direct link to offer

This is a referral bonus, so the bonus referring you will also receive $100.

Heritage Credit Union – WI & IL only – $100 Bonus

Direct link to offer

No monthly fees to worry about but a relatively small bonus.

Western State Bank – $100 – AZ ND – In Branch Only

Direct link to offer

Another relatively small in branch bonus, still worth doing if you live near a branch and have done the bigger bonuses listed above.

The Bank of Princeton $100 Checking Bonus – NJ & PA, In Branch

Direct link to offer

No monthly fee is required which is nice.

City National Bank – $100 Checking – VA, WV, OH – In Branch

Direct link to offer

Not the most attractive offer given that it’s only $100 and in branch only, but still worth considering for those that have done the bigger bonuses above.

Frontwave Credit Union $100 Checking Bonus – CA – In Branch

Direct link to offer

Bonus isn’t advertised online but still available in branch.

Honor Credit Union $250 Checking Bonus – MI

Direct link to offer

The credit card funding is interesting, but it’s unfortunate about the $15 fee and also the hard pull to open the account.

Old Hickory Credit Union $150 Checking Bonus, Direct Deposit Not Required – TN

Direct link to offer

This would be higher but it’s a hard pull unfortunately.

Highly Region Specific/Branch Specific

Hudson Valley Federal Credit Union $750 Checking Bonus – NY (Westchester or Rockland)

Direct link to offer

Huge bonus, but we don’t know much about this bank and it’s only available in a few small areas.

University Federal Credit Union $300 Checking Bonus – UT

Direct link to offer

Available in Salt Lake County, Utah County, Davis County, Tooele County, Summit County and Wasatch Counties.

Unify Financial Credit Union $150 Bonus – Collin County, TX

Direct link to offer

Not as good as the previous $100 + two LA rams tickets that could be sold for well over $100, but it’s still worth considering/doing if you missed that one. Unfortunately no longer nationwide

Southland Credit Union $200 Checking Bonus – CA Long Beach

Direct link to offer

Only available at the long beach location.

Recent Changes

  • [11/23/21] Added Broadway Bank $200 – TX Only
  • [11/23/21] Added Hancock Whitney $300 Checking Bonus – LA, MS, FL, AL, TX
  • [11/23/21] Added Five Star Bank – $100/$300 Checking Bonus – NY
  • [11/23/21] Added Farm Bureau Bank $250 – NV
  • [11/23/21] Added Penn Community Bank $200 Checking Bonus – Direct Deposit Not Required, PA
  • [11/23/21] Added Power Financial Credit Union $100  – No Direct Deposit Required – FL only
  • [11/22/21] Removed Community Choice Credit Union $100 Bonus – MI
  • [11/21/21] Removed Union Savings Bank $250/$500 Business Checking Bonus – CT
  • [11/16/21] Removed Sandy Spring Bank $200 Bonus – MD, DC & VA
  • [11/15/21] Added First Midwest Bank $500 Business Checking Bonus – In Branch IL, IN, IA, WI
  • [11/15/21] Added Citadel Bank $300 Checking Bonus – PA only
  • [11/14/21] Removed KeyBank $200 Bonus – AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
  • [11/11/21] Added ACNB/NWSB – $300 Bonus – PA & MD only
  • [11/11/21] Added Axos Bank $100 Checking Bonus
  • [11/11/21] Added Idaho Central Credit Union (ICCU) $200 Bonus – ID, WA, OR, Direct Deposit Not Required
  • [11/11/21] Added U.S. Bank $400 Checking Bonus
  • [11/11/21] Added Current $120 + $50 Checking Bonus
  • [11/11/21] Added KeyBank $200 Bonus – AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
  • [11/11/21] Added Affinity Federal Credit Union $150 Bonus
  • [11/11/21] Added U.S. Bank $300 Business Checking
  • [11/11/21] Added American Express Business Checking $300
  • [11/11/21] Added BMO Harris $200/$500 Checking Bonus – AZ, FL, IL, IN, KS, MO, MN and WI
  • [11/9/21] Removed Denmark State Bank $200 Checking Bonus – WI only – Direct Deposit Not Required
  • [11/8/21] Removed San Mateo Credit Union $100, Direct Deposit Not Required – CA
  • [11/8/21] Removed We Florida Financial Credit Union $250 Checking Bonus – FL only
  • [11/8/21] Removed Penn Community Bank $300 Checking Bonus – PA, In Branch Only
  • [11/3/21] Removed North Shore Bank $300 Checking Bonus – Direct Deposit Optional
  • [11/2/21] Removed Chartway Federal Credit Union $100 Referral Bonus – Direct Deposit Not Required
  • [11/2/21] Removed Atlantic Union Bank $250 – VA, MD & NC
  • [10/31/21] Added Frontwave Credit Union $100 Checking Bonus – CA – In Branch
  • [10/31/21] Added Community Choice Credit Union $100 Bonus – MI
  • [10/31/21] Added Stoneham Bank $250 Checking Bonus – MA & NH
  • [10/31/21] Added Citizens Bank $400  Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT
  • [10/30/21] Removed People’s United Bank $300-$400 Checking Bonus – MA, ME NH CT VT & NY
  • [10/28/21] Removed Citizens Bank $400  Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT
  • [10/28/21] Added San Mateo Credit Union $100, Direct Deposit Not Required – CA
  • [10/28/21] Added 1st United Credit Union $200 Checking Bonus – CA only, Direct Deposit Not Required
  • [10/28/21] Added Discover Savings Bonus $150/$200 with $15,000/$25,000 Deposit
  • [10/22/21] Added Home Federal Savings Bank $250 – MN & IA only
  • [10/22/21] Added North Shore Bank $300 Checking Bonus – Direct Deposit Optional
  • [10/22/21] Added Sandy Spring Bank $200 Bonus – MD, DC & VA
  • [10/22/21] Added First Home Bank $500 Business Checking Bonus – FL
  • [10/22/21] Added Old Hickory Credit Union $150 Checking Bonus, Direct Deposit Not Required – TN
  • [10/22/21] Added Union Savings Bank $250/$500 Business Checking Bonus – CT
  • [10/22/21] Added Affinity FCU $150 Bonus – NY, NJ, CT
  • [10/22/21] Added Premier Bank $250 Bonus – OH, MI, IN and PA
  • [10/22/21] Added Heritage Credit Union $100 – WI & IL – In Branch
  • [10/21/21] Added South State Bank $200 checking Bonus – GA, NC, SC, VA – Direct Deposit Not Required
  • [10/21/21] Added Fidelity Bank $250 Checking Bonus – MA
  • [10/21/21] Added Varo Money $126 Bonus, Direct Deposit Not Required
  • [10/21/21] Added Albert Neobank $115 + $75 Bonus
  • [10/20/21] Removed BMO Harris $200/$500 Checking Bonus – AZ, FL, IL, IN, KS, MO, MN and WI
  • [10/20/21] Removed Discover Savings Bonus $150/$200 with $15,000/$25,000 Deposit
  • [10/19/21] Added Fidelity $100 Bonus
  • [10/17/21] Removed South State Bank $200 checking Bonus – GA, NC, SC, VA, FL, AL – Direct Deposit Not Required
  • [10/14/21] Removed Chase $750 Business Checking Bonus
  • [10/7/21] Added Axos Bank $75 Checking Bonus
  • [10/4/21] Added Middlesex Savings Bank $200, Direct Deposit Not Required – MA
  • [10/4/21] Added Premier America Credit Union $100 Bonus – CA & TX
  • [10/4/21] Added Kabbage by American Express $300
  • [10/4/21] Removed Fairwinds Credit Union $100 Referral Bonus
  • [10/4/21] Removed Santander $450 NH, FL, MA, RI, CT, DE, NY, NJ, or PA – In Branch
  • [10/4/21] Removed Five Star Bank – $100/$300 Checking Bonus – NY
  • [10/4/21] Removed Orlando Credit Union $300 Bonus – FL Only
  • [10/4/21] Removed Heritage Credit Union $100 – WI & IL – In Branch
  • [10/4/21] Removed Premier Members Credit Union $200 Checking Bonus – Pueblo County, CO
  • [10/4/21] Removed S&T Bank $300 – PA & OH
  • [10/4/21] Removed Bank of Hope $500 Business Checking Bonus – AL, CA, IL, NJ, NY, TX, VA, WA, In Branch
  • [10/4/21] Removed SAFE Credit Union $400 Bonus – CA Only
  • [10/3/21] Removed UMB Bank $300 Checking Bonus – AZ, CO, IL, MO, NE, OK, KS, TX
  • [10/2/21] Removed Fairwinds Credit Union $100 Referral Bonus
  • [9/30/21] Added Spiral Bank $50, Direct Deposit Not Required
  • [9/30/21] Added Denmark State Bank $200 Checking Bonus – WI only – Direct Deposit Not Required
  • [9/30/21] Added Fulton Bank $200 Checking Bonus – Direct Deposit Not Required – DE, DC, MD, NJ, PA, & VA
  • [9/30/21] Added Penn Community Bank $300 Checking Bonus – PA, In Branch Only
  • [9/30/21] Added Discover Savings Bonus $150/$200 with $15,000/$25,000 Deposit
  • [9/30/21] Added Chartway Federal Credit Union $100 Referral Bonus – Direct Deposit Not Required
  • [9/30/21] Added Lili Bank $100 + $70 – No Direct Deposit Required
  • [9/30/21] Added Regions Bank $200 Checking Bonus + $50 Referral – AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN & TX
  • [9/28/21] Removed Kabbage By AmEx – $300
  • [9/25/21] Removed Trustco Bank $100 Checking Bonus – FL, MA, NJ, NY, VT
  • [9/21/21] Removed KeyBank $200 Bonus – AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
  • [9/21/21] Removed U.S. Bank $400 Checking Bonus
  • [9/19/21] Removed HSBC $400 Business Checking Bonus
  • [9/16/21] Removed FNBO Bank – $250 – Direct Deposit Optional – CO, KS, NE, IA, SD, IL, KS, TX
  • [9/14/21] Added Atlantic Union Bank $250 – VA, MD & NC
  • [9/14/21] Added Independent Bank $250 – MI
  • [9/14/21] Added Seacoast Bank $350 Bonus – FL only
  • [9/14/21] Added MidFirst Bank $300 Bonus – Direct Deposit Not Required – AZ only
  • [9/14/21] Added First National Bank (FNB) $400 Checking Bonus – MD, DC & OH
  • [9/14/21] Added Santander $450 NH, FL, MA, RI, CT, DE, NY, NJ, or PA – In Branch
  • [9/14/21] Added Monifi $250 Checking Bonus
  • [9/14/21] Added UMB Bank $300 Checking Bonus – AZ, CO, IL, MO, NE, OK, KS, TX
  • [9/14/21] Added VantageWest Credit Union $300 – AZ Only – Direct Deposit Not Required
  • [9/11/21] Removed Old National Bank $200 Bonus – IN, KY, MN & MI
  • [9/7/21] Removed First Commonwealth Federal Credit Union $250 Checking Bonus – PA, NJ
  • [9/7/21] Removed Bank & Trust $600 Checking Bonus
  • [9/7/21] Removed Monifi $250 Checking Bonus
  • [9/7/21] Removed Orange County’s Credit Union $100 Checking Bonus CA Only
  • [9/2/21] Removed Midland States Bank $250 Bonus – IL, MO
  • [8/27/21] Removed UnionBank $300 Bonus – Direct Deposit Not Required – CA, OR, WA
  • [8/27/21] Removed Harborstone Credit Union $100 Bonus – WA only – Direct Deposit Optional
  • [8/24/21] Added WinTrust Community Bank $300 Bonus – IL, WI, FL
  • [8/24/21] Added GTE Financial $100 Checking Bonus – Direct Deposit Not Required
  • [8/23/21] Added Trustco Bank $100 Checking Bonus – FL, MA, NJ, NY, VT
  • [8/23/21] Added Teacher’s Credit Union $200 Checking Bonus – IN & MI
  • [8/19/21] Added Brex Up To 110,000 Points
  • [8/19/21] Added FNBO Bank – $250 – Direct Deposit Optional – CO, KS, NE, IA, SD, IL, KS
  • [8/19/21] Added KeyBank $200 Bonus – AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
  • [8/19/21] Added Chime – $250-290 Bonus
  • [8/19/21] Removed Broadway Bank $200 Bonus – TX
  • [8/18/21] Added South State Bank $200 checking Bonus – GA, NC, SC, VA, FL, AL – Direct Deposit Not Required
  • [8/18/21] Added S&T Bank $400 – PA & OH – Direct Deposit Not Required
  • [8/18/21] Added Albert Neobank $60 + $75 Bonus
  • [8/18/21] Added Premier Members Credit Union $200 Checking Bonus – Pueblo County, CO
  • [8/18/21] Added Addition Financial $300 Bonus – FL only
  • [8/14/21] Removed KeyBank $200 Bonus – AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
  • [8/5/21] Added Sharepoint Credit Union $150 Checking Bonus – MN only
Источник: https://www.doctorofcredit.com/best-bank-account-bonuses/

Midland States Bank provides money-saving products, including competitive CD rates, checking accounts, and savings accounts. This guide will compare the Midland States Bank rates to CD, money market, and savings account rates from the USA’s top banks.

Let’s take a look!

Savings Account Rates

TypeMinimum BalanceAPY
Standard Savings$0.010.05%

Money Market Rates

Minimum BalanceAPY
$2,500.000.02%
$10,000.000.02%
$25,000.000.23%

CD Rates

TermMinimum DepositAPY
12 Month$500.000.15%
24 Month$500.000.25%
36 Month$500.000.40%
48 Month$500.000.45%
60 Month$500.000.60%

Certificates of Deposit vs. Fixed Annuity

The Top Fixed Annuities

Fixed annuities offer a guaranteed return for a set amount of years, similar to a CD. Guaranteed crediting rates for the terms below:

  • 2 YEAR TERM: 2.15%
  • 3 YEAR TERM: 2.60%
  • 4 YEAR TERM: 2.60%
  • 5 YEAR TERM: 3.05%
  • 7 YEAR TERM: 3.25%
  • Grow your money as fast as possible
  • Principal protection
  • Interest rate is locked for the term you select
  • Tax deferred growth
  • Withdraw annually without penalty
  • Lump sum death benefits
  • Accepts cash, 401(k), and IRA Funds

What’s The Difference Between a Fixed Annuity and CD?

FeatureFixed AnnuityCD
Who OffersInsurance CompanyBanks
Premium Amounts$2,500 to $1 Million$500 – No Maximum
Terms2 Years to 20 Years3 Months to 7 Years
Guaranteed Interest RatesUp to 3.25%Up to 1.25%
Principal ProtectionYesYes
Can Lose Money?NoNo
Liquid After Term100%100%
How Are Gains Taxed?Tax-DeferredTaxed Annually
Annual LiquidityUp to 10% AnnuallyNo Liquidity
Who Protects My Money?Insurance Company/SGAFDIC
Accepts IRAYesNo
Accepts 401(k)YesNo
Death BenefitLump-SumLump-Sum

Are Annuities FDIC Insured?

Fixed annuities are not FDIC insured, but they have similar protections for your money. An annuity is an insurance policy guaranteed by the insurance company’s claims-paying ability. The insurance companies are members of the state insurance guarantee associations in each state where they do business. Each state insurance guarantee association protects consumers in the unlikely event that their insurance company fails and defaults on their obligations to their consumers (limits vary per state).

For example, Georgia insures up to $250,000 of the annuity’s cash value per insured life if the insurance company becomes insolvent and can not fulfill its obligations to the insured.

The Best CD Rates Today

3 Month CD Rates

6 Month CD Rates

1 Year CD Rates

2 Year CD Rates

3 Year CD Rates

4 Year CD Rates

5 Year CD Rates

The Best Fixed Annuity Rates Today

Learn the differences and benefits between Fixed Annuities and Certificate of Deposits (CD).

Disclaimer: I may receive a small referral fee if you purchase something using a link in this article.

Midland States Bank: Savings Accounts And Cd Rates (2021)

Shawn Plummer

I’ve sold annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you.

Источник: https://www.annuityexpertadvice.com/rates/midland-states-bank/

Below we’ve listed the best  checking & saving account bonuses in order from best to worst for October, 2021. We’ve also included a little bit of information on each bonus, make sure you click through and read our detailed posts on each offer before signing up – that way you won’t be caught unawares of hidden fees.

Note: This page is updated monthly and keeps the same URL, so feel free to bookmark it or link to it knowing that it’ll be kept up to date. Because of this the comment section might contain discussion about deals that are no longer current, please keep that in mind. You can view the most recent changes by clicking here.

