Welcome to Midland States Bank
Welcome Guide. Important information about changes that affect your Heartland Bank accounts.
Table of Contents
1
A little about us.
4
Personal Checking
6
Personal Savings
7
Personal Money Market
7
Personal CDs and IRAs
8
Overdraft Protection
9
Convenient Personal Services
12
Personal Loans
12
Business Checking
14
Business Savings
14
Business Money Market
15
Business CDs
15
Public Funds Accounts
15
Business Loans
16
Convenient Business Services
17
Wealth Management
18
Other Bank Services
19
Disclosures
24
Service Fees
26
External Transfer and Popmoney Limitations and Service Fees
27
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.
A little about us.
Midland States Bank is probably not a name with which you are familiar. So, we wanted to
tell you a little about ourselves.
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 39 locations
• Bank assets of $1.7 billion
• Wealth Management assets under administration of $1.1 billion
• Rated 5-stars (one of strongest banks in the nation) by BauerFinancial, Inc. as of year-end
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 at
Heartland Bank.
The common thread that links Midland and Heartland is one that may be the reason you
selected Heartland originally. Both organizations are community banks with long histories
of community service and helping generations of families with their personal, business and
wealth management needs. At the core, we are both community banks investing back in
the communities we serve. This will not change.
With more branches, more products and services, and more online and mobile tools,
we believe you will find our new combined bank more convenient than ever before. 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 current Heartland representative.
We are extremely pleased to have you as our customer and welcome to Midland!
Welcome Guide 1
“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 services 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 how large we become,
because we have great strength and more heart.
2 Welcome Guide
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 Heartland 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 3
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.
If you were a deposit customer of both Midland
States Bank and Heartland Bank at the time of the
acquisition, your deposits will have separate FDIC
insurance coverage for a period of six months
following the acquisition date. In the case of a
time deposit, the coverage continues until the
earliest maturity date after the six-month period.
In the case of time deposits which mature within
six months of the date of the acquisition and which
are renewed at the same dollar amount (either with
or without accrued interest having been added to
the principal amount) and for the same term as the
original deposit, the separate insurance applies to
the renewed deposits until the first maturity date
after the six-month period. Time deposits that
mature within six months of the acquisition date and
that are renewed on any other basis, or that are not
renewed and thereby become demand deposits,
are separately insured only until the end of the sixmonth period.
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 at 1-877-275-3342, or 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
www.fdic.gov/deposit.
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 app and web access
• Unlimited text banking access
• Unlimited FinanceWorks™ access, an online
budgeting tool
• 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)
Account Details:
• Monthly service charge: $10
• Minimum to avoid monthly service charge: $5,000
daily balance
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
4 Welcome Guide
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 www.bazing.com and login. Go to the ID Theft 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 app and web access
• Unlimited text banking access
• Unlimited FinanceWorks™ access, an online
budgeting tool
• Monthly paper or online statement
• Non-Midland Owned ATM Use - Up to $10 per
month 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
Account Details:
• Monthly service charge: $6
• Service charge reduced by $0.25 with each Debit
Card point-of-sale transaction until the fee is $0
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 www.bazing.com and login. Go to the ID Theft 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, an online
budgeting tool
• Online statements available
Account Details:
• 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.
Liv™ On Checking
A second chance to rebuild your financial strength.
If you’re wanting to re-establish your financial wellbeing and reputation, a Liv On Checking account
is the first step in improving and repairing financial
credibility. Your money is available to you 24/7 with
the following convenient tools. So whether you
write, swipe or click, your money is conveniently and
affordably at your fingertips.
Account Benefits:
• Rebuild bank account history reporting
• Unlimited checkwriting
• Unlimited debit card access
• Unlimited online banking access
• Unlimited mobile banking access
• Unlimited text banking access
• Unlimited FinanceWorks™ access, an online
budgeting tool
• Online statements available
Account Details:
• Monthly service charge: $9
• Service charge is reduced to $7 each month your
account has a direct deposit posted.
Some restrictions may apply. Minimum opening deposit for personal
checking account is $30. A $30 fee will be charged when account is closed
within 180 days after opening. Foreign ATM fees by ATM owners other
Welcome Guide 5
than Midland States Bank will be charged as the fee occurs. Bank rules and
regulations apply. If money is not available in your Liv On Checking account
at the time your service charge is assessed, the monthly service charge
will overdraw your account. Availability of deposits: Midland reserves the
right to delay availability of funds deposited in the account and will follow
all laws and regulations associated with funds availability rules. Special
rules concerning Overdraft Protection: Courtesy Overdraft Protection is
not available with this account. Refer to the “Believable Banking” area for
more information concerning free online and mobile account monitoring
services, as well as savings account transfers used for emergency situations.
