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Personal Savings

Open the right Midland savings account for you. Then, build it up and watch it grow.

Open a Savings Account

Savings and CD Options

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Opening a FlexSaver account is the perfect way to start building your savings. You'll get unlimited access to your account, including online and mobile options.

Learn More >>   Open Account >>




Start saving for your kids today and open a YouthSaver account. Kids under 18 can cosign with an adult to jumpstart their savings. You can create a YouthSaver account with as little as $5 and enjoy zero monthly maintenance fees.

Learn More >>   Open at Any Midland Location >>

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Health Savings Account (HSA)

Make pre-tax contributions to an HSA to help pay for qualified health care expenses. Any unused funds roll over each year, regardless of your employment status. You'll also get a Midland HSA Mastercard debit card to pay for qualifying medical and prescription costs.

Learn More >>   Open at Any Midland Location >>



Money Market

A money market account acts like checking while earning like savings for the best of both worlds. You'll benefit from a competitive interest rate as well as debit card and check-writing access.

Learn More >>   Open Account >>

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Individual Retirement Account (IRA) CD

Grow your retirement earnings with a tax-free (Roth) or tax-deferred (Traditional) IRA account. Your IRA is insured by the Federal Deposit Insurance Corp. (FDIC) up to the maximum amount allowed by law.

Learn More >>   Open at Any Midland Location >>



Certificate of Deposit (CD)

A CD is a low-risk savings option that can boost your earned interest while investing your money safely. You'll get fixed rates and flexible terms, with one-week to five-year term lengths available.

Learn More >>   Open Account >>


Compare CDs & Saving Accounts


  FlexSaver YouthSaver Money Market Health Savings CD IRA CD
Min. opening balance $50 $5 $2,500 $100 $500 $500
Min. daily balance to earn interest¹ $.01 $.01 $.01 $.01 $.01 $.01
Monthly service charge $3 $0 $15 $3 N/A N/A
Knock service charge down to $0

$250 min. daily balance requirement¹ or electronic deposit²


$2,500 min. daily balance¹

$1,500 min. daily balance¹

Branch / ATM Access    
Debit Card Access        
Online Banking
Mobile Alerts    
Bank by Phone
Age requirement³          
Tax Advantages⁴        
Overdraft Protection⁵      
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Opening a Savings Account with Midland States Bank

At Midland States Bank, we make it easy for you to take control of your savings. We offer:

  • Interest-earning savings accounts: Grow your balance over time with an interest-earning savings account.
  • Online application: Open a FlexSaver, Money Market Account or CD online in just minutes.
  • Digital services: Monitor and manage your savings account from your computer or mobile device.
  • Financial expertise: Get help from our financial experts whenever you need it.
  • Outstanding customer service: Depend on our prompt, friendly and transparent support.

Frequently Asked Questions

Opening a personal savings account is a great way to build an emergency fund and save for larger purchases. Midland States Bank has savings account options to help you at every stage of life.

To open a personal savings account, you must provide:

  • Government-issued identification.
  • Your home address.
  • Your contact information.
  • Your social security number (SSN).

Our monthly service fees are as follows:

  • FlexSaver: $3 per month. Make your monthly fee $0 with a minimum daily balance of $250 or a monthly electronic deposit (ACH).
  • Money Market: $15 per month. Make your monthly fee $0 with a minimum daily balance of $2,500.
  • HSA: $3 per month. Make your monthly fee $0 with a minimum average balance of $1,500.
  • YouthSaver: There is no monthly service charge for our YouthSaver accounts.

Open a FlexSaver, Money Market Account or CD online or in-person at any Midland location.

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A Partner You Can Count On

Midland States Bank offers a range of services to help you achieve your financial goals. Since our humble beginnings as a one-branch bank in Effingham, Illinois, we've grown into a diversified financial services company. We're dedicated to providing you with world-class banking services.

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Open an Account Today

Open your account online or at any Midland States Bank location.

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Other Services You May Be Interested In:

Some restrictions may apply. A $40 fee will be charged when an account is closed within 180 days after opening. 1) Savings, Money Market, and Health Savings: Accrual of non-cash 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 and annual percentage yield may change at any time. CDs and IRAs: Withdrawals may reduce earnings and are subject to an early withdrawal penalty. Fees may reduce earnings. Interest paid on collected balance. 2) FlexSaver: Knock your service charge down to $0 when you keep a minimum daily balance of $250 or receive a monthly electronic deposit (ACH) into this account. 3) YouthSaver Savings age requirement: Under 18 (with co-owner over the age of 18 years of age jointly owned by minor and parent/guardian). Upon account owner reaching 18 years of age, account automatically changes into a FlexSaver account 4) Health Savings Accounts are a depository instrument only. Insurance is not provided by the Bank. Consult your tax advisor for tax savings. 5) Link your savings or Money Market account to your Midland checking to prevent an overdraft. Account set-up is required. A fee of $10.00 per transfer will apply. Please ask for details.

See our Courtesy Overdraft Policy for further information.