Contents

  • 1 Best Checking Account Bonuses
  • 2 Best Saving Account Bonuses
    • 2.1 Discover Savings Bonus $150/$200 with $15,000/$25,000 Deposit
    • 2.2 Alliant Credit Union $100 Savings
    • 2.3 TD Bank up To $200 Savings Bonus [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]
    • 2.4 Waterstone Bank $100 Savings – WI only
    • 2.5 Byline Bank $150 Bonus – IL, WI
  • 3 Best Business Bank Bonuses
    • 3.1 Brex Up To 110,000 Points
    • 3.2 Kabbage by American Express $300
    • 3.3 American Express Business Checking $300
    • 3.4 U.S. Bank $300 Business Checking
    • 3.5 Citibank Up To $2,000 Business Checking Bonus – In Branch Only
    • 3.6 BMO Harris $200/$500 Checking Bonus – AZ, FL, IL, IN, KS, MO, MN and WI
    • 3.7 Huntington Bank $200/$500/$1,000 – OH, MI, IN, PA, KY, WV & IL
    • 3.8 PNC $200/$500 Business Checking AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV
    • 3.9 First Home Bank $500 Business Checking Bonus – FL
    • 3.10 First Midwest Bank $500 Business Checking Bonus – In Branch IL, IN, IA, WI
    • 3.11 Seacoast Bank $300 Business Checking Bonus – FL Only
    • 3.12 Bar Harbor Bank & Trust $300 – ME, VT & NH
    • 3.13 WinTrust Community Bank $300 Bonus – IL, WI, FL
    • 3.14 Farm Bureau Bank $250 – NV
    • 3.15 Provident Credit Union $150 In Branch Business Checking Bonus – CA
    • 3.16 Hawthorn Bank $150 Business Checking – MO
  • 4 Best State Specific Bonuses
    • 4.1 FirstBank $300 – CA, AZ, CO – Direct Deposit Optional
    • 4.2 S&T Bank $400 – PA & OH – Direct Deposit Not Required
    • 4.3 VantageWest Credit Union $300 – AZ Only – Direct Deposit Not Required
    • 4.4 M&T Bank $200-$400 Checking Bonus – CT, DC, DE, MD, NJ, NY, PA, VA, WV
    • 4.5 OneWest Bank $300 Bonus – Southern CA In Branch – Direct Deposit Not Required
    • 4.6 MidFirst Bank $300 Bonus – Direct Deposit Not Required – AZ only
    • 4.7 First Bank & Trust $300 Bonus – LA & MS
    • 4.8 Flushing Bank $700 Bonus – NY & NJ – Direct Deposit Optional
    • 4.9 bankESB (East Hampton Savings Bank) $200 – Direct Deposit Not Required – MA, CT
    • 4.10 First Federal Credit Union $200 Checking Bonus – IA only – No Direct Deposit Required
    • 4.11 ENT Credit Union $200 Bonus – No Direct Deposit Required – CO only
    • 4.12 Ballston Spa National Bank (BSNB) $250 Checking Bonus – Some Areas of NY
    • 4.13 Waterstone Bank $250 Checking – WI only
    • 4.14 Citizens Bank $400  Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT
    • 4.15 HomeTrust Bank $400 Bonus – NC, SC, TN, VA
    • 4.16 Marine Bank $450 Checking Bonus – IN, IL, WI
    • 4.17 First Bank Financial Centre (FBFC) $150 Bonus – Direct Deposit Not Required
    • 4.18 First National Bank (FNB) $400 Checking Bonus – MD, DC & OH
    • 4.19 WinTrust Bank $300 Checking – IL, FL, WI, IN only
    • 4.20 Seacoast Bank $350 Bonus – FL only
    • 4.21 Addition Financial $300 Bonus – FL only
    • 4.22 Dedham Savings Bank – $250 Bonus – MA only
    • 4.23 Huntington Bank $200/$500 Bonus – OH, MI, IN, PA, KY, WV & IL – Direct Deposit Not Required
    • 4.24 Premier Bank $250 Bonus – OH, MI, IN and PA
    • 4.25 Wescom $250 Checking Bonus – CA Only
    • 4.26 Fidelity Bank $250 Checking Bonus – MA
    • 4.27 South State Bank $200 checking Bonus – GA, NC, SC, VA – Direct Deposit Not Required
    • 4.28 City National Bank $200 Checking Bonus – VA, WV, OH
    • 4.29 HarborOne Bank $200 Checking & Savings Bonus – MA, NH, and RI
    • 4.30 TD Bank up To $300 Checking Bonus [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]
    • 4.31 Investor Bank $250/$350 In Branch Checking Bonus – NY & NJ – Direct Deposit Not Required
    • 4.32 ACNB/NWSB – $300 Bonus – PA & MD only
    • 4.33 KeyPoint Credit Union $300 Checking – CA Only
    • 4.34 Hancock Whitney $300 Checking Bonus – LA, MS, FL, AL, TX
    • 4.35 Provident Credit Union $300 Checking Bonus – CA only
    • 4.36 1st United Credit Union $200 Checking Bonus – CA only, Direct Deposit Not Required
    • 4.37 Idaho Central Credit Union (ICCU) $200 Bonus – ID, WA, OR, Direct Deposit Not Required
    • 4.38 First Bank $200 – VA & MD – Direct Deposit Not Required
    • 4.39 Penn Community Bank $200 Checking Bonus – Direct Deposit Not Required, PA
    • 4.40 Fulton Bank $200 Checking Bonus – Direct Deposit Not Required – DE, DC, MD, NJ, PA, & VA
    • 4.41 Middlesex Savings Bank $200, Direct Deposit Not Required – MA
    • 4.42 Citadel Bank $300 Checking Bonus – PA only
    • 4.43 Sterling Bank $250/$450 Bonus – NY In Branch Only
    • 4.44 Independent Bank $250 – MI
    • 4.45 Home Federal Savings Bank $250 – MN & IA only
    • 4.46 Stoneham Bank $250 Checking Bonus – MA & NH
    • 4.47 Five Star Bank – $100/$300 Checking Bonus – NY
    • 4.48 Regions Bank $200 Checking Bonus + $50 Referral – AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN & TX
    • 4.49 Frontier Bank $200 Bonus – IA, MN, SD, NE, ND
    • 4.50 Teacher’s Credit Union $200 Checking Bonus – IN & MI
    • 4.51 Bar Harbor Bank & Trust $200 Checking Bonus – ME, VT & NH
    • 4.52 First Financial Bank $100 Checking Bonus + $100 Donation To United Way – Direct Deposit Not Required – IL, IN, KY, OH
    • 4.53 Broadway Bank $200 – TX Only
    • 4.54 Cap Ed Credit Union $100 Checking Bonus – No Direct Deposit Required – ID only
    • 4.55 Southland Credit Union $175 Bonus – CA
    • 4.56 Sharepoint Credit Union $150 Checking Bonus – MN only
    • 4.57 Tower Federal Credit Union $100 – MD – No Requirements
    • 4.58 Macatawa Bank $150 Checking Bonus – MI – No Direct Deposit Required
    • 4.59 1st United Credit Union $100 Checking Bonus – CA only – No Direct Deposit Required
    • 4.60 Tower Federal Credit Union $100 Bonus – MD Only – Direct Deposit Not Required
    • 4.61 Westfield Bank $100 Bonus – OH Only – Direct Deposit Not Required
    • 4.62 Jovia Financial Credit Union $150 Checking Bonus – NY Only
    • 4.63 Desert Financial Credit Union $100 Referral Bonus For Both Parties – AZ only
    • 4.64 Gesa Credit Union $100 Checking Bonus – WA, ID, OR only
    • 4.65 Sacramento Credit Union $150 Checking Bonus – CA Only
    • 4.66 TruStone Financial $150 – WI & MN only
    • 4.67 East Boston Savings Bank $100 + Free Gift
    • 4.68 Collins Community Credit Union $100 Bonus – IA only
    • 4.69 Fidelity Bank Up To $200 Bonus – MA only
    • 4.70 Affinity FCU $150 Bonus – NY, NJ, CT
    • 4.71 Byline Bank $150 Bonus – IL, WI
    • 4.72 Power Financial Credit Union $100  – No Direct Deposit Required – FL only
    • 4.73 Service Credit Union $100 Checking Bonus, Direct Deposit Not Required (NH/MA)
    • 4.74 Premier America Credit Union $100 Bonus – CA & TX
    • 4.75 Heritage Credit Union $100 – WI & IL – In Branch
    • 4.76 California Coast Credit Union $100 Bonus – CA only
    • 4.77 USE Credit Union $100 Bonus – CA only
    • 4.78 Heritage Credit Union – WI & IL only – $100 Bonus
    • 4.79 Western State Bank – $100 – AZ ND – In Branch Only
    • 4.80 The Bank of Princeton $100 Checking Bonus – NJ & PA, In Branch
    • 4.81 City National Bank – $100 Checking – VA, WV, OH – In Branch
    • 4.82 Frontwave Credit Union $100 Checking Bonus – CA – In Branch
    • 4.83 Honor Credit Union $250 Checking Bonus – MI
    • 4.84 Old Hickory Credit Union $150 Checking Bonus, Direct Deposit Not Required – TN
  • 5 Highly Region Specific/Branch Specific
  • 6 Recent Changes

Best Checking Account Bonuses

Chime – $250-290 Bonus

Direct link to offer

Previous the best bonus was $50 via referral or $120 via Swagbucks. Now it’s much higher at almost $300.

Monifi $250 Checking Bonus

Direct link to offer

Huge bonus, previous best was $200. Requirements are fairly easy to meet and no monthly fees to worry about.

U.S. Bank $400 Checking Bonus

Direct link to offer

Sometimes this bonus is only $300, best to jump on when it increases to $400. Can also be churned on a semi regular basis (used to be every 12 months, now every 24).

PNC $200/$300 Checking Bonus

Direct link to offer

Previously this was only available in selected states, it’s now available nationwide. It does require quite high direct deposit requirement, but lots of data points on what does/doesn’t work.   Has been as high as $400 in the past.

Affinity Federal Credit Union $150 Bonus

Direct link to offer

This credit union is Chexsystems sensitive if you apply only, but not if you apply in branch. Something to consider for those that have applied for lots of accounts.

Varo Money $126 Bonus, Direct Deposit Not Required

Direct link to offer

Previously this was a $100 referral bonus but it did require a direct deposit. There are no monthly fees either.

Current $120 + $50 Checking Bonus

Direct link to offer

Unfortunately there is a $4.95 monthly fee that cannot be waived.

Fidelity $100 Bonus

Direct link to offer

Open a Cash Management account (similar to a checking account) using promo code FIDELITY100 to get the bonus. Must deposit $50 within 15 days. One of the easiest bonuses you can do.

Albert Neobank $60 + $75 Bonus

Direct link to offer

$60 of the bonus is via Swagbucks and the other $75 is for a direct deposit. Swagbucks portion has been as high as $125.

Porte Bank $100 Checking Bonus

Direct link to offer

This account also earns 3% APY on balances up to $10,000 when you receive direct deposits of $1,000+

Current $120 Checking Bonus

Direct link to offer

Unfortunately there is a $4.95 monthly fee that cannot be waived. Has been as high as $130 in the past.

Spiral Bank $50 + $200

Direct link to offer

No monthly fees and they also have a charity option. Previously this was for only $50 but they have added a $200 direct deposit bonus as well.

GTE Financial $200 Checking Bonus

Direct link to offer

Previously this was a $100 bonus but didn’t require a direct deposit. Unfortunately it’s also a hard pull.

Charles Schwab Up To $500 Bonus

Direct link to bonus

This is now a soft pull making it much more interesting. People like this account because the account is quite useful (e.g ATM fees reimbursed, no fees for foreign transaction withdrawals) and you can also get this account and a brokerage account at the same time for one hard pull. The brokerage account then gives you access to the Charles Schwab credit cards. Obviously not for everybody, but a pretty good combination.

Direct link to offer

The Christian Ministry requirement seems to be enforced and will rule out a lot of people, if you are eligible though this is a great deal.

Citi $300/$700 Checking Bonus – No Direct Deposit Required

Direct link to offer

Previously this was $200/$400/$700. Only really the $200/$400 bonuses were worth doing and those aren’t available anymore but if you’re planning on doing the $700 bonus then this is as good as it gets.

PSECU $100/$250 Checking Bonus

Direct link to offer

This is technically PA only, but anybody can join Pennsylvania Recreation and Park Society (PRPS) for $20

Lili Bank $100 + $100 – No Direct Deposit Required

Direct link to offer

Can get $100 via referral and another $100 via drop/Swagbucks.

SoFi Money $175 + $100

Direct link to offer

You can get $175 from Swagbucks with $200 direct deposit and then $100 direct deposit bonus with $1,000 in direct deposits.

SoFi Money $75 + $100

Direct link to offer

You can get a $75 rebate via Slickdeals and then the $100 bonus as well.

Axos Bank $100 Checking Bonus

Direct link to offer

Bonus is now $100 instead of $75, but does require a direct deposit.

Revolut Savings Bank $50

Direct link to offer

Account also earns 5% APY.

Best Saving Account Bonuses

Discover Savings Bonus $150/$200 with $15,000/$25,000 Deposit

Direct link to offer

In the past cumulative deposits have worked and seem to be working again on this refreshed bonus from Discover.

Alliant Credit Union $100 Savings

Direct link to offer

Really easy bonus with a low deposit requirement and available nationwide.

TD Bank up To $200 Savings Bonus [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]

Direct Link to offer

Can also be combined with a $300 checking bonus.

Waterstone Bank $100 Savings – WI only

Direct link to bonus

Can also be combined with the $250 checking bonus.

Byline Bank $150 Bonus – IL, WI

Direct link to offer

Can also be done with the checking account for a total bonus of $300.

Best Business Bank Bonuses

There are a lot less business bank bonuses than personal bonuses, you can view all of them here.

Brex Up To 110,000 Points

Direct link to offer

Not quite as good as the previous 110,000 point offer as it does require higher spending.

Kabbage by American Express $300

Direct link to offer

Just requires a 5 debit card purchases.

American Express Business Checking $300

Direct link to offer

Basically the same as the kabbage bonus above, but requirements are slightly more difficult.

U.S. Bank $300 Business Checking

Direct link to offer

Bonus has been higher in the past, but it did require merchant services whereas this bonus doesn’t.

Citibank Up To $2,000 Business Checking Bonus – In Branch Only

No direct link, being offered in branch

Only available in branch and not all branches have this offer. This is more of a savings bonus as the $2,000 bonus requires a deposit of $200,000+ for example.

BMO Harris $200/$500 Checking Bonus – AZ, FL, IL, IN, KS, MO, MN and WI

Direct link to offer

Nice big bonuses and the requirements for both the bonus and keeping the account fee free are easy to meet for both the $200 and $500 bonuses.

Huntington Bank $200/$500/$1,000 – OH, MI, IN, PA, KY, WV & IL

Direct link to offer

The $400 bonus has been increased to $500. $750 bonus has been increased to $1,000.

PNC $200/$500 Business Checking AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV

Direct link to offer

Not nationwide like the personal bonus unfortunately. They have offered a $300 bonus in the past, but that hasn’t been available for some time. It’s also now easier to keep the account fee free and because of that we’ve added it back to this list. In some states this is now $500.

First Home Bank $500 Business Checking Bonus – FL

Direct link to offer

Very easy bonus that only requires a $1,000 deposit.

First Midwest Bank $500 Business Checking Bonus – In Branch IL, IN, IA, WI

Direct link to offer

Nice big bonus and the requirements are fairly easy to meet the requirements.

Seacoast Bank $300 Business Checking Bonus – FL Only

Direct link to offer

This needs to be opened in branch but only requires a minimum balance of $1,500 for 90 days to trigger the bonus.

Bar Harbor Bank & Trust $300 – ME, VT & NH

Direct link to offer

Only requires a $2,500 deposit, no monthly fee either which is nice.

Direct link to offer

Now available in more states, requirements are easy as well.

Farm Bureau Bank $250 – NV

Direct link to offer

There is also a $150 personal checking bonus but not clear if both of these bonuses can be done.

Provident Credit Union $150 In Branch Business Checking Bonus – CA

Used to require a balance of $10,000 to keep fee free, but that is no longer a requirement making this bonus worth doing if you live near a branch.

Hawthorn Bank $150 Business Checking – MO

Direct link to offer

This requires a referral, person referring also gets a $150 bonus.

Best State Specific Bonuses

In the past we haven’t listed state specific bonuses on this page, I thought it was worth listing ones that are definitely worth doing, so here they are.

FirstBank $300 – CA, AZ, CO – Direct Deposit Optional

Direct link to offer

Standard bonus is $200 and that requires a direct deposit. This one is $300 and you can either do a direct deposit or spend $500 on a debit card.

S&T Bank $400 – PA & OH – Direct Deposit Not Required

Direct link to offer

Just need to make $1,000 in debit card purchases.

VantageWest Credit Union $300 – AZ Only – Direct Deposit Not Required

Direct link to offer

Nice bonus with a decent amount of credit card funding, this also opens up the ability to get their 5% credit card as well.

M&T Bank $200-$400 Checking Bonus – CT, DC, DE, MD, NJ, NY, PA, VA, WV

Direct link to offer

They have an account with no monthly fees to worry about.

OneWest Bank $300 Bonus – Southern CA In Branch – Direct Deposit Not Required

Direct link to offer

Has previously been a bonus of $250, now an extra $50. Does require opening in branch unfortunately.

MidFirst Bank $300 Bonus – Direct Deposit Not Required – AZ only

Direct link to offer

Nice big bonus and no direct deposit and easy to keep fee free.

First Bank & Trust $300 Bonus – LA & MS

Direct link to offer

Big bonus, but direct deposit is required for a fair amount of time so might only be worth considering if you can change your payroll easily.

Flushing Bank $700 Bonus – NY & NJ – Direct Deposit Optional

Direct link to offer

No monthly fees to worry about or direct deposit. Does require depositing $50,000+ for the full bonus though, really more of a combination savings & checking bonus.

bankESB (East Hampton Savings Bank) $200 – Direct Deposit Not Required – MA, CT

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Savings Accounts and CDs. It was established in 1881 and as of June of 2021, it had grown to 912 employees at 60 locations. NatWest “On Line Acco Bank Of Queensland Banks & Financial Institutions - Midland, Western Australia, 6056, Business Owners - Is Bank Of Queensland in Midland, WA your business? Attract more customers by adding more content such as opening hours, logo and more - Yellow Pages® directory Midland States Bank operates with 55 branches in 40 different cities and towns in the state of Illinois. Midland, Texas - View From Bank of AmericaLet the experts at Midland Loan Corporation work with you to come up with your best options for refinancing. We believe this firm may be providing financial services or products in the UK without our authorisation. The headquarter was located at 140 Broadway, , 10015. Learn more at midlandsb. John Suderman, chair of the Midland Board, characterized Union State Bank as a financially sound community bank with a long and rich history of community involvement and customer service. Our mobile banking app provides the ease needed to manage your finances for your everyday life. Our records show it was established in Illinois. Four years ago, the ship that served as Marine Midland Bank's corporate symbol sailed into history. ABS recently provided notification to its bank partners and those organizations potentially impacted customers of an incident that may affect the privacy of some customers' personal or business information. The agreement also is expected Midland Bank Plc was one of the Big Four banking groups in the United Kingdom for most of the 20th century. Established in 1881, Midland States Bank is a well capitalized community bank taking pride in maintaining strong relationships with its customers and is committed to serving the Download Midland States Bank Mobile and enjoy it on your iPhone, iPad, and iPod touch. Visit MidlandCredit. Pre-Owned. Drive-up. Bridgeview* 8929 South Harlem Avenue Bridgeview, Illinois 60455 (708) 598-9400 (708) 598-5445 (Fax) [email protected] Acquiring Institution AI. Can anyone advise me if there is a HSBC / Midland bank pensions action group and supply contact details. Heute ist sie Teil der HSBC Gruppe. Reserve Online. See reviews, photos, directions, phone numbers and more for Midland Bank locations in Overland Park, KS. Rectangular plan. Full Service, brick and mortar office. is a community-based financial holding company headquartered in Effingham, Illinois, and is the sole shareholder of Midland States Bank. Midland Bank

Wells Fargo CDs

What is a CD?