Nonsufficient funds: Midland will return a debit transaction that will cause
an overdraft (we will not pay the item) and charge a fee associated with
the return as stated in the Service Fee schedule. This will be charged and
deducted from your Liv On Checking account. Refunds of this fee will not
be available. Eligibility to upgrade to other Midland checking accounts:
After one year you may be eligible for an upgrade to another personal
checking account and overdraft protection conveniences. Upgrade eligibility
is dependent upon: Your ability to repay past charge-off accounts before
you open your Liv On Checking account; Repayments are paid in whole; You
maintain a positive balance in your account at all times and nonsufficient
funds or overdrafts are not present; Nonsufficient fund transactions will cause
your early upgrade time frame to reset to zero. For example: If your check
is returned unpaid on February 20, and you opened the account six months
earlier, the 12 month eligibility upgrade resets to begin on February 20
instead of your open date. Early upgrade eligibility: Is at the sole discretion
of Midland States Bank and based upon, but not limited to the following best
practices in managing your account: Maintaining a daily balance in excess of
$100; Receiving direct deposit of your paycheck or other recurring payments;
Using your Midland MasterCard Debit Card to pay for purchases; and Never
allowing your account balance to drop into the negative. Immediate closure:
Midland will immediately close the account if: You overdraw your account;
You cannot pay fees as stated in the fee schedule; You do not follow the
terms and conditions of the account.
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.
Account Details:
• Monthly service charge: $2
• Includes HSA Debit Card and personalized checks
• Minimum to avoid monthly service charge: $1,500
daily balance
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.
6 Welcome Guide
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 Savings
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.
Account Details:
• 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
apply.1
YouthSaver Savings
For those under 18 years of age, YouthSaver 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.
Account Details:
• Monthly service charge: $0
Minimum opening deposit for YouthSaver 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 turns 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 apply.1 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.
Federal Regulation D limits certain types of withdrawals and transfers from
a savings or money market account to a total of six (6) per monthly statement
period. Unlimited items: Withdrawals or transfers are unlimited and will
not be subject to the Excess Item fee when made in person at a Midland
States Bank location, at an ATM, by messenger, or by mailing a request or
speaking to a telephone representative to have a check made payable to
you and mailed to you. Transfers to repay loans at Midland States Bank are
also unlimited. Excess Items: All withdrawals or transfers not described
under Unlimited Items are limited to six (6) transactions per statement period.
An Excess Item is a transaction over the six (6) transaction limitation. The
following are examples of transactions subject to the limitation: Transfers
by phone using automated banking service or speaking with a banker on
the phone; Transfers or payments through online, mobile and text banking
(including bill pay); Transfers to a checking account for overdraft protection
coverage; Pre-authorized transfers and withdrawals (including recurring and
wire transfers); Payments to third parties such as checks, drafts, or similar
other transactions (counted when they are posted to the account and not
when they are written); Debit or ATM card purchases that post to the account.
The fee per Excess Item is $15. Fees could reduce earnings.
1
Personal Money Market
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.
Account Details:
• Monthly service charge: $15
• Minimum to avoid monthly service charge: $1,000
daily balance or $7,500 average monthly balance
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 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. 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. Transaction limitations apply.
Federal Regulation D limits certain types of withdrawals and transfers from a
savings or money market account to a total of six (6) per monthly statement
period. Unlimited items: Withdrawals or transfers are unlimited and will
not be subject to the Excess Item fee when made in person at a Midland
States Bank location, at an ATM, by messenger, or by mailing a request or
speaking to a telephone representative to have a check made payable to
you and mailed to you. Transfers to repay loans at Midland States Bank are
also unlimited. Excess Items: All withdrawals or transfers not described
under Unlimited Items are limited to six (6) transactions per statement period.
An Excess Item is a transaction over the six (6) transaction limitation. The
following are examples of transactions subject to the limitation: Transfers
by phone using automated banking service or speaking with a banker on
the phone; Transfers or payments through online, mobile and text banking
(including bill pay); Transfers to a checking account for overdraft protection
coverage; Pre-authorized transfers and withdrawals (including recurring and
wire transfers); Payments to third parties such as checks, drafts, or similar
other transactions (counted when they are posted to the account and not
when they are written); Debit or ATM card purchases that post to the account.
