Mid America Bank & Trust Co. – Checking Accounts

Mid America Bank & Trust Company, your hometown bank, offers several types of checking accounts so you can choose the one that best serves your financial needs and lifestyle. Select the checking account and the features you like - from a standard account with no minimum balance requirement to our Now and Super Now interest-bearing accounts. For our older customers, there is Gold Checking for those 62 and over, and the Silver Statesman Checking for those 50 and older. Each offers free checks and other benefits. Read more about our accounts below. Please contact us or visit us in Dixon or St. Robert if you would like more information regarding new accounts, eligibility requirement rules, regulations or current interest rates.

Free Checking

Gold Checking*

Silver Statesman Club**

NOW Account

SuperNOW Account

Minimum Opening Deposit

$100

$500

$100,000

Minimum Balance

$500

$100,000

Monthly Service Charge

$5.00

$7.50 if balance falls below $500

$7.50 if balance falls below $100,000

Fees

$22 overdraft
$22 return check

ATM Card

Yes upon opening

Yes Upon opening

Debit Card

Yes upon opening

Special Benefits

• Free Checks (Choose one of 8 designs)

• Free Economy Line Checks
• Free small safety deposit box or $15 credit toward a larger box
• No fees on traveler cheques for one
• No fees on Cashiers Checks, photocopies or faxes

• (2) Banquets/year
• Group rates on sponsored trips, which also applies to immediate family members 13 years of age and older

• 1/2 off Discover Gift Card fees or American Express Gift Card fees

• .10% above on interest bearing accounts

• Silver Statesman NOW and Silver Statesman Money Market also available.

• Interest bearing account
• Unlimited checks per month

*must be 62 or over, a church or a civic organization.
**must be 50 or older.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.