A CD is a financial product that usually pays a fixed interest rate for a set period of time, ranging from a few months to several years. This period of time is known as a “term.” By depositing your money into a CD for a set term, you lock in your initial deposit principal and interest rate until your money matures. 

You earn interest from the date of your opening deposit up to your maturity date. Your interest compounds daily and is generally paid monthly, although interest payments made quarterly, semi-annually, annually, or at maturity are also available. Interest can be redeposited to the CD, to a checking account, to a savings account, or paid to you via check.

Benefits of CDs

There are a number of reasons you may want to open a CD:

  • Interest rates. CDs typically pay higher interest rates than other deposit products. Higher CD rates may be available for longer terms or larger deposited amounts.
  • Guaranteed return. Since the interest rate of a Fixed Rate CD is set at account opening and does not change until the CD matures, you know exactly how much money you will earn during the term of your CD.
  • Security. Your funds are FDIC-insured up to the maximum applicable limits.

You can withdraw your funds early if you need to, but you will be assessed an early withdrawal penalty. See additional details in the CD rate and penalty disclosures below.

What happens when your CD matures?

Approximately one month before your CD matures, you’ll be sent a notice reminding you of the maturity date. At maturity, you'll have a seven-day grace period to renew or make any of the following changes:

  • Change the term
  • Make additional deposits
  • Make withdrawals (as long as the remaining balance in the CD meets the minimum balance requirements)
  • Close the CD

CDs renew automatically at maturity. Interest will not be paid during the grace period if you withdraw your funds and do not reinvest your CD.

Three ways to fund your account

It's fast and easy to fund your account with our secure online application. Here's how:

  • Transfer from an existing Wells Fargo account.
  • Transfer from a non-Wells Fargo account. You'll need your account number and the nine-digit routing number found on your check or deposit slip. 
  • Use a check or money order by mail or in person. You can mail in your check or money order or go to a local branch after you submit your application.
Источник: https://www.wellsfargo.com/savings-cds/certificate-of-deposit/

Midland States Bank CD Review: 3.00% APY 30-Month CD Rate Special (Illinois, Missouri)

Midland BankIf you are a resident of Illinois and Missouri and currently looking for great savings rates, then make sure you keep reading. Midland States Bank has wide array of products to meet your individual needs. They are proud to be a financial institution that is big enough to serve all your financial needs, yet small enough to care about how those needs are met.

They currently offer standard CD rates from 12-months to 30-months with 2.70% to 3.00% APY Rates. They also have a special 30-month CD term with 3.00% APY on $2,500 balances or more. By joining Midland States Bank, you get to enjoy earning higher rate of interest than regular savings account.

Table of Contents

Midland States Bank CD Summary

  • Direct Link to Offer
  • Account Type: CD account
  • Current Promotion: 30-Month CD 3.00% APY
  • Special APY Rates/Balance requirements:
    • 30-Month CD Term:
  • APY Rates/Balance Requirements: 
    • 2.70% APY for 12-Month CD – $2,500
    • 2.77% APY for 24-Month CD – $2,500
  • Availability: IL, MO (Bank Locator)
  • Soft/Hard Pull: Soft Pull or Hard Pull? Let us know
  • Minimum Balance Requirement: $250,000
  • Additional Requirements: None
  • Early Withdrawal Fee: Amount not specified
  • Auto-Renewal: None listed, check with CSR

Midland States Bank Best CD Rates

Overall, Midland States Bank ranked highest across the board from our statewide Best 36-Month CD Rateslist. So if you’re interested in making a higher rate than a traditional savings account, make sure to take advantage of this limited time special offer. Note that rates are always changing, which is why if you’re interested in getting a CD with them, you might want to hop on it as soon as possible.

Midland States Bank CD Account Features

  • Different terms
  • Earns higher rate of interest than regular savings account
  • Interest compounds
  • Fixed rate of interest
  • FDIC insured
  • Penalty for early withdrawal

Conclusion

If you are interested in a short term or long term CD, look no further as Midland States Bank offers you a standard and special CD rates that go up to 3.00% APY on 30-month term. Remember, both specials ranked highly on our Best CDs list. So if you are interested and live near a branch, be sure to open your new CD account today!

However if you are not interested or looking for more options, be sure to browse our complete list of the Best CD Rates for all your savings needs!


Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
Chase Freedom Flex Bonus

The Chase Freedom Flex offers a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.

You'll earn:
• Earn 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year.
• Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• Earn 5% on Chase travel purchased through Ultimate Rewards, 3% on dining and drugstores, and 1% on all other purchases.

You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. You'll be able to new 5% categories each quarter!

This card has no annual fee.

Learn More About This Card Here

Filed under: CD Rates

Disclaimer: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

About Anthony Nguyen

Anthony Nguyen, founder of Bankcheckingsavings.com, has a passion for finding the best deals, bank promotions, credit card offers, cash back, points & miles, and everything in between. Contact Anthony for media/advertising.

Источник: https://www.bankcheckingsavings.com/midland-states-bank-cd-review/

: Midland states bank cd rates

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Midland Credit Management

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Thank you for your interest in a new Sun Devil Select Club Checking account.

Your new ASU Sun Devil Select Club checking account will come with a Pitchfork Card. The Pitchfork Card serves as your official ASU photo ID card, as well as your MidFirst Bank debit card. You will be notified when your Pitchfork Card is available for pickup on campus. In the interim, you will receive a MidFirst Bank ASU debit card to access your ASU Sun Devil Select Club checking account.

Our online account enrollment application is secure and safe. Your personal information is protected with Secure Socket Layer encryption technology. We hope you enjoy the convenience of opening your new account online.

Please enter your faculty ID below to begin.

Источник: https://www.midfirst.com

Below we’ve listed the best  checking & saving account bonuses in order from best to worst for October, 2021. We’ve also included a little bit of information on each bonus, make sure you click through and read our detailed posts on each offer before signing up – that way you won’t be caught unawares of hidden fees.

Note: This page is updated monthly and keeps the same URL, so feel free to bookmark it or link to it knowing that it’ll be kept up to date. Because of this the comment section might contain discussion about deals that are no longer current, please keep that in mind. You can view the most recent changes by clicking here.

Contents

  • 1 Best Checking Account Bonuses
  • 2 Best Saving Account Bonuses
    • 2.1 Discover Savings Bonus $150/$200 with $15,000/$25,000 Deposit
    • 2.2 Alliant Credit Union $100 Savings
    • 2.3 TD Bank up To $200 Savings Bonus [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]
    • 2.4 Waterstone Bank $100 Savings – WI only
    • 2.5 Byline Bank $150 Bonus – IL, WI
  • 3 Best Business Bank Bonuses
    • 3.1 Brex Up To 110,000 Points
    • 3.2 Kabbage by American Express $300
    • 3.3 American Express Business Checking $300
    • 3.4 U.S. Bank $300 Business Checking
    • 3.5 Citibank Up To $2,000 Business Checking Bonus – In Branch Only
    • 3.6 BMO Harris $200/$500 Checking Bonus – AZ, FL, IL, IN, KS, MO, MN and WI
    • 3.7 Huntington Bank $200/$500/$1,000 – OH, MI, IN, PA, KY, WV & IL
    • 3.8 PNC $200/$500 Business Checking AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV
    • 3.9 First Home Bank $500 Business Checking Bonus – FL
    • 3.10 First Midwest Bank $500 Business Checking Bonus – In Branch IL, IN, IA, WI
    • 3.11 Seacoast Bank $300 Business Checking Bonus – FL Only
    • 3.12 Bar Harbor Bank & Trust $300 – ME, VT & NH
    • 3.13 WinTrust Community Bank $300 Bonus – IL, WI, FL
    • 3.14 Farm Bureau Bank $250 – NV
    • 3.15 Provident Credit Union $150 In Branch Business Checking Bonus – CA
    • 3.16 Hawthorn Bank $150 Business Checking – MO
  • 4 Best State Specific Bonuses
    • 4.1 FirstBank $300 – CA, AZ, CO – Direct Deposit Optional
    • 4.2 S&T Bank $400 – PA & OH – Direct Deposit Not Required
    • 4.3 VantageWest Credit Union $300 – AZ Only – Direct Deposit Not Required
    • 4.4 M&T Bank $200-$400 Checking Bonus – CT, DC, DE, MD, NJ, NY, PA, VA, WV
    • 4.5 OneWest Bank $300 Bonus – Southern CA In Branch – Direct Deposit Not Required
    • 4.6 MidFirst Bank $300 Bonus – Direct Deposit Not Required – AZ only
    • 4.7 First Bank & Trust $300 Bonus – LA & MS
    • 4.8 Flushing Bank $700 Bonus – NY & NJ – Direct Deposit Optional
    • 4.9 bankESB (East Hampton Savings Bank) $200 – Direct Deposit Not Required – MA, CT
    • 4.10 First Federal Credit Union $200 Checking Bonus – Huron community bank hours only – No Direct Deposit Required
    • 4.11 ENT Credit Union $200 Bonus – No Direct Deposit Required – CO only
    • 4.12 Ballston Spa National Bank (BSNB) $250 Checking Bonus – Some Areas of NY
    • 4.13 Waterstone Bank $250 Checking – WI only
    • 4.14 Citizens Bank $400  Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT
    • 4.15 HomeTrust Bank $400 Bonus – NC, SC, TN, VA
    • 4.16 Marine Bank $450 Checking Bonus – IN, IL, WI
    • 4.17 First Bank Financial Centre (FBFC) $150 Bonus – Direct Deposit Not Required
    • 4.18 First National Bank (FNB) $400 Checking Bonus – MD, DC & OH
    • 4.19 WinTrust Bank $300 Checking – IL, FL, WI, IN only
    • 4.20 Seacoast Bank $350 Bonus – FL only
    • 4.21 Addition Financial $300 Bonus – FL only
    • 4.22 Dedham Savings Bank – $250 Bonus – MA only
    • 4.23 Huntington Bank $200/$500 Bonus – OH, MI, IN, PA, KY, WV & IL – Direct Deposit Not Required
    • 4.24 Premier Bank $250 Bonus – OH, MI, IN and PA
    • 4.25 Wescom $250 Checking Bonus – CA Only
    • 4.26 Fidelity Bank $250 Checking Bonus – MA
    • 4.27 South State Bank $200 checking Bonus – GA, NC, SC, VA – Direct Deposit Not Required
    • 4.28 City National Bank $200 Checking Bonus – VA, WV, OH
    • 4.29 HarborOne Bank $200 Checking & Savings Bonus – MA, NH, and RI
    • 4.30 TD Bank up To $300 Checking Bonus [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]
    • 4.31 Investor Bank $250/$350 In Branch Checking Bonus – NY & NJ – Direct Deposit Not Required
    • 4.32 ACNB/NWSB – $300 Bonus – PA & MD only
    • 4.33 KeyPoint Credit Union $300 Checking – CA Only
    • 4.34 Hancock Whitney $300 Checking Bonus – LA, MS, FL, AL, TX
    • 4.35 Provident Credit Union $300 Checking Bonus – CA only
    • 4.36 1st United Credit Union $200 Checking Bonus – CA only, Direct Deposit Not Required
    • 4.37 Idaho Central Credit Union (ICCU) $200 Bonus – ID, WA, OR, Direct Deposit Not Required
    • 4.38 First Bank $200 – VA & MD – Direct Deposit Not Required
    • 4.39 Penn Community Bank $200 Checking Bonus – Direct Deposit Not Required, PA
    • 4.40 Fulton Bank $200 Checking Bonus – Direct Deposit Not Required – DE, DC, MD, NJ, PA, & VA
    • 4.41 Middlesex Savings Bank $200, Direct Deposit Not Required – MA
    • 4.42 Citadel Bank $300 Checking Bonus – PA only
    • 4.43 Sterling Bank $250/$450 Bonus – NY In Branch Only
    • 4.44 Independent Bank $250 – MI
    • 4.45 Home Federal Savings Bank $250 – MN & IA only
    • 4.46 Stoneham Bank $250 Checking Bonus – MA & NH
    • 4.47 Five Star Bank – $100/$300 Checking Bonus – NY
    • 4.48 Regions Bank $200 Checking Bonus + $50 Referral – AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN & TX
    • 4.49 Frontier Bank $200 Bonus – IA, MN, SD, NE, ND
    • 4.50 Teacher’s Credit Union $200 Checking Bonus – IN & MI
    • 4.51 Bar Harbor Bank & Trust $200 Checking Bonus – ME, VT & NH
    • 4.52 First Financial Bank $100 Checking Bonus + $100 Donation To United Way – Direct Deposit Not Required – IL, IN, KY, OH
    • 4.53 Broadway Bank $200 – TX Only
    • 4.54 Cap Ed Credit Union $100 Checking Bonus – No Direct Deposit Required – ID only
    • 4.55 Southland Credit Union $175 Bonus – CA
    • 4.56 Sharepoint Credit Union $150 Checking Bonus – MN only
    • 4.57 Tower Federal Credit Union $100 – MD – No Requirements
    • 4.58 Macatawa Bank $150 Checking Bonus – MI – No Direct Deposit Required
    • 4.59 1st United Credit Union $100 Checking Bonus – CA only – No Direct Deposit Required
    • 4.60 Tower Federal Credit Union $100 Bonus – MD Only – Direct Deposit Not Required
    • 4.61 Westfield Bank $100 Bonus – OH Only – Direct Deposit Not Required
    • 4.62 Jovia Financial Credit Union $150 Checking Bonus – NY Only
    • 4.63 Desert Financial Credit Union $100 Referral Bonus For Both Parties – AZ only
    • 4.64 Gesa Credit Union $100 Checking Bonus – WA, ID, OR only
    • 4.65 Sacramento Credit Union $150 Checking Bonus – CA Only
    • 4.66 TruStone Financial $150 – WI & MN only
    • 4.67 East Boston Savings Bank $100 + Free Gift
    • 4.68 Collins Community Credit Union $100 Bonus – IA only
    • 4.69 Fidelity Bank Up To $200 Bonus – MA only
    • 4.70 Affinity FCU $150 Bonus – NY, NJ, CT
    • 4.71 Byline Bank $150 Bonus – IL, WI
    • 4.72 Power Financial Credit Union $100  – No Direct Deposit Required – FL only
    • 4.73 Service Credit Union $100 Checking Bonus, Direct Deposit Not Required (NH/MA)
    • 4.74 Premier America Credit Union $100 Bonus – CA & TX
    • 4.75 Heritage Credit Union $100 – WI & IL – In Branch
    • 4.76 California Coast Credit Union $100 Bonus – CA only
    • 4.77 USE Credit Union $100 Bonus – CA only
    • 4.78 Heritage Credit Union – WI & IL only – $100 Bonus
    • 4.79 Western State Bank – $100 – AZ ND – In Branch Only
    • 4.80 The Bank of Princeton $100 Checking Bonus – NJ & PA, In Branch
    • 4.81 City National Bank – $100 Checking – VA, WV, OH – In Branch
    • 4.82 Frontwave Credit Union $100 Checking Bonus – CA – In Branch
    • 4.83 Honor Credit Union $250 Checking Bonus – MI
    • 4.84 Old Hickory Credit Union $150 Checking Bonus, Direct Deposit Not Required – TN
  • 5 Highly Region Specific/Branch Specific
  • 6 Recent Changes

Best Checking Account Bonuses

Chime – $250-290 Bonus

Direct link to offer

Previous the best bonus was $50 via referral or $120 via Swagbucks. Now it’s much higher at almost $300.

Monifi $250 Checking Bonus

Direct link to offer

Huge bonus, previous best was $200. Requirements are fairly easy to meet and no monthly fees to worry about.

U.S. Bank $400 Checking Bonus

Direct link to offer

Sometimes this bonus is only $300, best to jump on when it increases to $400. Can also be churned on a semi regular basis (used to be every 12 months, now every 24).

PNC $200/$300 Checking Bonus

Direct link to offer

Previously this was only available in selected states, it’s now available nationwide. It does require quite high direct deposit requirement, but lots of data points on what does/doesn’t work.   Has been as high as $400 in the past.

Affinity Federal Credit Union $150 Bonus

Direct link to offer

This credit union is Chexsystems sensitive if you apply only, but not if you apply in branch. Something to consider for those that have applied for lots of accounts.

Varo Money $126 Bonus, Direct Deposit Not Required

Direct link to offer

Previously this was a $100 referral bonus but money clip and card holder did require a direct deposit. There are no monthly fees either.

Current $120 + $50 Checking Bonus

Direct link to offer

Unfortunately there is a $4.95 monthly fee that cannot be waived.

Fidelity $100 Bonus

Direct link to offer

Open a Cash Management account (similar to a checking account) using promo code FIDELITY100 to get the bonus. Must deposit $50 within 15 days. One of the easiest bonuses you can do.

Albert Neobank $60 + $75 Bonus

Direct link to offer

$60 of the bonus is via Swagbucks and the other $75 is for a direct deposit. Swagbucks portion has been as high as $125.

Porte Bank $100 Checking Bonus

Direct link to offer

This account also earns 3% APY on balances up to $10,000 when you receive direct deposits of $1,000+

Current $120 Checking Bonus

Direct link to offer

Unfortunately there is a $4.95 monthly fee that cannot be waived. Has been as high as $130 in the past.

Spiral Bank $50 + $200

Direct link to offer

No monthly fees and they also have a charity option. Previously this was for only $50 but they have added a $200 direct deposit bonus as well.

GTE Financial $200 Checking Bonus

Direct link to offer

Previously this was a $100 bonus but didn’t require a direct deposit. Unfortunately it’s also a hard pull.