The fee per Excess Item is $15. Fees could reduce earnings.
Personal CDs and IRAs
Variable IRA CDs
Variable IRA CDs offer you the flexibility of building
your retirement funds throughout the term of your
Variable IRA CD.
Account Details*:
• Term: 12 months
• Deposits: You may make deposits into your
account.
• Withdrawals: If you withdraw funds, the normal
early withdrawal penalties and IRS rules apply.
• Compounding Frequency: 3 months
• Variable Rate: At our discretion, we may change
the interest rate on your account.
• Interest Crediting: Compound and credit to CD/
IRA, transfer to another Midland deposit account,
ACH to another institution, or by check.
• Renewal: Automatic Renewal
Fixed Rate CDs and IRA CDs
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.
Account Details*:
• 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: Automatic 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. Variable IRA’s mature every
12 months. All CD terms: 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
Welcome Guide 7
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
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.
• 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
• 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
• Courtesy Threshold: $0
• 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
Your Options. Your Choice.
Courtesy Overdraft Program
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.
Overdrafts are automatically covered as part of our
standard practice.
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.
8 Welcome Guide
• Account Requirements: A Midland checking
account
• Limit: $500 - consumer; $1,500 - business
• Overdraft Fee: $31 per item
• 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: $31 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
$155 will be charged per occurrence. Continuous overdraft begins the day of
your first overdraft, per overdraft occurrence. How this charge is calculated:
$31 every 5 business days, up to the 25th business day. (25 business days
divided by 5 days = a total of five $31 charges)
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 email, mobile phone or directly to their
bank account through Popmoney ®
• Transfer funds between your accounts at Midland
and other banks, including multiple loan payment
options. For example: Principal only payments.
• Manage your finances through FinanceWorks
Sign up for Online Banking and Bill Pay
1Visit www.midlandsb.com 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 www.midlandsb.com.
2 Click on the “Manage Money” tab, followed by
the “FinanceWorks” link. We highly recommend
that you take 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 App
We have upgraded our mobile banking experience.
It’s now available in a free* and easy to use app
for your smartphone or tablet. All that is required
is your Midland Online Banking account and a few
minutes to download the app to your smartphone
(iPhone® or Android™) or tablet (iPad®, Android™ or
KindleFire™). The Midland Mobile App is available
from your device’s app store.
Using the Midland Mobile App, within minutes
you can view recent purchases and deposits, make
transfers, view check images, check loan accounts
and make a loan payment. You can even pay your
bills and manage your debit card reward offers.
Earning cash back using your debit card reward
offers is a smart way to save on those items you were
going to buy anyway. Select from a variety of ever
changing offers, and using our mobile app, you can
accept which rewards you would like added to your
debit card. When you make a qualifying purchase
using your Midland debit card, the cash reward is
credited to your checking account. No coupons to
clip and handle – just a simple swipe of your debit
card gets you the reward to save you money. It really
doesn’t get much easier than that. And, as an added
benefit, each offer includes a link to the nearest
store location and complete details of the discount.
If you have not downloaded our mobile app, you
can still access our Mobile (Web) Banking through a
secure site. All you need is a smartphone or tablet
that can access the Internet through a web browser.
The Mobile (Web) Banking experience is
virtually the same as Online Banking. Simply
open a web browser on your device and enter
www.midlandstatesbank.com. 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.
Welcome Guide 9
Install our Mobile Banking App
After you have signed up for Online Banking, install
the free* Midland Mobile App for your mobile
device (smartphone and tablet).
1 Go to either the iTunes store, Google Play or the
Amazon App Store to get the app for your device
type.
2 Search “Midland States Bank Mobile Banking” at
your respective app store. Install the app to your
device.
3 Your user name and password will be the same as
you use for your Midland Online Banking.
4 For your security when using your device for the
first time, you will be prompted to validate your
identity. Just follow the prompts.
Begin using Mobile (Web) Banking
1 After you have signed up for Online
Banking, you can access your online banking
account through your mobile device. Visit
www.midlandstatesbank.com on your mobile
device’s browser.
2 Your user name and password will be the same as
you use for your Midland Online Banking.
