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Personal Banking Checking Standard Checking Account NOW Checking Account Maximum Free Checking Savings Eagles Nest Savings CDs Silver Statesman Kid's Club Vacation and Christmas Clubs
Deposit Rates

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 CheckingMaximum Free Checking*Silver Statesman AccountNOW
Minimum Initial Deposit  $20 $20 $20 $500

Minimum Balance To avoid Service Charge

 $0 $0 $0 $500
Monthly Service Charge  $0 $0


(See club details & benefits)

$7.50 if balance falls below $500

 $29 overdraft 

$29 return check

$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 Yes, upon opening
Debit Card  Yes upon opening Yes, upon opening Yes, upon opening Yes, upon opening

Special Benefits

 Free Checks

Free Internet Banking

Free Bill Pay

  • Free Checks (Choose one of 8 designs)


 *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)

  • 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
  • Occasional Banquets
  • 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
  • must be 50 or older
  • Interest bearing account
  • Unlimited checks per month


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.

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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

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