Charles Schwab Up To $500 Bonus

Direct link to bonus

This is now a soft pull making it much more interesting. People like this account because the account is quite useful (e.g ATM fees reimbursed, no fees for foreign transaction withdrawals) and you can also get this account and a brokerage account at the same time for one hard pull. The brokerage account then gives you access to the Charles Schwab credit cards. Obviously not for everybody, but a pretty good combination.

Direct link to offer

The Christian Ministry requirement seems to be enforced and will rule out a lot of people, if you are eligible though this is a great deal.

Citi $300/$700 Checking Midland states bank cd rates – No Direct Deposit Required

Direct link to offer

Previously this was $200/$400/$700. Only really the $200/$400 bonuses were worth doing and those aren’t available anymore but if you’re planning on doing the $700 bonus then this is as good as it gets.

PSECU $100/$250 Checking Bonus

Direct link to offer

This is technically PA only, but anybody can join Pennsylvania Recreation and Park Society (PRPS) for $20

Lili Bank $100 + $100 – No Direct Deposit Required

Direct link to offer

Can get $100 via referral and another $100 via drop/Swagbucks.

SoFi Money $175 + $100

Direct link to offer

You can get $175 from Swagbucks with $200 direct deposit and then $100 direct deposit bonus with $1,000 best buy credit card account shield direct deposits.

SoFi Money $75 + $100

Direct link to offer

You can get a $75 rebate via Slickdeals and then the $100 bonus as well.

Axos Bank $100 Checking Bonus

Direct link to offer

Bonus is now $100 instead of $75, but does require a direct deposit.

Revolut Savings Bank $50

Direct link to offer

Account also earns 5% APY.

Best Saving Account Bonuses

Discover Savings Bonus $150/$200 with $15,000/$25,000 Deposit

Direct link to offer

In the past cumulative deposits have worked and seem to be working again on this refreshed bonus from Discover.

Alliant Credit Union $100 Savings

Direct link to offer

Really easy bonus with a low deposit requirement and available nationwide.

TD Bank up To $200 Savings Bonus [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]

Direct Link to offer

Can also be combined with a $300 checking bonus.

Waterstone Bank $100 Savings – WI only

Direct link to bonus

Can also be combined with the $250 checking bonus.

Byline Bank $150 Bonus – IL, WI

Direct link to offer

Can also be done with the checking account for a total bonus of $300.

Best Business Bank Bonuses

There are a lot less business bank bonuses than personal bonuses, you can view all of them here.

Brex Up To 110,000 Points

Direct link to offer

Not quite as good as the previous 110,000 point offer as it does require higher spending.

Kabbage by American Express $300

Direct link to offer

Just requires a 5 debit card purchases.

American Express Business Checking $300

Direct link to offer

Basically the same as the kabbage bonus above, but requirements are slightly more difficult.

U.S. Bank $300 Business Checking

Direct link to offer

Bonus has been higher in the past, but it did require merchant services whereas this bonus doesn’t.

Citibank Up To $2,000 Business Checking Bonus – In Branch Only

No direct link, being offered in branch

Only available in branch and not all branches have this offer. This is more of a savings bonus as the $2,000 bonus requires a deposit of $200,000+ for example.

BMO Harris $200/$500 Checking Bonus – AZ, FL, IL, IN, KS, MO, MN and WI

Direct link to offer

Nice big bonuses and the requirements for both the bonus and keeping the account fee free are easy to meet for both the $200 and $500 bonuses.

Huntington Bank $200/$500/$1,000 – OH, MI, IN, PA, KY, WV & IL

Direct link to offer

The $400 bonus has been increased to $500. $750 bonus has been increased to $1,000.

PNC $200/$500 Business Checking AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV

Direct link to offer

Not nationwide like the personal bonus unfortunately. They have offered a $300 bonus in the past, but that hasn’t been available for some time. It’s also now easier to keep the account fee free and because of that we’ve added it back to this list. In some states this is now $500.

First Home Bank $500 Business Checking Bonus – FL

Direct link to offer

Very easy bonus that only requires a $1,000 deposit.

First Midwest Bank $500 Business Checking Bonus – In Branch IL, IN, IA, WI

Direct link to offer

Nice big bonus and the requirements are fairly easy to meet the requirements.

Seacoast Bank $300 Business Checking Bonus – FL Only

Direct link to offer

This needs to be opened in branch but only requires a minimum balance of $1,500 for 90 days to trigger the bonus.

Bar Harbor Bank & Trust $300 – ME, VT & NH

Direct link to offer

Only requires a $2,500 deposit, no monthly fee either which is nice.

Direct link to offer

Now available in more states, requirements are easy as well.

Farm Bureau Bank $250 – NV

Direct link to offer

There is also a $150 personal checking bonus but not clear if both of these bonuses can be done.

Provident Credit Union $150 In Branch Business Checking Bonus – CA

Used to require a balance of $10,000 to keep fee free, but that is no longer a requirement making this bonus worth doing if you live near a branch.

Hawthorn Bank $150 Business Checking – MO

Direct link to offer

This requires a referral, person referring also gets a $150 bonus.

Best State Specific Bonuses

In the past we haven’t listed state specific bonuses on this page, I thought it was worth listing ones that are definitely worth doing, so here they are.

FirstBank $300 – CA, AZ, CO – Direct Deposit Optional

Direct link to offer

Standard bonus is $200 and that requires a direct deposit. This one is $300 and you can either do a direct deposit or spend $500 on a debit card.

S&T Bank $400 – PA & OH – Direct Deposit Not Required

Direct link to offer

Just need to make $1,000 in debit card purchases.

VantageWest Credit Union $300 – AZ Only – Direct Deposit Not Required

Direct link to offer

Nice bonus with a decent amount of credit card funding, this also opens up the ability to get their 5% credit card as well.

M&T Bank $200-$400 Checking Bonus – CT, DC, DE, MD, NJ, NY, PA, VA, WV

Direct link to offer

They have an account with no monthly fees to worry about.

OneWest Bank $300 Bonus – Southern CA In Branch – Direct Deposit Not Required

Direct link to offer

Has previously been a bonus of $250, now an extra $50. Does require opening in branch unfortunately.

MidFirst Bank $300 Bonus – Direct Deposit Not Required – AZ only

Direct link to offer

Nice big bonus and no direct deposit and easy to keep fee free.

First Bank & Trust $300 Bonus – LA & MS

Direct link to offer

Big bonus, but direct deposit is required for a fair amount of time so might only be worth considering if you can change your payroll easily.

Flushing Bank $700 Bonus – NY & NJ – Direct Deposit Optional

Direct link to offer

No monthly fees to worry about or direct deposit. Does require depositing $50,000+ for the full bonus though, really more of a combination savings & checking bonus.

bankESB (East Hampton Savings Bank) $200 – Direct Deposit Not Required – MA, CT

Direct link to offer: MA

What Is a 3-year CD?

Certificates of deposit, or CDs, are savings products that pay the customer interest in exchange for agreeing to leave their deposit with the bank or credit union for a fixed period of time.

Most depository institutions offer a variety of CDs with different maturity dates; typically, the shortest ones will last three months while the longest ones range up to ten years, though five years is the longest term at most institutions. In theory, the longer the duration of the deposit, the higher the rate the institution is willing to offer.

CDs are considered safe, conservative investments because their rate of return is pre-determined and guaranteed to remain locked for the full term. In addition, virtually all CDs are offered by FDIC-insured banks, or by credit unions insured through the NCUA. As a result, deposits of up to $250,000 are protected, even if the financial institution faces liquidity problems.

Most CDs don't allow you to add funds after the initial deposit, making it a less favorable savings vehicle for those who wish to make periodic contributions. But CD accounts are well-suited for parking cash you won't need for a while and that you want invested reliably and essentially risk-free.

Usually, CDs are set to automatically renew at maturity. But you'll be notified of the maturity date in advance and given the opportunity to tell the bank you'd like to do something different with the money, such as withdraw it or transfer it to another institution. Fortunately, if you miss the maturity date by a few days, most banks and credit unions afford a grace period of a few days during which you can still withdraw your funds without penalty.

It's important to note that CD rates can vary significantly from one bank or credit union to another. Indeed, the top certificate rates nationwide are typically three and five times the industry average for a CD watertown savings bank interest rates the same duration. So it's critical you shop around.

How Does a 3-Year CD Work?

Each CD has a pre-established rate of interest that the bank or credit union pays on the deposit amount. The rate is usually published as an annual percentage yield, or APY, which reflects the total earnings on the account over a year's time, given the actual interest rate and the frequency with which that interest is compounded.

Many CDs use daily compounding, in which the annual interest rate is divided by 365 and applied to the balance each day. The following day, the daily interest rate is applied to this new balance, increasing the yield in the account. The amount of interest that has accrued will typically be credited monthly or quarterly.

To provide a disincentive to CD holders from taking their money out of the account before maturity, all banks and credit unions have an early withdrawal penalty policy. An early withdrawal will cause you to forfeit some of your interest earnings—3 to 12 months' worth of interest is common—but the penalties vary widely by institution, with some onerous enough to eat into principal.

Some banks and credit unions offer penalty-free CDs, although they typically offer a lower rate and may be "all or nothing" propositions. If that's the case, you would need to pull out your entire balance and close the account if you want to withdraw early. Because of their lower rates, no penalty-free options make the cut in our ranking of the top-paying nationally available 3-years CDs.

How Are CD Rates Determined?

The rate paid on CDs is determined by each bank and credit union and involves their particular need for deposits and the time horizon of their deposit strategy. However, the actions of the Federal Reserve loom large in the equation. The federal funds rate, which is determined by the central bank's Federal Open Market Committee, influences how much banks have to pay in order to borrow from each other. That, in turn, influences how much individual depository institutions are willing to pay consumers for their deposit funds.

When the Fed's rate is low, banks will offer lower yields on interest-bearing accounts. When interest rates go up, however, they tend to pay higher rates in order to attract customers.

What Are Alternatives to a CD?

CDs offer a trade-off compared to other conservative investments, such as savings accounts and money market accounts. While they offer higher yields compared to these other instruments, they also provide less flexibility. Instead of being able to deposit and withdraw money at your discretion, a CD will require you to commit a fixed amount to remain untouched for a certain amount of time.

In general, CDs tend to be a good option for individuals who have a lump sum of cash that they won't need to tap for several months or a few years. In such cases, they're much safer than stocks, or even bonds, which have the ability to lose value in poor economic conditions.

One increasingly popular alternative to CDs are high-yield savings accounts from online banks like Ally and Marcus. These accounts offer yields that are slightly lower than the best-paying CDs, but give account holders greater flexibility in return. For those seeking better returns than those afforded by a traditional savings account, they represent a fcf formula cfa level 2 ground of sorts.

How Can I Join a Credit Union on the List?

Unlike banks, credit unions are created to serve the needs of a specific community. In many cases, that means restricting membership to the residents of a certain area or to the employees of a particular company or group of companies.

However, some credit unions make it fairly easy for non-local individuals to gain eligibility. For example, the institution may allow you to attain membership by making a donation to its foundation or a nonprofit in its community, or by joining a financial literacy or consumer protection organization like the American Consumer Council.

If you aren't looking to lock your money up for a period of time and want easier access to it, you could look at opening a high-yield savings account as an alternative. Below are some savings account options from our partners, which can be competitive with the rates you can earn on CDs. It should be noted that unlike a CD, where your rate is locked in, with a savings account the bank or credit union can change your rate at any time.

Источник: https://www.investopedia.com/best-3-year-cd-rates-4782938
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Available to the residents of Illinois and Missouri, Midland State Bank is offering a 30-Month Term 3. Midland States Bank will share in the losses on the asset pools covered under the loss-share agreement. (432) 688-6400. 50 Midland Bank Ltd. Learn more about our story Learn More. Armoured car midland states bank cd rates Graham Huckerby, 41, took a £1,000 bribe to let masked gunmen hijack his bullet and bomb-proof Securicor vehicle, kidnap him and There must be a genuine meeting of minds between the bank and a customer to establish the relationship (Stoney Stanton Supplies (Coventry) Ltd v Midland Bank Ltd 1966) – if someone fraudulently enters you into a relationship with the bank, there’s no actual relationship between you and the bank. Shop 154, Midland Gate Shopping Centre. 112 Market Street. Louis for stability and At Resource Bank, we believe the relationship between a bank and its clients should be based on a mutual trust; something that will last for years and benefit you for a lifetime. 51 diluted earnings per share, which included. View products and download brochures and useful information. Rates current as at 30 July 2021 and subject to change. EMAIL [email protected] Big Rapids West. Get hours, reviews, customer service phone number and driving directions. Valley National Bank was the successor institution. First Midland Bank building hits the market for nearly £1. 1924, by Sir Edwin Lutyens. You can find other offices in neighbourhood locations such as Rockford, Loves Park and Machesney Park. The Bank is entitled to carry out the following banking business: The Midland Bank pioneered in the creation of multinational banking groups for the extension of medium-term credits (longer than five years), and held 45 percent ownership in Midland and International Banks, Ltd. 's member companies, including Midland National® Life Insurance Company. The Hub, for your accounts and financial tools; Transfers, to transfer money between your bank accounts; Bill Pay, to set up and pay bills electronically; and. 15/10/2019 · Midland Bank will continue operating under the name Midland until later in 2020, “when banking systems are converted,” according to a press release. Midland Bank has 1 job listed on their profile. Midland’s Open Door desires to see the homeless, hungry and hurting experience the life-transforming power of the gospel of Christ, becoming godly disciples and faithful stewards of all God has given them. Marine paid. 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1 Welcome to Illinois central college jobs States Bank Important information about changes that affect your First National Bank accounts. Welcome Guide 1

2 A little about us. I know Midland States Bank is probably not a name with which you are familiar. So, I just wanted to tell you a little about us. Midland is a growing and sound financial institution which is evident by these numbers: 132 year old well-capitalized community bank Over 400 employees in 29 locations Assets of $1.5 billion Rated 5-stars (one of strongest banks in the nation) by BauerFinancial, Inc. as of 12/31/12 Ranked as 23rd Most Efficient Bank in U.S. by Bank Director Magazine, 2011 Recognized by Investment Professionals Inc. as 12th Fastest Growing Wealth Management Division in the U.S., 2012 Ranked by Inc in Fastest Growing Private Companies, 2011 The common thread that links Midland and First National Bank of Grant Park is one that may be the reason you selected First National Bank originally. Like First National Bank, Midland is an Illinois-based community bank with a long history of community service and helping generations of families with their personal, business and wealth management needs. At our core, we are both community banks investing back in the communities we serve. This will not change. We will continue to help strengthen our communities through contributions from a financial aspect and volunteerism. When it comes to serving your financial needs, we are committed to exceeding your expectations. As a customer of Midland, you will be able to enjoy more services and more convenience, all delivered with the same attention to detail you are accustomed to enjoying. For your convenience, this informative guide will take you step-by-step through the conversion process. This guide has been designed to help you understand the conversion process and how it may affect your accounts. We ask that you please read it carefully. If you have questions or concerns, please contact your local bank representative. We are extremely pleased to have you as our customer. Sincerely, Leon J. Holschbach President and Chief Executive Officer 2 Welcome Guide

3 Table of Contents 6 Conversion at a Glance 6 Important Dates and Information 8 FDIC Coverage 9 Personal Checking 10 Personal Savings 11 Overdraft Protection 12 Convenient Personal Services 15 Personal Loans 15 Business Checking 17 Business Savings 18 Public Funds 18 Business Loans 18 Convenient Business Services 20 Wealth Management 20 Other Bank Services 22 Interest Rates and Tiers first national bank of hutchinson app Disclosures 29 Miscellaneous Fees and Charges 30 Privacy Policy Legend Look for this symbol for new enhancements to the way you bank. Please pay special attention to this symbol which indicates changes that could affect you. This symbol informs you of the few services that will no longer be offered. Welcome Guide 3

4 Midland, that s my bank. It is truly an exciting time to bank with Midland States Bank as we continue to grow and add more branches, create and enhance our products and bank of america online checking sign in and improve the overall customer experience. We look forward to earning your business each and every day we serve you and the gratification that comes with hearing a few simple words, Midland, that s my bank. Welcome. Great Strength. More Heart. We bring the strength, stability and expertise of a top-performing institution - a place where you know your money is safe, you get the most advanced products and services and where you ll get the financial advice to prepare you for what s right around the corner. But that s not what makes us unique. What sets us apart is our ability to provide financial strength while dedicating ourselves to each and every customer. See, we put our heart and soul into every relationship, every experience and every customer interaction. We truly care about our customers and we want to help them achieve financial success and we do that one conversation, one transaction, one handshake at a time. We are a community bank and will always be a community bank, no matter what size we grow to, because we have great strength and more heart. 4 Welcome Guide

5 What s Next. In the coming weeks, you will see the shift to the Midland brand on bank and ATM signs, monthly statements, literature and more. We have been making careful plans to bring your accounts over to our systems so you can fully enjoy the advantages of being a Midland customer. We prepared this guide as an easy way to learn about Midland and our services. The information that follows provides answers to questions you may have about your new accounts and the various ways we can serve you. You will also find account disclosures, including terms and conditions regarding your new Midland accounts. All of us at Midland are looking forward to you joining us as a new customer. We hope you enjoy the benefits Midland has to offer such as a larger selection of products and services, greater convenience and the personal service you were accustomed to with First National Bank. We promise to continue to operate with the highest level of professionalism, integrity and communityoriented spirit, and look forward to serving your financial needs. Again, welcome to Midland States Bank! Welcome Guide 5