3 For your security when using your device for the
first time, you will be prompted to validate your
identity. Just follow the prompts.
4 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,
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 www.midlandsb.com.
2 Click on the “Additional Services” tab, click
on “Mobile and Text Banking” link. Click the
“Activate“ button.
4 Enter your mobile phone number.
10 Welcome Guide
5 Read the Terms and Conditions and if you agree,
click the checkbox. 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
BAL
Primary account balance
BAL ALL
All account balances
BAL CHK
Checking account balances
BAL SAV
Savings account balances
LAST
Last 5 transactions for the
primary account
TRANS
Transfer funds to primary
account
Example: TRANS 250 transfers
$250.00 from your source
account to your primary
account
HELP
Help on keywords
STOP
Deactivate service
External Transfers
Send money to and from your accounts at
other financial institutions to your Midland
accounts from within Online Banking.
You can also make personal payments
to other people as easily as sending an
email or text with Popmoney ®. Both are
convenient and secure ways to send and
receive money.
Delivery of Funds
Standard Delivery (3 business days)
• To bank account: The payment
will be sent to your contact’s bank
account within 3 business days.
• To email or mobile*: The recipient
will be notified of the payment on
the send date. Contacts will need
to enable automatic deposits.
Once automatic deposits are
enabled, the payment will be
sent to the contact’s bank
account within 3 business days.
Express Delivery (Next business
day)
• To bank account: The
payment will be sent to
contact’s bank account the next business day.
• To email or mobile: The recipient will be notified
of the payment on the send date. Contacts with
automatic deposit enabled will see the payment
in their bank account the next business day.
Contacts without automatic deposit enabled
cannot receive the payment until they provide
their bank account information; once provided, the
payment will be sent to the contact’s bank account
the next business day.
See External Transfers and Popmoney Limitations
and Service Fees within this guide for transfer limits
and pricing details.
*There is no charge from Midland, but message and data rates from your
phone carrier may apply. Must be enrolled in Midland Online Banking to
access the app. iPad and iPhone are registered trademarks of Apple Inc.
Android is a trademark of Google Inc. Kindle Fire logo are trademarks of
Amazon.com, Inc.
Change Bank By Phone
PIN Code
Account
Information
1
4*
Funds
Transfer
2
ABC
5
Merchant
Verification
3
Debit Card
Services
6
Request
Stop Payment
9*
Order
Checks
DEF
Bank
Information
GHI
Rate
Information
PQRS
TUV
WXYZ
*
0
#
7*
JKL
8
+
MNO
*There is no charge from Midland, but message and data rates from your
phone carrier may apply. Must be enrolled in Midland Online Banking to
access the app. iPad and iPhone are registered trademarks of Apple Inc.
Android is a trademark of Google Inc. Kindle Fire logo are trademarks of
Amazon.com, Inc.
Midland’s Debit MasterCard®
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 smartphone.
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
Call 1-855-MY-MIDLAND (1-855-696-4352)
to speak with a Customer Care Specialist to
enroll and select a 4-digit code to access your
accounts.
1Press “1”.
2 Select your language preference.
3 Select the menu for your service options.
4 Enter your account number.
DEBIT
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
Welcome Guide 11
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
www.mastercard.us/security.html.
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:
• Midland Credit Cards
• Home Equity Loans and Lines of Credit
• Personal Installment Loans
• Vehicle Loans - Autos, Marine and RVs
• Mortgage Loans
Visit www.midlandsb.com for more details
concerning Midland loans and credit card services.
12 Welcome Guide
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.
Pro Free 350 Checking
Created for small to mid-sized businesses.
Account Benefits:
• Up to 350 items per month included
Account Details:
• Monthly service charge: $0
Minimum opening deposit is $100. The first 350 transactions per month will
not be charged a fee. Transactions include deposit tickets, deposited items,
checks, ACH, wires and other transactions. A fee of $0.50 will be charged for
each additional transaction over 350 per month. A $30 fee will be charged
when account is closed within 180 days after opening.
Pro Interest Checking
Offering a generous number of items per month,
plus earns interest.
Account Benefits:
• Up to 250 items per month included
• Earns interest
Account Details:
• Monthly service charge: $15
• Service charge will be waived with a minimum
daily balance of $2,500, or a combined balance of
$10,000
• 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.
