Personal Checking
Not everyone uses checking accounts the same way. That is why you need a bank that has a variety of options to serve you. From free checking accounts to online banking accounts, we have one to meet your individual needs.
Mid America Bank & Trust Company offers several types of checking accounts so you can choose the one that best serves your lifestyle and financial needs. Select the checking account and the features you like - from a standard account with no minimum balance requirement to our Maximum Free Checking and interest-bearing accounts. Each offers free checks and other benefits. Read more about our accounts below. If you would like more information regarding new accounts, eligibility requirements, regulations or current interest rates, contact us or visit us in Dixon, St. Robert, and Rolla.
| Standard Checking | Maximum Free Checking | Silver Statesman Account* | NOW Account |
|
|---|---|---|---|---|
| Minimum Initial Deposit | $20 | $20 | $500 | |
|
Minimum Balance To avoid Service Charge |
$0 | $0 | $500 | |
| Monthly Service Charge | $0 |
$5.00 (See club details & benefits) |
$7.50 if balance falls below $500 | |
| Fees | $29 overdraft $29 return check |
$29 overdraft $29 return check |
$29 overdraft $29 return check |
|
| ATM Card | Yes, upon opening | Yes, upon opening | Yes, upon opening | |
| Debit Card | Yes, upon opening | Yes, upon opening | Yes, upon opening | |
|
Special Benefits |
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TO MEET REQUIREMENTS FOR MAXIMUM FREE CHECKING *must receive statement electronically *must access internet banking one time during statement period *receive one ACH item each month(debit or credit) *must use debit card 10 times each month (must be P. O. S. transactions) |
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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 will also ask to see your driver's license, social security card, voter registration card, a recently paid bill, or other identifying documents; a total of two forms of ID are requested.
NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTAs").
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
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Dixon Branch | PO Box 400 | 216 West 2nd Street | Dixon, MO 65459 | 573-759-2121 | 573-759-2332 FAX
St. Robert Branch | PO Box 1097 | 434 Hwy Y | St. Robert, MO 65584 | 573-336-7777 | 573-336-7444 FAX
Rolla Branch | PO Box 68 | 960 South Bishop Avenue | Rolla, MO 65401 | 573-364-3131 | 573-364-7178 FAX
Toll Free: 1-800-720-7178 | mabtc@midamericabanking.com
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