6 Conversion at a Glance Midland States Bank will be converting First National Bank of Grant Park accounts over the June 28 weekend. When we open on Monday, July 1, your accounts will operate as Midland and the branches in Grant Park, Beecher midland states bank cd rates Bourbonnais will continue to operate with the same business hours as prior to the conversion. During the conversion weekend, you will be able to access your bank accounts through ATMs, writing checks and using your debit card. Limited balance and transaction details will be available through ATMs and Bank by Phone during the conversion. Your transactions, including deposits and withdrawals, will continue to be processed like normal, but will not be available through the ATM, Online Banking or Bank by Phone until the conversion is complete. Questions? Should you have questions concerning the information in this guide, we invite you to speak with one of our knowledgeable bank representatives. Grant Park: Beecher: Bourbonnais: Customer Care Center: Our toll-free Customer Care Center number to call after conversion weekend is MY-MIDLAND ( ) Customer Care Center Hours: 8:00 am - 5:30 pm, Monday-Friday 8:00 am - 12:00 pm, Saturday Important Dates and Information First Month Fees Waived On personal and business deposit accounts, we will waive the monthly account service charges for the first 30 days after the conversion. This will allow you to become familiar with your new accounts and make account changes if you would like before any fees would be incurred. Conversion Weekend Conversion Dates - After the close of business on Friday, June 28, your accounts held at First National Bank of Grant Park will integrate into Midland States Bank. The branches in Grant Park, Beecher and Bourbonnais will remain open on Saturday, June 29 with normal business hours. We will open as Midland States Bank on Monday, July 1. Balances During Conversion Weekend, June 28-June 30 - If you perform a balance inquiry at an ATM or through Bank by Phone, the balance will reflect the end-of-day balance on June 28. Balances will not reflect the items posting to your account throughout the conversion weekend. For example, your transactions, including debit cards, deposits and withdrawals, will continue to be processed like normal, but will not be added to or withdrawn from your end-of-day balance when shown at the ATM or through Bank by Phone until the conversion is complete. Balances will be refreshed on July 2. Account Number Changes Unless you have received a letter about an account number change, your account number will remain the same on deposit and loan accounts. Checks For your convenience, you may continue using your First National Bank Personal, Business, Home Equity Lines of Credit and Money Market checks. You can order new checks from our website, If you place your next order through another company, you will need to provide that company with the Midland States Bank routing transit number ( ) and your account number. Routing Transit Number Your Account Number New Debit Cards June 26 - If you currently have a First National Bank Debit Card, your card will be replaced with a new Midland Debit MasterCard. This card will arrive in the mail no later than June Welcome Guide

7 June 30 - You may continue using your current First National Bank debit card through midnight on Sunday, June 30. July 1 - You may activate your new Midland debit card beginning on Monday, July 1. Your existing Personal Identification Number (PIN) will work with your new Midland debit card. You can activate your new card by phone, ATM or by making a PIN-based purchase. Details explaining how to activate will be included with your new card. Online Banking and Bill Pay After this conversion, you will have access to your new Midland Online Banking and Bill Pay service at Online Banking Schedule - Prior to June 27 - We recommend you download or record your account history, statements, recurring transfer schedules and bill payment information prior to the conversion. June 28 - First National Bank s Online Banking access will be united heritage credit union reviews off at the end of the business day. July 1 - You can begin accessing your accounts through on Monday, July 1, if you use Online Banking services. Signing in to Online Banking for the First Time - You will be able to continue to use your current user ID (user name). The last four digits of your social security number should be used as your initial password. You will be prompted to reestablish a password. You will have multiple prompts that will be required the first time you sign in to Online Banking. Note: You will need to be on a Personal Computer (not a smart device or tablet) the first time you sign into Online Banking. Online Banking Enrollment Availablility - Automated online banking enrollment will be available mm 4 to m July 1 through July 1 - Your previous First National Bank online statements will be available. July 2 - Transactions performed over the conversion weekend will be available for viewing through Online Banking. Check images will be available online. Online Bill Pay Schedule - Prior to June 27 - We recommend you download or record your payees and payment history prior to the conversion, as only the last three months of history will be converted. June 27 at 12 pm - Your ability to schedule or pay bills online at First National Bank will be turned off in order to bring your bill pay and payee information over to Midland. July 1 - You can begin accessing your Online Bill Pay account through We recommend you check your payees (including all payee details) and your scheduled payments to make sure your information converted correctly. July 1 - For Online Bill Pay users, modify your payment date to the date the payment is due. Midland will calculate when the payment should be sent based on whether it is to go by check or electronic methods. Please check the method of payment (whether paid by check or electronic) as they may have changed. After July 1 - Set up bills to be presented for payment within Online Banking. This is called e-bills. You will be notified by when your bill arrives. Pre-scheduled Bill Payments - Your pre-scheduled online bill payments will continue even though access will not be available during conversion weekend. Scheduled Recurring Transfers and Alerts - While the majority of your Online Banking information will remain the same, scheduled recurring transfers between your First National Bank accounts and alerts will not convert. Once the conversion is complete, you will be able to reestablish these. Mobile and Text Banking July 1 - For our Online Pink vs credit card users, you can begin accessing your accounts through our Mobile and Text Banking services beginning on Monday, July 1. You will have to activate Text Banking through your Online Banking account prior to using. These services are available at no charge. The Mobile Banking experience is virtually the same as Online Banking. Simply open a web browser on your smart device or tablet and enter The same user name and password used for your Online Banking is required. Welcome Guide 7

8 Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) Changes Early Withdrawal Penalties - The terms of your CD or IRA as established with First National Bank will not change until first maturity after the conversion to Midland States Bank. At first maturity, new early withdrawal penalties will apply. Please refer to details later in this guide. Loans Personal Loans. The terms and conditions of your loans will not change. Automatic payments will continue. Home Equity Lines of Credit. The terms and conditions of your loans will not change. Automatic payments will continue. Home Equity Discover Card is available for more convenient access to your line of credit. You will receive additional information in a separate mailing. Home Equity Loans. The terms and conditions of your loans will not change. Automatic payments will continue. Mortgages. The terms and conditions of your loans will not change. Automatic payments will continue. Overdraft Reserve Line of Credit. If you currently have an overdraft line of credit, the terms and conditions of your line of credit will convert to Midland s Reserve Line of Credit. You will receive a separate notice with your new terms and conditions. Business Loans. The terms and conditions of your loans will not change. Automatic payments will continue. Loan Payment Address Change July 1 - Please mail your loan payments to: Midland States Bank P.O. Box 765 Effingham, IL Statement Cycle Dates Personal Accounts: You will receive your statement within 30 days kendra scott trade in this conversion. Your statement will then cycle on the same day each month thereafter. Money Market Accounts: Money Market account statement cycles will end on the last business day of each month. Business Accounts: Business account statement cycles will end on the last business day of each month. Home Equity Lines of Credit: Your statement date will change, but your due date will remain the same. Safe Deposit Boxes Store valuable items and important documents safely and securely in our affordable safe deposit boxes. Our annual fees are different than First National Bank s fees. If you have a Safe Deposit Box, your new annual fee will be: Box Size Bank of america customer support phone hours Fee 3 x 5 $25 3 x 10 $35 5 x 5 $20 5 x 10 $45 10 x 10 $75 The terms and conditions of your Safe Deposit Box will not change. Your payment methods will continue as established prior to conversion unless otherwise notified. Business Online Banking and Bill Pay After this conversion, you will have access to your new Midland Business Online Banking and Bill Pay service at Additional information will be mailed approximately two weeks prior to the conversion date. After conversion, if you would like a free demonstration, please contact your local bank representative to schedule the best time to meet. Remote Deposit Capture for Businesses Extended Deposit 1st colonial national bank - On Friday, June 28, your company can make deposits until 6:00 pm for the current business day. After the conversion, the cut-off time will be the end of each business day for the posting to occur on the same business day. Incoming Wire Transfers As of the conversion date, you will need to communicate new Midland wire transfer instructions to parties sending wire transfers to your account. Bank Name: Midland States Bank 1201 Network Centre Drive Effingham, IL ABA Credit to: Customer Name Account Number 8 Welcome Guide

9 FDIC Coverage At Midland States Bank, your deposits are protected up to the insurance limit by the Federal Deposit Insurance Corporation (FDIC). FDIC insured accounts include checking and savings accounts, money market deposit accounts, CDs and deposits in IRAs. Almost all of your interest-bearing deposit transaction accounts at Midland States Bank, as well as deposits in IRAs and certain other retirement accounts, are insured to at least $250,000 per depositor, subject to certain limits. You can confirm that your deposits are within the insurance limits by using the FDIC s Electronic Deposit Insurance Estimator (EDIE), by calling the FDIC ator by asking your local Midland representative. A Midland representative would be happy to sit down with you to discuss the coverage on your deposits or any financial needs. You can learn more about the FDIC through their website located at Personal Banking Services Personal Checking We want you to have the freedom to manage your account the way you manage your life. So, if you are the type of person who utilizes the convenience of online bill pay, writes a lot of checks or just uses your debit card for everything - we have a Liv account just right for you. Our Liv accounts are designed with the flexibility and tools around the way you Liv! Liv Unlimited Checking Get everything we ve got with Liv Unlimited. Our best account offers free personalized checks, unlimited waived ATM fees, and interest on your money. In addition, this account features shopping, dining, travel and health discounts through BaZing and identity theft protection through TrustedID. Account Benefits: Unlimited checkwriting Unlimited debit card access Unlimited online banking access Unlimited mobile banking access Unlimited text banking access Unlimited FinanceWorks access Monthly paper or online statement Non-Midland Owned ATM Use - unlimited fee reimbursement (non-midland charges still apply) BaZing discounts - Shopping discounts - Dining discounts - Travel discounts - Health discounts - Travel accidental death insurance - Cell phone protection Identity theft protection through TrustedID Free personalized checks (on wallet specialty check or 50% discount on other styles of check through Midland) Earns interest (interest tier based on balance) Minimum to avoid monthly service charge: $5,000 daily balance Monthly service charge: $10 Minimum opening deposit for personal checking accounts is $50. A $30 fee will be charged when account is closed within 180 days after opening. Foreign ATM fees by ATM owners other than Midland States Bank will be charged as the fee occurs. Concerning Interest Bearing Accounts: Minimum daily balance to earn interest is $.01. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Your interest rate may change at any time at our discretion. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and percentage yield for these tiers may change. The interest rate for your account will be suspended in the event your account status becomes dormant. Compounding and Crediting - Interest will be compounded every month. Interest will be added back to the principal every month. If you close your account before interest is credited, you will receive interest. Balance Computation Method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. BaZing retailers listed are not sponsors of this program or offer. Participating retailers are subject to change at any time and without notice. To activate TrustedID protection ID Essentials, go to and login. Go to the Protection page and click on Activate Credit Monitoring. Identity monitoring is provided at no cost to Liv Unlimited accountholders, but activation of the monitoring services is required to receive coverage. Bank rules and regulations apply. Liv Rewarded Checking If you enjoy shopping and dining out, are concerned about protecting your identity, and use your debit card, the Liv Rewarded account may be the right account for you. This account features shopping, dining, travel and health discounts through BaZing and identity theft protection through TrustedID. Account Benefits: Unlimited checkwriting Unlimited debit card access Unlimited online banking access Unlimited mobile banking access Unlimited text banking access Unlimited FinanceWorks access Monthly paper or online statement Non-Midland Owned ATM Use - Up to $10 per Welcome Guide 9

10 month fee reimbursement (non-midland charges still apply) BaZing discounts - Shopping discounts - Dining discounts - Travel discounts - Health discounts - North carolina vacation rental laws accidental death insurance - Cell phone protection Identity theft protection through TrustedID Fee reduced by $0.25 with each Debit Card pointof-sale transaction until fee is $0. Monthly service charge: $6 A total of 24 POS swipes per statement cycle would result in no monthly service charge for this account. Minimum opening deposit for personal checking account is $50. A $30 fee will be charged when account is closed within 180 days after opening. Foreign ATM fees by ATM owners other than Midland States Bank will be charged as the fee occurs. BaZing retailers listed are not sponsors of this program or offer. Participating retailers are subject to change at any time and without notice. To activate TrustedID protection IDEssentials, go to and login. Go to the Protection page and click on Activate Credit Monitoring. Identity monitoring is provided at no cost to Liv Rewarded accountholders, but activation of the monitoring services is required to receive coverage. Bank rules and regulations apply. Liv Free Checking It feels good to be free. No worries about minimum balances to maintain, check writing limits or monthly service charges. Our Liv Free account is the perfect free account that works for everyone - from a student managing their first account to a busy mom or dad trying to juggle their kids activities. And we do all this without charging a monthly service charge. Account Benefits: Unlimited checkwriting Unlimited debit card access Unlimited online banking access Unlimited mobile banking access Unlimited text banking access Unlimited FinanceWorks access Monthly online statement Monthly service charge: $0 Some restrictions may apply. Minimum opening deposit for personal checking account is $50. A $30 fee will be charged when account is closed within 180 days after opening. Foreign ATM fees by ATM owners other than Midland States Bank will be charged as the fee occurs. Bank rules and regulations apply. Personal Savings As we all know, saving today makes for a brighter tomorrow. To make saving easier, we offer a simple menu of accounts to help you save. FlexSaver Account A simple and straightforward way to save, our FlexSaver Account offers the perfect place to put that extra money you don t need in your checking account right now. Put aside a little bit every week and watch your savings grow. Over time, the little things really do add up. Minimum to avoid monthly service charge: $250 daily balance or ACH deposit into this savings account during the month Monthly service charge: $3 Minimum opening deposit for the FlexSaver Savings account is $50. A $30 fee will be charged when account is closed within 180 days after opening. The monthly fee is waived each month if: 1) your minimum daily balance is $250 or more, or 2) you have an ACH deposit into this savings account during the month. Variable Rate - Your interest rate and annual percentage yield may change. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. Determination of rates and frequency of rate changes - At our discretion, we may change the interest rate on your account at any time and without notice. If your account becomes dormant (no deposits or withdrawals or other transactions for 24 months), the interest rate will be suspended. To obtain the disclosed annual percentage yield, a minimum daily balance of $25 is required. Compounding and crediting - Interest will compound every 3 months and interest will be added back to the principal every 3 months. If you close your account before interest is credited, you will receive the accrued interest. Balance Computation Method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of Interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations - During any monthly statement cycle, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. A transaction fee of $10 will be charged for each debit transaction (withdrawals, check paid, automatic transfer, or payment out of this account) in excess of 6 during a monthly statement cycle. FlexSaver for Minors Account For those under 18 years of age, FlexSaver for Minors Account is a free and simple way to save. Put aside a little bit every week and watch your savings grow. Over time, the little things really do add up. Monthly service charge: $0 Minimum opening deposit for FlexSaver for Minor Savings account is $5. A $30 fee will be charged when account is closed within 180 days after opening. The monthly fee is $0 until the minor rockland federal credit union jobs 18 years of age. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. Determination of rates and frequency of rate changes - At our discretion, we may change the interest rate on your account at any time and without notice. If your account becomes dormant (no deposits or withdrawals or other transactions for 24 months), the interest rate will be suspended. To obtain the disclosed annual percentage yield, a minimum daily balance of $25 is required. Compounding and crediting - Interest will compound every 3 months and interest will be added back to the principal every 3 months. If you close your account before interest is credited, you will receive the accrued interest. Balance Computation Method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of Interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations - During any monthly statement cycle, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. A transaction fee of $10 will 10 Welcome Guide

11 be charged for each debit transaction (withdrawals, check paid, automatic transfer, or payment out of this account) in excess of 6 during a monthly statement cycle. Upon turning 18, the account will automatically convert to the FlexSaver Savings account and the terms and conditions, as well as all charges associated with the FlexSaver Savings account will apply. Currently the monthly service charge for the FlexSaver Savings account is $3. Health Savings Account A Health Savings Account (HSA) is a smart and effective way for eligible individuals to enjoy tax benefits while saving for health care deductibles and expenses. HSAs are individually owned and controlled. If you are currently covered by a High Deductible Health Plan, an HSA could help bridge the gap in uncovered health expenses. Let a Midland representative show you how easy it is to save and pay for medical expenses. Includes HSA Debit Card and personalized checks Minimum to avoid monthly service charge: $1,500 daily balance Monthly service charge: $2 Some restrictions may apply. Account can be opened with a recurring direct deposit. If no recurring direct deposit, the minimum opening balance is $100. Account is a depository instrument only. Health Insurance is not provided by the Bank. Variable Rate - Your interest rate and annual percentage yield may change. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. Determination of rates and frequency of rate changes - At our discretion, we may change the interest rate on your account at any time and without notice. If your account becomes dormant (no deposits or withdrawals or other transactions for 24 months), the interest rate will be suspended. To obtain the disclosed annual percentage yield, a minimum daily balance of $0.01 is required. Compounding and crediting - Interest will compound every 3 months and interest will be added back to the principal every 3 months. If you close your account before interest is credited, you will receive the accrued interest. Balance Computation Method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of Interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Consult your tax advisor for tax savings. Midland Money Market The Midland Money Market Account works like a checking account, but earns interest like a savings account. Designed for people looking for a competitive rate, our money market account offers you the benefit of rates that rise with your balance. Accessibility, convenience and attractive rates wrapped into one account. Minimum fidelity stock broker near me avoid monthly service charge: $1,000 daily balance or $7,500 average monthly balance Monthly service charge: $15 Minimum opening deposit for the Midland Money Market account is $2,500. A $30 fee will be charged when account is closed within 180 days after opening. Minimum daily balance to earn interest is $.01. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Your interest rate may change at any time at our discretion. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest north texas tollway authority pay bill and percentage yield for these tiers may change. The interest rate for your account will be suspended in the event your account status becomes dormant. Compounding and Crediting - Interest will be compounded every month. Interest will be added back to the principal every month. Balance Computation Method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Convenient transfers from a Money Market Account or Savings Account are limited to six per monthly statement cycle. Convenient transactions include: Electronic checks, drafts, debit card PIN or POS and similar other third party, ACH debits and credits, PC Banking, Telephone Banking, Mobile Banking, Wire transfers, and sweep transfers. There is no limit to the number to transfers from checking or savings to a loan at Midland States Bank. A transaction fee of $10 will be charged for each debit transaction in excess of six during a monthly statement cycle. Fees could reduce earnings. Certificates of Deposit and Individual Retirement Accounts (IRAs) Whether your objective is short-term growth or a long-range investment, a Midland Certificate of Deposit (CD) is a time proven savings standard to help you achieve your financial goals. Traditional and versatile, CDs offer rates, terms and returns you can depend on. In addition, a Midland CD is FDIC insured - making it a safe and secure investment that will complement your overall savings goals. Your certificate can also be classified as an Individual Retirement Account (IRA). An IRA offers attractive tax advantages as part of a tax-deferred retirement strategy. Terms: Beginning at 7 days Compounding Frequency: 1 month, 3 month, 6 month or 12 month options. Terms less than 31 days will be at maturity only. Interest Crediting: Compound and credit to CD/ IRA, transfer to another Midland deposit account, ACH to another institution, or by check. Renewal: Evan moor corp emc 3456 daily reading comprehension answer key Renewal Statements: Statements may be available for CDs when combined with checking and/or savings account statements. IRA statements are issued annually. Minimum opening balance is $500 for CDs and CD IRA s (Variable IRA excluded). Variable IRA minimum opening balance is $100 and you can make contributions at any time into the Variable IRA. Upon maturity, you have 10 days to change the terms of, or withdraw money from your CD or IRA. Interest is not paid during the grace period unless renewed. Withdrawals may reduce earnings. IRS penalties may apply to early withdrawals from IRAs. IRAs are available as a Traditional, Roth, SEP or Educational IRA. Early Withdrawal Penalties: Terms of 7-30 days will equal 100% of accrued interest. Terms of 1-3 months will equal 1 month of accrued interest. Terms of 4-6 months will equal 3 months of accrued interest. Terms of 7-17 months and Variable IRAs will equal 6 months of accrued interest. Terms of 18 months or greater will equal 12 months of accrued interest. Overdraft Protection It is our belief that we treat our customers how we want to be treated. You can count on us to communicate with you in a straight-forward manner, providing you with as much information as you Welcome Guide 11