Lawyer’s Trust Account
The Interest On Lawyers Trust Accounts (IOLTA)
are limited to attorneys and law firms that maintain
escrow funds for multiple clients. An IOLTA pools
interest used for the deposit of nominal or shortterm client funds. The interest on an IOLTA is
paid to the Lawyers Trust Fund of the state. The
Lawyers Trust Fund is a tax-exempt, not-for-profit
organization that uses the interest generated by
IOLTA accounts to make charitable contributions to
not-for-profit agencies that provide legal aid to the
poor.
Account Benefits:
• No minimum balance
• Unlimited monthly transactions
• Earns interest
Account Details:
• Monthly service charge: $0
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. Additional Terms - This account follows State regulated program rules,
including the submittal of paid interest to the state IOLTA fund.
Pro Connect Checking
Commercial account designed for high activity and
additional treasury management services.
Account Benefits:
• Connect accounts for earnings credit to reduce
fees
Account Details:
• Monthly service charge: $20
• Service charge reduced based on number of
monthly items and earnings credit
Account transaction fees:
• Debits
- Electronic item: $0.15
- Paid items (checks or debits): $0.20
• Credits
- Electronic item: $0.15
- Credits posted: $0.15
- Deposit ticket: $0.45
- 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
.0775. 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 Checking
Created to prevent excessive balances to more
effectively control distribution of funds.
Account Benefits:
• A checking account in which zero balance is
maintained by transfers of funds from a master
account in an amount only large enough to cover
checks presented
Account Details:
• 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 funds are used
to acquire investment grade corporate securities
and/or mortgage securities.
Account Benefits:
• Maximize funds by sweeping excess funds into
investment account daily
Welcome Guide 13
Account Details:
• 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 funds are
invested in United States Government securities
and/or U.S. Agency securities.
Account Benefits:
• Maximize funds by sweeping excess funds into
investment account daily
Account Details:
• 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
Midland 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 Savings
A simple and straightforward way to save.
Account Details:
• Monthly service charge: $3
• Minimum to avoid monthly service charge: $250
• 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
14 Welcome Guide
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:. Federal Regulation D limits certain types of
withdrawals and transfers from a savings or money market account to a total
of six (6) per monthly statement period. Unlimited items: Withdrawals or
transfers are unlimited and will not be subject to the Excess Item fee when
made in person at a Midland States Bank location, at an ATM, by messenger,
or by mailing a request or speaking to a telephone representative to have
a check made payable to you and mailed to you. Transfers to repay loans
at Midland States Bank are also unlimited. Excess Items: All withdrawals
or transfers not described under Unlimited Items are limited to six (6)
transactions per statement period. An Excess Item is a transaction over the
six (6) transaction limitation. The following are examples of transactions
subject to the limitation: Transfers by phone using automated banking
service or speaking with a banker on the phone; Transfers or payments
through online, mobile and text banking (including bill pay); Transfers to a
checking account for overdraft protection coverage; Pre-authorized transfers
and withdrawals (including recurring and wire transfers); Payments to third
parties such as checks, drafts, or similar other transactions (counted when
they are posted to the account and not when they are written); Debit or ATM
card purchases that post to the account. The fee per Excess Item is $15.
Fees could reduce earnings.
Business Money Market
Business Money Market
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.
Account Details:
• Monthly service charge: $10
• Minimum to avoid monthly service charge:
$10,000 average monthly balance
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
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. 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. Transaction limitations:
Federal Regulation D limits certain types of withdrawals and transfers from a
savings or money market account to a total of six (6) per monthly statement
period. Unlimited items: Withdrawals or transfers are unlimited and will
not be subject to the Excess Item fee when made in person at a Midland
States Bank location, at an ATM, by messenger, or by mailing a request or
speaking to a telephone representative to have a check made payable to
you and mailed to you. Transfers to repay loans at Midland States Bank are
also unlimited. Excess Items: All withdrawals or transfers not described
under Unlimited Items are limited to six (6) transactions per statement period.
An Excess Item is a transaction over the six (6) transaction limitation. The
following are examples of transactions subject to the limitation: Transfers
by phone using automated banking service or speaking with a banker on
the phone; Transfers or payments through online, mobile and text banking
(including bill pay); Transfers to a checking account for overdraft protection
coverage; Pre-authorized transfers and withdrawals (including recurring and
wire transfers); Payments to third parties such as checks, drafts, or similar
other transactions (counted when they are posted to the account and not
when they are written); Debit or ATM card purchases that post to the account.