12 would like - nothing hidden and no gimmicks. We apply this Believable Banking philosophy to our products and services - including overdraft protection services. Your Shield for Financial Protection Think of our services like an invisible shield that protects and provides security. We have developed an entire line-up of services that bear the burden of protecting you from unintentional mistakes, missed bill payments, fraud, identity theft, budgeting complexities, and low account balance issues, to mention a few. Identity Theft services are available with Liv Rewarded and Liv Unlimited personal checking accounts. Your Options. Your Choice. Below is a list of financial protection options available to you as a Midland States Bank customer. All qualified Midland States Bank checking account holders will automatically receive the protection provided by our Courtesy Overdraft Program. If you have enrolled in a less expensive alternative overdraft coverage program, such as Savings Transfer or Reserve Line of Credit, you will have added protection through the Courtesy Overdraft Program. We are always available to discuss options that may help strengthen your shield of financial protection. Believable Banking - Overdraft Protection Tools Online and Mobile Banking, Bill Pay and FinanceWorks allow you to transfer money between accounts, establish a budget, track spending and set balance alerts. Three Overdraft Protection Options Savings Account Transfer Set up an automatic transfer from your savings or money market account to cover an overdraft. Account Requirements: A Midland checking and either a money market or savings account Limit: Coverage is based on your available money market or savings account balance Transfer Amounts: $100 increments Transfer Fee: $10 per transfer Annual Fee: $0 Courtesy Threshold: $0 Daily Caps: None Activity Limits to Avoid Fees: A limit of 6 transfers per monthly statement cycle will prevent an excessive transfer fee from being applied. Reserve Line of Credit (Personal only) Apply for a Reserve Line of Credit to automatically cover an overdraft. Account Requirements: A Midland checking and reserve line of credit loan Limit: $500 to $2,500 Transfer Amounts: $100 increments Transfer Fee: $10 per transfer Annual Fee: $25 per year Courtesy Threshold: walmart black friday nov 25 2020 Daily Caps: None Tied To Index: Yes, Wall Street Journal Prime Interest Rate Margin: 15% Variable Interest Rate: Yes. Will change with the Wall Street Journal Prime Rate Courtesy Overdraft Program Overdrafts are automatically covered as part of our standard practice. Account Requirements: A Midland checking account Limit: $500 - consumer; $1,500 - business Overdraft Fee: $30 per item Annual Fee: $0 Courtesy Threshold: No fee on overdrafts if the account has an aggregate negative balance of $5 or less Daily Caps: 4 overdraft charges per day Sustained Overdraft Fee: $30 will be charged every 5th business day of being overdrawn, through the 25th business day. Some restrictions may apply. Loans based on credit qualifications. Refer to the Courtesy Overdraft Policy for full details of the program. All qualified Midland States Bank checking accounts will automatically receive the protection provided by the Courtesy Overdraft Program. If you have enrolled in a less expensive alternative overdraft coverage program such as Savings Transfer or Reserve Line of Credit, you will have added protection through the Courtesy Overdraft Program. Sustained Overdraft Fees: Maximum of $150 will be charged per occurence. Continuous overdraft begins the day of your first overdraft, per overdraft occurrence. How this charge is calculated: $30 every 5 business days, up to the 25th business day. (25 business days divided by 5 days = a total of five $30 charges) 12 Welcome Guide

13 Convenient Personal Services Everyone is looking for greater convenience with most things in life. We understand that and have applied this to banking. Easier access to your account information, the money you need, and bills that need to be paid, are just a few of the many convenient ways we have improved banking for you. Online Banking and Bill Pay Branch-free access. What s not to love? Anytime, anywhere access to all of your accounts. Within just a few minutes, you can check balances, transfer money, pay bills, view statements, view checks, stop payment on a check, check your budget, see upcoming bills, pay a friend for lunch, and update your accounting software with your bank account information. And all this functionality is available to you for free! Account Benefits: Monitor the daily activity in your accounts View your extended account history View current and past statements View images of your checks Set up a variety of activity alerts Pay bills online to anyone Get reminders and schedule bills for future and recurring payments Receive e-bills that you can view and pay immediately Pay other people directly through the other person s mobile phone or directly to their bank account through Popmoney Transfer funds between your accounts at Midland and other banks Manage your finances through Hotel the banks cincinnati Sign up for Online Banking and Bill Pay 1 Visit and click Sign In at the top of page. Click Enroll from the pull down menu. 2 Click Begin and enter your information. 3 Read the Terms and Conditions and if you agree click Accept, then click Continue. 4 Your registration will be sent directly to our Online Banking Support Team for validation. Manage your money with FinanceWorks 1 Login to online banking at 2 Click on the FinanceWorks tab. We highly recommend Taking the Tour to learn about all the great features. 3 Your Midland States Bank accounts and transactions will automatically be updated in FinanceWorks. 4 Navigate the features through the onscreen menus. Mobile Banking Mobile (Web) Banking is free, secure and helps you manage your accounts anywhere and anytime you want. All you need is a cell phone that can access the Internet through a web browser. Most smart phones and tablets have this capability. So, whether you are waiting in line at the grocery store or just relaxing on your back porch, you can check your balance, view recent purchases, pay your bills and transfer money simply by using your smart device or tablet. The Mobile Banking experience is virtually the same as Online Banking. Simply open a web browser on your smart device or tablet and enter The same user ID and password used for your Online Banking is required. Once you are logged in, you can navigate the site through the easy-to-use menus and view balances, monitor transactions, transfer money and pay bills. And, just like Online Banking, your Mobile Banking is secure by using encrypted data to pass to and from your device. Begin using Mobile Banking 1 After you have signed up for Online Banking, you can access your online banking account through your mobile device. Visit on your mobile device s browser. 2 Enter your online banking user name and password and click Log in. You may be asked to answer a security question to verify your identity. 3 View your account information and perform transactions. Text Banking Text Banking gives you account information within just a few seconds 365 days a year. Not too many things in life are this fast and convenient. Text Banking is the ideal way to get a quick confirmation on your account balances, to check if a recent transaction has cleared or to move money to your primary account quickly. You make the request by texting the bank one of a variety of commands, Welcome Guide 13

14 and get a response within seconds. Midland s Text Banking is free, secure, available 24/7 and works on all major mobile providers. All you need is a mobile device that can receive text messages. Just activate your Text Banking account from your Midland Online Banking account and you re good to go. Set up your phone for Text Banking 1 Login to online banking at 2 Click on the Mobile Banking & Alerts tab. 3 On the Text Message Banking banner, click the Activate button. 4 Enter your mobile phone number. 5 Read the Terms and Conditions and if you agree, accept and click Next. 6 An activation code will be sent to your mobile phone. Enter your activation code and click Next. 7 Select your primary account and transfer source account. 8 Set up your alerts and click Finish. Text banking keyword commands Keyword STOP HELP BAL BAL CHK BAL SAV BAL ALL LAST TRANS Command Deactivate service Help on keywords Primary account balance Checking account balances Savings account balances All account balances Last 5 transactions for the primary account Transfer funds to primary account Example: TRANS 250 transfers $ from your source account to your primary account Bank by Phone Bank by Phone is free, secure and helps you manage your accounts anywhere and anytime you want through the use of any touchtone phone. By having 24/7/365 access, this handy tool is invaluable when you are not near your computer or without your smart phone. With Bank by Phone you can access your account information and perform various functions such as transfering money between accounts. So, no matter where you are - work, vacation or at home - you can remain close to your money. By following the voice prompts, you will be able to navigate our Bank by Phone service effortlessly and you may select your voice prompts to be presented in English or Spanish. Bank by Phone offers you the ability get information on your checking, savings, money market, CD, IRA and loan accounts. Use our 24-hour Bank by Phone The first time you call, you will need to obtain an Access Code. Call MY-MIDLAND and press 0 to request your private Access Code. 1 Call MY-MIDLAND and press 1. 2 Enter your access code. 3 See menu below for available services. Change Bank By Phone Access Code Account Information Bank Information 1 4 * GHI Funds Transfer 2 ABC 5 JKL Merchant Verification 3 DEF 6 MNO Debit Card Services Request Stop Payment Rate Information 7 * PQRS 8 TUV 9 * WXYZ Order Checks * 0 + # Will direct you to call our Customer Care Center at MY-MIDLAND ( ). 14 Welcome Guide

15 DEBIT Midland s Debit MasterCard Midland s Debit MasterCard works like a check, only better. When you make purchases, the amount is deducted directly from your checking account - but you also enjoy added convenience and security protections. Just use your debit card when you are ready to pay. It works fast, so there s no need to write checks or fumble for change. Plus, you ll save on trips to the ATM and can leave your checkbook at home. Added Protection Price Protection. Should you find a lower price for a new item within 60 days from the date of purchase using your eligible Debit MasterCard, you may be reimbursed for the price difference. Extended Warranty. Doubles the original manufacturer s or store brand warranty for up to one year when you pay with your eligible Debit MasterCard. Satisfaction Guarantee. If you become dissatisfied with a product you purchase using your Debit MasterCard within 60 days of purchase, and the store will not accept a return, you may be eligible for a refund for the cost of the product up to $250. Zero Liability Protection. Whether you use Debit MasterCard to shop online, by phone or in a store, every purchase is backed by Zero Liability Protection*. That means you won t be held responsible in the event that someone makes unauthorized purchases with your card. Additional Multi-level Fraud Monitoring. MasterCard operates a sophisticated, multi-level fraud monitoring system to protect cardholders from data compromise and fraud. This includes many enhanced features including a tamper-evident signature panel, card validation code, hologram and more. To learn about all of these safety features, visit Tips For Responsible Use Keep your PIN private. Memorize it. Don t write it down and never tell it to anyone. Always take sales receipts. They may contain valuable information a thief could use to make purchases on your account via mail, phone or Internet. Record transactions in your check register as soon as possible. Remember to include any debit card fees that may apply, then store your receipts safely in case you need them later. Review your statement carefully. If you suspect a mistake, call Midland immediately. If your card is lost or stolen, contact Midland immediately. This reduces your liability if fraud losses occur. Personal Loans We offer a variety of personal lending options when you need money. Whether it is a want or a need, see Midland for your next loan. We ll help you with your application and offer quick decisions. Types of financing options: Credit Cards Home Equity Loans and Lines of Credit Personal Installment Loans Vehicle Loans - Autos, Marine and RVs Mortgage Loans Business Banking Services Business Checking As your business grows, it s important that your checking account options reflect and complement your business strategies. Midland checking accounts provide your business with account options that work well as stand-alone accounts, or partners with other financial products and services for more sophisticated needs. These accounts maximize your cash position and increase efficiencies throughout your company. If you have one or multiple locations, we have the ability to help you set up checking accounts which provides automated cash transfers to and from investments, loan pay-downs and more, depending on your business needs. Welcome Guide 15

16 Pro Free Business Checking Created for businesses with limited monthly activity. Account Benefits: Up to 100 items per month included Monthly service charge: $0 Minimum opening deposit is $100. The first 100 transactions per month will not be charged a fee. Transactions include deposit tickets, deposited items, checks, ACH, wires and other transactions. A fee of $0.25 will be charged for each additional transaction over 100 per month. A $30 fee will be charged when account is closed within 180 days after opening. Pro Squared Business Checking Over twice the number of items offered with Pro Free and includes debit card buy-down. Account Benefits: Up to 250 items per month included Fee is reduced by $0.25 with each Debit Card point-of-sale transaction that posts to your account until the fee is $0 Monthly service charge: $10 Minimum opening deposit is $100. The first 250 transactions per month will not be charged a fee. Transactions include deposit tickets, deposited items, checks, ACH, wires, point-of-sale (POS) and other transactions. A fee of $0.25 will be charged for each additional transaction over 250 per month. A $30 fee will be charged when account is closed within 180 days after opening. A total of 40 POS swipes per statement cycle would result in no monthly service charge for this account. Pro Interest Business Checking Offering the a large number of items per month, plus earns interest. Account Benefits: Up to 250 items per month included Earns interest Fee will be waived with a minimum daily balance of $2,500, or a combined balance of $10,000 Monthly service charge: $15 Monthly excess item fee: $0.25 per item for every item over 250 Minimum opening deposit is $100. A monthly service fee of $15 will be charged unless you maintain a minimum daily balance of $2,500 or a $10,000 combined daily balance in checking and savings accounts. The first 250 transactions per month will not be charged a fee. Transactions include deposit tickets, deposited items, checks, ACH, wires and other transactions. A fee of $0.25 will be charged for each additional transaction over 250 per month. A $30 fee will be charged when account is closed within 180 days after opening. Minimum daily balance to earn interest is $1. Accrual of interest on noncash deposits Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Your interest rate may change at any time at our discretion. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and percentage yield for these tiers may change. The interest rate for your account will be suspended in the event your account status becomes dormant. Compounding and Crediting Interest will be compounded every month. Interest will be added back to the principal every month. Effect of Closing If you close your account before interest is credited, you will receive the accrued interest. Balance Computation Method We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Pro Connect Business Checking Commercial account designed for high activity and additional treasury management services. Account Benefits: Connect accounts for earnings credit to reduce fees Monthly service charge: $20 Service charge reduced based on number of monthly items and earnings credit Account transaction fees: Debits - Electronic item: $ Paid items (checks or debits): $0.20 Credits - Electronic item: $ Credits posted: $ Deposit ticket: $ Deposited item: $0.10 (in addition to credit or electronic credit posted) Minimum opening deposit is $100. Earnings Allowance (also known as earnings credit) - an earnings allowance is used to offset eligible fees. Your earnings credit is calculated by applying the earnings credit rate to the investable balance available for services in your account. The earnings credit rate appears on the client analysis statement for your account. The earnings credit rate is determined by the Bank and is subject to change at the Bank s discretion. You pay a service charge when your fees exceed your earnings allowance in a given month. Uncollected funds: Uncollected funds are funds the Bank treats as having not yet been collected, on the basis of the Bank s current collection schedule. Fees for the use of uncollected funds - The fee for using uncollected funds is based on a monthly average. On any day you did not use uncollected funds we assign a zero value. Midland s base rate (Wall Street Journal Prime Rate) plus 4% is applied to your average daily negative collected balance for the monthly statement cycle. The average daily negative collected balance is the sum of the negative collected balance at the close of business on each day of the statement cycle divided by the number of days in the cycle. Recoupment - The Recoupment fee is Explanation of Recoupment fee: The FDIC charges each insured bank a fee to cover its share of the cost of providing deposit insurance to depositors. The FDIC does not charge a bank s depositors for deposit insurance or require banks to pass the cost of deposit insurance on to their depositors. The FDIC does, however, permit a bank to recoup the cost of deposit insurance from its depositors, so long as the fee the bank charges its depositors does not reveal information that could be used to determine the bank confidential supervisory ratings or mislead depositors by implying the FDIC is charging the fee. The Bank assesses this Recoupment fee to partially recover insurance premiums it pays to the FDIC for deposit insurance. The amount of the Recoupment fee appears on the periodic statement or client analysis statement for your account and is based on the monthly average ledger balance maintained in your account. The Recoupment fee is subject to change by the Bank at any time without notice. A $30 fee will be charged when account is closed within 180 days after opening. Pro Zero Business Checking Created to prevent excessive balances to more effectively control distribution of funds. Account Benefits: A checking account in which zero balance is 16 Welcome Guide

17 maintained by transfers of funds from a master account in an amount only large enough to cover checks presented Monthly service charge: $20 Minimum opening deposit is $100. A monthly service fee of $20 will be charged to your linked business analysis account called Pro Connect Business Checking. Funds are swept to and from the Pro Zero Business Checking as needed in order to cover expenses and maintain an ending daily balance of zero dollars. Pro Sweep Account Account providing investment opportunity for excess available funds at the close of each business day. This account is not FDIC insured, but collateralized by investment grade corporate securities and/or mortgage securities backed by the safety of Midland States Bank. Account Benefits: Maximize funds by sweeping excess funds into investment account daily Monthly service charge: $50 Charges can be offset by target balance in the Pro Connect Account Minimum balance to open is specified in your repurchase agreement. A $30 fee will be charged when account is closed within 180 days after opening. A target balance in your business analysis account, called Pro Connect Business Checking, may offset charges. Minimum daily balance to earn interest is $.01. Accrual of interest on noncash deposits Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Your interest rate may change at any time at our discretion. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and percentage yield for these tiers may change. The interest rate is tied to a Midland States Bank managed rate index. The interest rate index may change at any time and it may change without notice or limit. Government Backed Sweep Account This account is not FDIC insured, but collateralized by United States Government securities and/or U.S. Agency securities backed by the safety of Midland States Bank. Account Benefits: Maximize funds by sweeping excess funds into investment account daily Monthly service charge: $50 Charges can be offset by target balance in the Pro Connect Account Minimum balance to open is specified in your repurchase agreement. A $30 fee will be charged when account is closed within 180 days after opening. A target balance in your business analysis account, called Pro Connect Business Checking, may offset charges. Minimum daily balance to earn interest is $.01. Your interest rate may change at any time at our discretion. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and percentage yield for these tiers may change. The interest rate is tied to a Midland States Bank managed rate index. The interest rate index may change at any time and it may change without notice or limit. Business Savings Edmonds community college courses offers businesses a variety of savings investment tools. From regular savings or money market accounts to Certificate of Deposits, these investment accounts offer you the flexibility to set-aside money for purchases, expansion, lending collateral and future business initiatives. If you are concerned about risk, your funds are insured by the FDIC up to the standard limits. Business FlexSaver Account A simple and straightforward way to save. Minimum to avoid monthly service charge: $250 Monthly service charge: $3 Service charge waived if ACH deposit present Minimum opening deposit is $50. A $30 fee will be charged when account is closed within 180 days after opening. The monthly fee is waived each month if: 1) your minimum daily balance is $250 or more, or 2) you have an ACH deposit into this savings account during the month. Variable Rate - Your interest rate and annual percentage yield may change. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. Determination of corporation bank current account documents and frequency of rate changes - At our discretion, we may change the interest rate on your account at any time and without notice. If your account becomes dormant (no deposits or withdrawals or other transactions for 24 months), the interest rate will be suspended. To obtain the disclosed annual percentage yield, a minimum daily balance of $25 is required. Compounding and crediting - Interest will hot off the grill huntington beach menu every 3 months and interest will be added back to the principal every 3 months. If you close your account before interest is credited, you will receive the accrued interest. Balance Computation Method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of Interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations - During any monthly statement cycle, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. A transaction fee of $10 will be charged for each debit transaction (withdrawals, check paid, automatic transfer, or payment out of this account) in excess of 6 during a monthly statement cycle. Business Money Market Account The Business Money Market Account works like a checking account, but earns interest like a savings account. Designed for businesses looking for a competitive rate, our money market account offers accessibility, convenience and attractive rates wrapped into one account. Minimum to avoid monthly service charge: $10,000 average monthly balance Monthly service charge: $10 Minimum opening deposit is $2,500. A $30 fee will be charged when account is closed within 180 days after opening. Minimum daily balance to earn Welcome Guide 17

18 interest is $.01. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Your interest rate may change at any time at our discretion. The nsb bot for sale rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and percentage yield for these tiers may change. The interest rate for your account will be suspended in the event your account status becomes dormant. Account status becomes dormant after 12 months of inactivity. Compounding and Crediting - Interest will be compounded every month. Interest will be added back to the principal every month. Effect of closing - If you close your account before interest is credited, you will receive the accrued interest. Balance Computation Method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Convenient transfers from a Money Market Account or Savings Account are limited to six per monthly statement cycle. Convenient transactions include: Electronic checks, drafts, debit card PIN or POS and similar other third party, ACH debits and credits, PC Banking, Telephone Banking, Mobile Banking, Wire transfers, and sweep transfers. There is no limit to the number to transfers from checking or savings to a loan at Midland States Bank. A transaction fee of $10 will be charged for each debit transaction in excess of six during a monthly statement cycle. Fees could reduce earnings. Business Certificates of Deposit Whether your objective is short-term growth or a long-range investment, a Midland Certificate of Deposit (CD) is a time proven savings standard to help you achieve your financial goals. Traditional and versatile, CDs offer rates, terms and returns you can depend on. In addition, a Midland CD is FDIC insured - making it a safe and secure investment that will complement your overall savings goals. Terms: Beginning at 7 days Compounding Frequency: 1 month, 3 month, 6 month or 12 month options. Terms less than 31 days will be at maturity only. Interest Crediting: Compound and credit to CD, transfer to another Midland deposit account, ACH to another institution, or by check. Renewal: Automatic Renewal Statements: Statements may be available for CDs when combined with checking and/or savings account statements. Minimum opening balance is $500 for CDs. Upon maturity, you have 10 days to change the terms of, or withdraw money from your CD. Interest is not paid during the grace period unless renewed. Withdrawals may reduce earnings. Early Withdrawal Penalties: Terms of 7-30 days will equal 100% of accrued interest. Terms of 1-3 months will equal 1 month of accrued interest. Terms of 4-6 months will equal 3 months of accrued interest. Terms of 7-17 months and Variable IRAs will equal 6 months of accrued interest. Terms of 18 months or greater will equal 12 months of accrued interest. Public Funds Accounts Midland offers accounts specially designed for school districts and municipalities. Treasury First Income Plus Checking A simple and flexible account that meets the strict requirements of governmental and public fund entities. Minimum balance requirements may vary This account earns interest Service charges do not apply Minimum opening deposit for this checking account varies. Monthly service charges do not apply. A $30 fee will be charged when account is closed within 180 days after opening. Minimum daily balance to earn interest is $1. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Your interest rate may change at any time at our discretion. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and percentage yield for these tiers may change. The interest rate for your account will be suspended in the event your account status becomes dormant. Compounding and Crediting - Interest will be compounded every month. Interest will be added back to the principal every month. Effect of Closing - If you close your account before interest is credited, you will receive the accrued interest. Balance Computation Method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Treasury First Money Market Account Minimum balance requirements may vary This account earns interest Service charges do not apply Minimum opening deposit for this money market varies. A $30 fee will be charged when account is closed within 180 days after opening. Minimum daily balance to earn interest is $.01. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Your interest rate may change at any time at our discretion. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and percentage yield for these tiers may change. The interest rate for your account will midland states bank cd rates suspended in the event your account status becomes dormant. Account status becomes dormant after 12 months of inactivity. Compounding and Crediting - Interest will be compounded every month. Interest will be added back to the principalevery month. Effect of closing - If you close your account before interest is credited, you will receive the accrued interest. Balance Computation Method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Convenient transfers from a Money Market Account or Savings Account are limited to six per monthly statement cycle. Convenient transactions include: Electronic checks, drafts, debit card PIN or POS and similar other third party, ACH debits and credits, PC Banking, Telephone Banking, Mobile Banking, Wire transfers, and sweep transfers. There is no limit to the number to transfers from checking or savings to a loan at Midland States Bank. A transaction fee of $10 midland states bank cd rates be charged for each debit transaction in excess of six during a monthly statement cycle. Fees could reduce earnings. Business Loans When you need financing for your business, whether it s to add equipment or purchase a competitor, you need a bank with the capacity and commitment to deliver for you. Please come see us for your financing needs. Lending for Small Business, Commercial and Agricultural Uses: Term Loans Lines of Credit Real Estate Loans Business Credit Cards 18 Welcome Guide

19 Convenient Business Services Business Online Banking Through our Business Online Banking service, we offer fully integrated, transparent access to online applications that enable your business to manage its money conveniently from your office in a secure environment. Business Online Banking offers the helpful tools like bill pay, viewing and printing of check images, and access to your online statements. Additional money management tools include: Account Reconciliation with Positive Pay Combat the ever-growing risk of check fraud by utilizing Midland s Business Online Banking to reconcile your business account through the use of Positive Pay. Midland s Positive Pay service automatically matches each check presented for payment against a list of checks issued. Discrepancies are flagged through Business Online Banking, so you can decide whether to pay or decline a suspect check. Benefits Automatically identifies possible fraud - As you issue checks, you will enter the issue date, check number, amount and payee information into your online register. Any item that does not match the information you provided must be verified before it is paid. and cash concentration. Control your ACH risk by defining user entitlements, funding accounts, dual control requirements and transaction limits. Wire Transfers You have control with more payment options such as wire transfers. You can send funds electronically by initiating a wire transfer within your online banking account. Control your wire transfer risks by defining user entitlements, funding accounts, dual control requirements and transaction limits. Accounting Software Integration Through Web Connect, you will be able to export transactions from the Balance Reporting module within your Business Online Banking and import into Quicken or QuickBooks. This reduces manual data entry, improves reconciliation of data and eliminates risk of duplicate transactions. Other export options are available. Bank by Phone Bank by Phone is free, secure and helps you manage your accounts anywhere and anytime you want through the use of any touchtone phone. Learn more about this service in the Personal Banking section of this guide. BUSINESS DEBIT Delivers suspect check images online - By using Midland s Business Online Banking, you can review images of suspect checks and relay your decision electronically. Account Transfers Through Midland s Business Online Banking, you can more efficiently forecast and manage your cash position and move money between your accounts. Transfers can be initiated for same-day delivery with real-time authorization, or scheduled for future delivery. Transfers can also be setup to initiate on a recurring basis. In addition, you will receive automated confirmation alerts when a scheduled or recurring transfer occurs. Electronic Payments (ACH) Make electronic fund transactions online with ease, saving time and increasing efficiency. Payment types supported include: payroll, vendor, collections Midland s Debit MasterCard BusinessCard We want to give you the extra benefits that Debit MasterCard provides to protect you when using your card for making purchases. These benefits include: MasterRental Insurance. Provides primary coverage (up to $50,000) for eligible rental vehicles and secondary personal effects coverage for up to 31 consecutive days. Master RoadAssist. 24-hour emergency roadside Welcome Guide 19

20 assistance available through MasterCard and the American Automobile Association (AAA). MasterTrip. Travel assistance, including emergency cash, replacement of lost tickets, documents, and luggage. Purchase Assurance. Provides coverage against theft of or damage to most new items purchased with your eligible MasterCard card up to 90 days from the date of purchase. Coverage is limited to the cost of the item (excluding delivery and transportation costs), up to $10,000 per incident, and a total of $50,000 per cardholder account per calendar year. And More. Additional services such as MasterLegal, Value Added Tax Reclaim Service, MasterCoverage, and Zero Liability Protection (certain restrictions apply) are available to benefit your business. Additional terms, conditions, and limitations apply to these benefits. Learn more at MasterCard is a registered trademark of MasterCard International Incorporated. Remote Deposit Capture Remote Deposit Capture is a service provided by Midland to business customers offering the ability to scan checks and transmit the scanned images and/or electronic data to our bank for posting and clearing. The basic requirements for this service include a personal computer, Internet connectivity, a check scanner and software. Checks received at your business can be scanned to create a digital deposit. This digital deposit is then transmitted over an encrypted Internet connection to Midland. Your deposit is then accepted and posted to the appropriate account(s). Benefits Streamlined operations - Businesses with multiple locations can consolidate deposits by utilizing one bank. Your account structure is entirely based upon your business accounting needs. In addition, physical transportation costs are dramatically reduced, and in some cases eliminated entirely. Reduced risk of fraud - Remote Deposit Capture allows a returned item to be identified quicker, enabling your business to accelerate the collection process. Merchant Services When you re a merchant services customer at Midland States Bank, the transaction fee you pay when a customer uses a credit card is always the actual VISA, MasterCard and Discover interchange rate. You cannot process for less than the actual interchange rates across the board - so if you re paying a qualified rate, buy rate or discount rate with your current processor, then you are paying too much. We provide smart savings, plus personal service for merchant credit card payment transactions. Merchants save money with a single, low monthly flat rate for access to card payment processing services at cost, and trained customer service and technical support professionals available 24 hours a day, seven days a week. With us, you will be able to accept payment with any type of credit or debit card, and you will have access to other forms of electronic payment -- such as check processing, e-commerce gateways, Electronic Benefits Transfer (EBT) and gift/ loyalty programs - all at actual cost. Learn more at midlandsb.com. Wealth Management Midland States Bank s Wealth Management Group provides comprehensive wealth management programs and services for individuals, businesses and charitable organizations. We do not chase trends or templates. Instead, we explore your distinct set of goals, resources, risks and constraints, and then design solutions that fulfill your needs. By taking the time to understand your vision thoroughly, we develop a formal plan, allowing us to navigate your investment ideals with you. Midland States Bank Wealth Management offers: Investment Management Financial Planning Investment planning Retirement planning Education planning Estate planning Risk and insurance analysis Income and estate tax planning Charitable giving and philanthropic planning Business succession planning Trust and Estates Services Brokerage Services 20 Welcome Guide

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CT & MA

Direct deposit isn’t required but account needs to be open for one year to receive $50 of the bonus. The upside is that the account has no monthly fees to worry about.

First Federal Credit Bank of commerce crowley la hours $200 Checking Bonus – IA only – No Direct Deposit Required

Direct link to offer

Nice bonus with no monthly fee or direct deposit requirement.

ENT Credit Union $200 Bonus – No Direct Deposit Required – CO only

Direct link to offer

No monthly fees to worry about and doesn’t require a direct deposit.

Ballston Spa National Bank (BSNB) $250 Checking Bonus – Some Areas of NY

Direct link to offer

Previously this had to be opened in branch, but now it can be opened online as well.

Waterstone Bank $250 Checking – WI only

Direct link to bonus

No monthly fee. There is also a $100 money market bonus.

Citizens Bank $400  Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT

Direct link to offer

This is the highest bonus they have offered, it’s hard to keep the account fee free but that shouldn’t really be an issue as you can just pay the monthly fee and still end up ahead.

HomeTrust Bank $400 Bonus – NC, SC, TN, VA

Direct link to offer

Normally this is only a $150 bonus, so this is significantly higher but does require a direct deposit.

Marine Bank $450 Checking Bonus – IN, IL, WI

Direct link to offer

Nice big bonus, shame there is no credit card funding and it seems like they might be ChexSystems sensitive but still worth considering doing.

First Bank Financial Centre (FBFC) $150 Bonus – Direct Deposit Not Required

Direct link to offer

No monthly fees or direct deposit required. $150 donation is also made to a local school program.

First National Bank (FNB) $400 Checking Bonus – MD, DC & OH

Direct link bonus

Nice big bonus with small requirements and you only need eStatements to keep it fee free. There was a $600 version of this bonus in the past, but that was available in less areas.

WinTrust Bank $300 Checking – IL, FL, WI, IN only

Direct link to offer

Much better than the $100 bonus they previously offered. There is also a $200 savings bonus that can be done at the same time.

Seacoast Bank $350 Bonus – FL only

Direct link to offer

There is also a $150 savings bonus that can be done at the same time.

Addition Financial $300 Bonus – FL only

Direct link to offer

Can also refer people and midland states bank cd rates a $100 bonus as well.

Dedham Savings Bank – $250 Bonus – MA only

Direct link to offer

Better than the standard $100 offer they usually have.

Huntington Bank $200/$500 Bonus – OH, MI, IN, PA, KY, WV & IL – Direct Deposit Not Required

Direct link to offer

$500 bonus is not always available but it is currently available now.

Premier Bank $250 Bonus – OH, MI, IN and PA

Direct link to offer

Bonus is midland states bank cd rates down into different $50 increments, so can do a lot of the bonus without needing to do a direct deposit.

Wescom $250 Checking Bonus – CA Only

Direct link to offer

Small amount of credit card funding is nice, although it’s difficult to keep the account fee free.

Fidelity Bank $250 Checking Bonus – MA

Direct link to offer

Requires 12 debit card transactions of $10+ for the first two months.

South State Bank $200 checking Bonus – GA, NC, SC, VA – Direct Deposit Not Required

Direct link to offer

Doesn’t require a direct deposit either.

City National Bank $200 Checking Bonus – VA, WV, OH

Direct link to offer

No monthly fees to worry about.

HarborOne Bank $200 Checking & Savings Bonus – MA, NH, and RI

Direct link to offer

They have offered a bigger bonus in the past, but the requirements for this bonus are much easier to meet.

TD Bank up To $300 Checking Bonus [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]

Direct Link to offer

Excellent bonus, but does have quite a large direct deposit requirement to get the $300 and needs a balance of $2,500 to keep it fee-free. There is also a $200 savings bonus sometimes available, but not this time around.

Investor Bank $250/$350 In Branch Checking Bonus – NY & NJ – Direct Deposit Not Required

Direct link to offer

No longer being advertised online, but the offer itself is still available and worth doing. Bit annoying you need to go into a branch

ACNB/NWSB – $300 Bonus – PA & MD only

Direct link to offers

They have offered a slightly bigger bonus somewhat recently, but I don’t see that coming back anytime soon so I’d recommend jumping on this offer instead.

KeyPoint Credit Union $300 Checking – CA Only

Direct link to offer

Big bonus with a nice amount of credit card funding.

Hancock Whitney $300 Checking Bonus – LA, MS, FL, AL, TX

Direct link to offer

Not as good as the previous bonus that didn’t require a direct deposit, but still worth doing.

Provident Credit Union $300 Checking Bonus – CA only

Direct link to offer

Requires 2 x $400 in debit spend and 2 x $500 direct deposit, but if can manage those it’s a nice bonus. There is a hard pull.

1st United Credit Union $200 Checking Bonus – CA only, Direct Deposit Not Required

Direct link to offer

Nice amount of credit card funding. Bonus is sometimes only $100.

Idaho Central Credit Union (ICCU) $200 Bonus – ID, WA, OR, Direct Deposit Not Required

Direct link to offer

Most of the requirements for this bonus are really easy, but you do need to complete a financial check up for $50 of the bonus.

First Bank $200 – VA & MD – Direct Deposit Not Required

Direct link to offer

This one does have a monthly fee, but fairly easy to avoid plus a nice amount of credit card funding. Direct deposit no longer required and bonus has been increased from $100 to $200.

Direct link to offer

There is also a $100 sa

Fulton Bank $200 Checking Bonus – Direct Deposit Not Required – DE, DC, MD, NJ, PA, & VA

Direct link to offer

Technically this is targeted, but you can google the bank name and the bonus should show up as an ad.

Middlesex Savings Bank $200, Direct Deposit Not Required – MA

Direct link to offer

Only requires 8 debit card purchases and has no monthly fees.

Citadel Bank $300 Checking Bonus – PA only

Direct link to offer

You can also get a $100 savings bonus from Citadel as well which is nice. No monthly fees to worry about either.

Sterling Bank $250/$450 Bonus – NY In Branch Only

Direct link to offer

Bonus would be higher, but both bonuses require a big deposit as well ($15,000 or $50,000)

Independent Bank $250 – MI

Direct link to offer

Can do some of this bonus without the direct deposit which is nice and no monthly fees to worry about.

Home Federal Savings Bank $250 – MN & IA only

Direct link to offer

Previously the bonus was only $200 but could be combined with a savings offer as well.

Stoneham Bank $250 Checking Bonus – MA & NH

Direct link to offer

This account does have a monthly fee but it’s easy to waive.

Five Star Bank – $100/$300 Checking Bonus – NY

Direct link to offer

Bigger bonus is how to close a bank of america account from abroad $250 and smaller bonus is normally $150. So depends what offer you’re going for if this new offer is better or not.

Regions Bank $200 Checking Bonus + $50 Referral – AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN & TX

Direct link to offer

Been a long time since we’ve seen a bigger bonus than this from Regions and given they are churnable every 12 months you might as well settle for $200 and get that clocking going for another bonus.

Frontier Bank $200 Bonus – IA, MN, SD, NE, ND

Direct link to offer

Requirements are relatively easy to meet and they have an account with no monthly fees to worry about.

Teacher’s Credit Union $200 Checking Bonus – IN & MI

Direct link to offer

Nice amount of credit card funding as well.

Bar Harbor Bank & Trust $200 Checking Bonus – ME, VT & NH

Direct link to offer

They offer a free checking account.

First Financial Bank $100 Checking Bonus + $100 Donation To United Way – Direct Deposit Not Required – IL, IN, KY, OH

Direct link to offer

Can avoid the direct deposit requirement by making three payment transactions (debit card or billpay), also no monthly fees to worry about.

Broadway Bank $200 – TX Only

Direct link to offer

The direct deposit requirement has been increased.

Cap Ed Credit Union $100 Checking Bonus – No Direct Deposit Required – ID only

Direct link to offer

Nice bonus with no monthly fees or direct deposit required.

Southland Credit Union $175 Bonus – CA

Direct link to offer

Not the most exciting bonus, but still worth doing if you live in the area. Nice thing is that direct deposit isn’t required for a lot of the bonus

Sharepoint Credit Union $150 Checking Bonus – MN only

Direct link to offer

Account also offers 5% APY on balances up to $5,000

Tower Federal Credit Union $100 – MD – No Requirements

Direct link to offer

This bonus has no monthly fees or requirements to trigger, making it extremely easy.

Macatawa Bank $150 Checking Bonus – MI – No Direct Deposit Required

Direct link to offer

Nice easy bonus with a decent amount of credit card funding and no monthly fees to worry about.

1st United Credit Union $100 Checking Bonus – CA only – No Direct Deposit Required

Direct link to offer

Bonus is relatively small, but nice amount of credit card funding.

Tower Federal Credit Union $100 Bonus – MD Only – Direct Deposit Not Required

Direct link to offer

Really easy bonus to meet the requirements for and no monthly fees either.

Westfield Bank $100 Bonus – OH Only – Direct Deposit Not Required

Direct link to offer

Any ACH deposit will work for this, doesn’t need to be direct deposit/payroll.

Jovia Financial Credit Union $150 Checking Bonus – NY Only

Direct link to offer

Only requires a small direct deposit and no monthly fee.

Desert Financial Credit Union $100 Referral Bonus For Both Parties – AZ only

Direct link to offer

Requires a referral, but that potentially makes it more profitable for those that do sign up if you can refer some friends/family.

Gesa Credit Union $100 Checking Bonus – WA, ID, OR only

Direct link to offer

This doesn’t require a direct deposit, any ACH will work fine according to the terms. Number of other requirements but worth doing for such a large bonus. Especially with the huge amount of credit card funding available as well.

Sacramento Credit Union $150 Checking Bonus – CA Only

Direct link to offer

No monthly fees to worry about and a small amount of credit card funding but very restricted location requirements.

TruStone Financial $150 – WI & MN only

Direct link to offer

Another smallish bonus with a few requirements, worth considering after doing the bigger/easier bonuses first.

East Boston Savings Bank $100 + Free Gift

Direct link to offer

Free gift is basically worthless, but $100 bonus is still worth it.

Direct link to offer

No monthly fee to worry about and nice amount of credit card funding as well.

Fidelity Bank Up To $200 Bonus – MA only

Direct link to offer

This is a $100 bonus unless you’re an essential worker.

Affinity FCU $150 Bonus – NY, NJ, CT

Direct link to offer

Account also earns 1% cash back on debit card purchases as well.

Byline Bank $150 Bonus – IL, WI

Direct link to offer

Can also be done with the savings account for a total bonus of $300.

Power Financial Credit Union $100  – No Direct Deposit Required – FL only

Direct link to offer

Unfortunately seems to be a hard pull according to most people.

Service Credit Union $100 Checking Bonus, Direct Deposit Not Required (NH/MA)

Direct link to offer

Previously there was a $100 referral bonus for both parties. But this new bonus doesn’t require a direct deposit making it a better option as long as you weren’t getting a friend/family member to refer you. Not sure we will ever see that referral bonus return either.

Premier America Credit Union $100 Bonus – CA & TX

Direct link to offer

No monthly fee to worry about.

Heritage Credit Union $100 – WI & IL – In Branch

Direct link to offer

Pretty small bonus and it also needs to be opened in branch. At least there is no monthly fees to worry about.

California Coast Credit Union $100 Bonus – CA only

Direct link to offer

California Coast sometimes have good CD rates as well. This is a small bonus but worth doing if you’ve already done bigger bonuses listed above.

USE Credit Union $100 Bonus – CA only

Direct link to offer

This is a referral bonus, so the bonus referring you will also receive $100.

Heritage Credit Union – WI & IL only – $100 Bonus

Direct link to offer

No monthly fees to worry about but a relatively small bonus.

Western State Bank – $100 – AZ ND – In Branch Only

Direct link to offer

Another relatively small in branch bonus, still worth doing if you live near a branch and have done the bigger bonuses listed above.

The Bank of Princeton $100 Checking Bonus – NJ & PA, In Branch

Direct link to offer

No monthly fee is required which is nice.

City National Bank – $100 Checking – VA, WV, OH – In Branch

Direct link to offer

Not the most attractive offer given that it’s only $100 and in branch only, but still worth considering for those that have done the bigger bonuses above.

Frontwave Credit Union $100 Checking Bonus – CA – In Branch

Direct link to offer

Bonus isn’t advertised online but still available in branch.

Honor Credit Union $250 Checking Bonus – MI

Direct link to offer

The credit card funding is interesting, but it’s unfortunate about the $15 fee and also the hard pull to open the account.

Old Hickory Credit Union $150 Checking Bonus, Direct Deposit Not Required – TN

Direct link to offer

This would be higher but it’s a hard pull unfortunately.

Highly Region Specific/Branch Specific

Hudson Valley Federal Credit Union $750 Checking Bonus – NY (Westchester or Rockland)

Direct link to offer

Huge bonus, but we don’t know much about this bank and it’s only available in a few small areas.

University Federal Credit Union $300 Checking Bonus – UT

Direct link to offer

Available in Salt Lake County, Utah County, Davis County, Tooele County, Summit County and Wasatch Counties.

Unify Financial Credit Union $150 Bonus – Collin County, TX

Direct link to offer

Not as good as the previous $100 + two LA rams tickets that could be sold for well over $100, but it’s still worth considering/doing if you missed that one. Unfortunately no longer nationwide

Southland Credit Union $200 Checking Bonus – CA Long Beach

Direct link to offer

Only available at the long beach location.

Recent Changes

  • [11/23/21] Added Broadway Bank $200 – TX Only
  • [11/23/21] Added Hancock Whitney $300 Checking Bonus – LA, MS, FL, AL, TX
  • [11/23/21] Added Five Star Bank – $100/$300 Checking Bonus – NY
  • [11/23/21] Added Farm Bureau Bank $250 – NV
  • [11/23/21] Added Penn Community Bank $200 Checking Bonus – Direct Deposit Not Required, PA
  • [11/23/21] Added Power Financial Credit Union $100  – No Direct Deposit Required – FL only
  • [11/22/21] Removed Community Choice Credit Union $100 Bonus – MI
  • [11/21/21] Removed Union Savings Bank $250/$500 Business Checking Bonus – CT
  • [11/16/21] Removed Sandy Spring Bank $200 Bonus – MD, DC & VA
  • [11/15/21] Added First Midwest Bank $500 Business Checking Bonus – In Branch IL, IN, IA, WI
  • [11/15/21] Added Citadel Bank $300 Checking Bonus – PA only
  • [11/14/21] Removed KeyBank $200 Bonus – AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
  • [11/11/21] Added ACNB/NWSB – $300 Bonus – PA & MD only
  • [11/11/21] Added Axos Bank $100 Checking Bonus
  • [11/11/21] Added Idaho Central Credit Union (ICCU) $200 Bonus – ID, WA, OR, Direct Deposit Not Required
  • [11/11/21] Added U.S. Bank $400 Checking Bonus
  • [11/11/21] Added Current $120 + $50 Checking Bonus
  • [11/11/21] Added KeyBank $200 Bonus – AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
  • [11/11/21] Added Affinity Federal Credit Union $150 Bonus
  • [11/11/21] Added U.S. Bank $300 Business Checking
  • [11/11/21] Added American Express Business Checking $300
  • [11/11/21] Added BMO Harris $200/$500 Checking Bonus – AZ, FL, IL, IN, KS, MO, MN and WI
  • [11/9/21] Removed Denmark State Bank portable tiny homes for sale Checking Bonus – WI only – Direct Deposit Not Required
  • [11/8/21] Removed San Mateo Credit Union $100, Direct Deposit Not Required – CA
  • [11/8/21] Removed We Florida Financial Credit Union $250 Checking Bonus – FL only
  • [11/8/21] Removed Penn Community Bank $300 Checking Bonus – PA, In Branch Only
  • [11/3/21] Removed North Shore Bank $300 Checking Bonus – Direct Deposit Optional
  • [11/2/21] Removed Chartway Federal Credit Union $100 Referral Bonus – Direct Deposit Not Required
  • [11/2/21] Removed Atlantic Union Bank $250 – VA, MD & NC
  • [10/31/21] Added Frontwave Credit Union $100 Checking Bonus – CA – In Branch
  • [10/31/21] Added Community Choice Credit Union $100 Bonus – MI
  • [10/31/21] Added Stoneham Bank $250 Checking Bonus – MA & NH
  • [10/31/21] Added Citizens Bank $400  Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT
  • [10/30/21] Removed People’s United Bank $300-$400 Checking Bonus – MA, ME NH CT VT & NY
  • [10/28/21] Removed Citizens Bank $400  Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT
  • [10/28/21] Added San Mateo Credit Union $100, Direct Deposit Not Required – CA
  • [10/28/21] Added 1st United Credit Union $200 Checking Bonus – CA only, Direct Deposit Not Required
  • [10/28/21] Added Discover Savings Bonus $150/$200 with $15,000/$25,000 Deposit
  • [10/22/21] Added Home Federal Savings Bank $250 – MN & IA only
  • [10/22/21] Added North Shore Bank $300 Checking Bonus – Direct Deposit Optional
  • [10/22/21] Added Sandy Spring Bank $200 Bonus – MD, DC & VA
  • [10/22/21] Added First Home Bank $500 Business Checking Bonus – FL
  • [10/22/21] Added Old Hickory Credit Union $150 Checking Bonus, Direct Deposit Not Required – TN
  • [10/22/21] Added Union Savings Bank $250/$500 Business Checking Bonus – CT
  • [10/22/21] Added Affinity FCU $150 Bonus – NY, NJ, CT
  • [10/22/21] Added Premier Bank $250 Bonus – OH, MI, IN and PA
  • [10/22/21] Added Heritage Credit Union $100 – WI & IL – In Branch
  • [10/21/21] Added South State Bank $200 checking Bonus – GA, NC, SC, VA – Direct Deposit Not Required
  • [10/21/21] Added Fidelity Bank $250 Checking Bonus – MA
  • [10/21/21] Added Varo Money $126 Bonus, Direct Deposit Not Required
  • [10/21/21] Added Albert Neobank $115 + $75 Bonus
  • [10/20/21] Removed BMO Harris $200/$500 Checking Bonus – AZ, FL, IL, IN, KS, MO, MN and WI
  • [10/20/21] Removed Discover Savings Bonus $150/$200 with $15,000/$25,000 Deposit
  • [10/19/21] Added Fidelity $100 Bonus
  • [10/17/21] Removed South State Bank $200 checking Bonus – GA, NC, SC, VA, FL, AL – Direct Deposit Not Required
  • [10/14/21] Removed Chase $750 Business Checking Bonus
  • [10/7/21] Added Axos Bank $75 Checking Bonus
  • [10/4/21] Added Middlesex Savings Bank $200, Direct Deposit Not Required – MA
  • [10/4/21] Added Premier America Credit Union $100 Bonus – CA & TX
  • [10/4/21] Added Kabbage by American Express $300
  • [10/4/21] Removed Fairwinds Credit Union $100 Referral Bonus
  • [10/4/21] Removed Santander $450 NH, FL, MA, RI, CT, DE, NY, NJ, or PA – In Branch
  • [10/4/21] Removed Five Star Bank – $100/$300 Checking Bonus – NY
  • [10/4/21] Removed Orlando Credit Union $300 Bonus – FL Only
  • [10/4/21] Removed Heritage Credit Union $100 – WI & IL – In Branch
  • [10/4/21] Removed Premier Members Credit Union $200 Checking Bonus – Pueblo County, CO
  • [10/4/21] Removed S&T Bank $300 – PA & OH
  • [10/4/21] Removed Bank of Hope $500 Business Checking Bonus – AL, CA, IL, NJ, NY, TX, VA, WA, In Branch
  • [10/4/21] Removed SAFE Credit Union $400 Bonus – CA Only
  • [10/3/21] Removed UMB Bank $300 Checking Bonus – AZ, CO, IL, MO, NE, OK, KS, TX
  • [10/2/21] Removed Fairwinds Credit Union $100 Referral Bonus
  • [9/30/21] Added Spiral Bank $50, Direct Deposit Not Required
  • [9/30/21] Added Denmark State Bank $200 Checking Bonus – WI only – Direct Deposit Not Required
  • [9/30/21] Added Fulton Bank $200 Checking Bonus – Direct Deposit Not Required – DE, DC, MD, NJ, PA, & VA
  • [9/30/21] Added Penn Community Bank $300 Checking Bonus – PA, In Branch Only
  • [9/30/21] Added Discover Savings Bonus $150/$200 with $15,000/$25,000 Deposit
  • [9/30/21] Added Chartway Federal Credit Union $100 Referral Bonus – Direct Deposit Not Required
  • [9/30/21] Added Lili Bank $100 + $70 – No Direct Deposit Required
  • [9/30/21] Added Regions Bank $200 Checking Bonus + $50 Referral – AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN & TX
  • [9/28/21] Removed Kabbage By AmEx – $300
  • [9/25/21] Removed Trustco Bank $100 Checking Bonus – FL, MA, NJ, NY, VT
  • [9/21/21] Removed KeyBank $200 Bonus – Midland pawn fort smith arkansas, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
  • [9/21/21] Removed U.S. Bank $400 Checking Bonus
  • [9/19/21] Removed HSBC $400 Business Checking Bonus
  • [9/16/21] Removed FNBO Bank – $250 – Direct Deposit Optional – CO, KS, NE, IA, SD, IL, KS, TX
  • [9/14/21] Added Atlantic Union Bank $250 – VA, MD & NC
  • [9/14/21] Added Independent Bank $250 – MI
  • [9/14/21] Added Seacoast Bank $350 Bonus bremer com online banking login FL only
  • [9/14/21] Added MidFirst Bank $300 Bonus – Direct Deposit Not Required – AZ only
  • [9/14/21] Added First National Bank (FNB) $400 Checking Bonus – MD, DC & OH
  • [9/14/21] Added Santander $450 NH, FL, MA, RI, CT, DE, NY, NJ, or PA – In Branch
  • [9/14/21] Added Monifi $250 Checking Bonus
  • [9/14/21] Added UMB Bank $300 Checking Bonus – AZ, CO, IL, MO, NE, OK, KS, TX
  • [9/14/21] Added VantageWest Credit Union $300 – AZ Midland states bank cd rates – Direct Deposit Not Required
  • [9/11/21] Removed Old National Bank $200 Bonus – IN, KY, MN & MI
  • [9/7/21] Removed First Commonwealth Federal Credit Union $250 Checking Bonus – PA, NJ
  • [9/7/21] Removed Bank & Trust $600 Checking Bonus
  • [9/7/21] Removed Monifi $250 Checking Bonus
  • [9/7/21] Removed Orange County’s Credit Union $100 Checking Bonus CA Only
  • [9/2/21] Removed Midland States Bank $250 Bonus – IL, MO
  • [8/27/21] Removed UnionBank $300 Bonus – Direct Deposit Not Required – CA, OR, WA
  • [8/27/21] Removed Harborstone Credit Union $100 Bonus – WA only – Direct Deposit Optional
  • [8/24/21] Added WinTrust Community Bank $300 Bonus – IL, WI, FL
  • [8/24/21] Added GTE Financial $100 Checking Bonus – Direct Deposit Not Required
  • [8/23/21] Added Trustco Bank $100 Checking Bonus – FL, MA, NJ, NY, VT
  • [8/23/21] Added Teacher’s Credit Union $200 Checking Bonus – IN & MI
  • [8/19/21] Added Brex Up To 110,000 Points
  • [8/19/21] Added FNBO Bank – $250 – Direct Deposit Optional – CO, KS, NE, IA, SD, IL, KS
  • [8/19/21] Added KeyBank $200 Bonus – AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
  • [8/19/21] Added Chime – $250-290 Bonus
  • [8/19/21] Removed Broadway Bank $200 Bonus – TX
  • [8/18/21] Added South State Bank $200 checking Bonus – GA, NC, SC, VA, FL, AL – Direct Deposit Not Required
  • [8/18/21] Added S&T Bank $400 – PA & OH – Direct Deposit Not Required
  • [8/18/21] Added Albert Neobank $60 + $75 Bonus
  • [8/18/21] Added Premier Members Credit Union $200 Checking Bonus – Pueblo County, CO
  • [8/18/21] Added Addition Financial $300 Bonus – FL only
  • [8/14/21] Removed KeyBank $200 Bonus – AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
  • [8/5/21] Added Sharepoint Credit Union $150 Checking Bonus – MN only
Источник: https://www.doctorofcredit.com/best-bank-account-bonuses/

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