The fee per Excess Item is $15. Fees could reduce earnings.
Business CDs
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.
Account Details:
• 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.
Account Details:
• Service charges do not apply
• Minimum balance requirements may vary
• This account earns interest
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 Details:
• 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 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 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. Federal
Regulation D limits certain types of withdrawals and transfers from a savings
or money market account to a total of six (6) per monthly statement period.
Unlimited items: Withdrawals or transfers are unlimited and will not be
subject to the Excess Item fee when made in person at a Midland States Bank
location, at an ATM, by messenger, or by mailing a request or speaking to a
telephone representative to have a check made payable to you and mailed
to you. Transfers to repay loans at Midland States Bank are also unlimited.
Excess Items: All withdrawals or transfers not described under Unlimited
Items are limited to six (6) transactions per statement period. An Excess
Item is a transaction over the six (6) transaction limitation. The following
are examples of transactions subject to the limitation: Transfers by phone
using automated banking service or speaking with a banker on the phone;
Transfers or payments through online, mobile and text banking (including bill
pay); Transfers to a checking account for overdraft protection coverage; Preauthorized transfers and withdrawals (including recurring and wire transfers);
Payments to third parties such as checks, drafts, or similar other transactions
(counted when they are posted to the account and not when they are written);
Debit or ATM card purchases that post to the account. The fee per Excess
Item is $15. 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
Minimum opening deposit for this checking account varies. Monthly service
charges do not apply. A $30 fee will be charged when account is closed
Welcome Guide 15
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 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 with full or partial
Account Reconciliation services.
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.
• Delivers suspect check images online - By using
Midland’s Business Online Banking, you can
review images of suspect checks and relay your
decision electronically.
and cash concentration. Control your ACH risk by
defining user entitlements, funding accounts and
transaction limits.
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 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.
*There is no charge from Midland, but message and data rates from your
phone carrier may apply. Must be enrolled in Midland Online Banking to
access the app. iPad and iPhone are registered trademarks of Apple Inc.
Android is a trademark of Google Inc. Kindle Fire logo are trademarks of
Amazon.com, Inc.
Midland’s Debit MasterCard®
BusinessCard
BUSINESS DEBI T
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
16 Welcome Guide
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
assistance available through MasterCard and the
American Automobile Association (AAA).
MasterTrip®. Travel assistance, including emergency
cash, replacement of lost tickets, documents, and
luggage.
solution that removes the labor intensive processing
of mail, documents, check processing and customer
account management. We offer both Retail
(consumer to business payments) and Wholesale
(Corporate to Corporate payments) Lockbox
services.
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.
Benefits
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.
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.
Additional terms, conditions, and limitations apply to these benefits. Learn
more at www.mastercard.us/small-business. 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.
Lockbox Services
If your company receives payments, you may benefit
from Midland’s convenient payment processing
• Easier management of daily receivables
• Minimize remittance float
• Quickly process customer payments
• Update account information quickly
Merchant Services
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.
Welcome Guide 17
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
• Employee Sponsored Retirement Plans
Today, with our significant increase in talent,
customers and assets under administration now
reaching over $1.1 billion, we are confident we
are positioned to provide clients with resources
to help them achieve their financial goals. Wealth
management continues to be a core strategy
of Midland States Bank. We are committed to
providing our clients with the intellectual and
financial resources to achieve success.
Investments: Are not FDIC insured. Are not guaranteed by the bank. May lose
value. Not a deposit. Not insured by any federal government agency.
Other Bank Services
Bank Statements
electronic bills, statements and payments according
to PayItGreen.org.
Fast Online Delivery. No need to wait for the post
office to deliver, gain immediate access to bank
statements as they become available.
Less Clutter. Reduce paper clutter on your desk or
countertop by storing bank statements online.
To receive Online Statements, simply sign up for
Midland’s Online Banking and your statements are
available free of charge.
Safe Deposit Box
Store valuable items and important documents
safely and securely in our affordable safe deposit
boxes.
Safe Deposit Box Size
Annual Rate
1x5
$20
2x5
$20
2.5 x 5
$24
3x5
$28
4x5
$38
3 x 10
$47
5x5
$47
3 x 11
$50
3.5 x 10
$53
Convenient and easy-to-read statements are
available in paper and online formats. We have
made every effort to ensure your statements are
delivered in a timely and convenient manner.
Combined statements are available for checking,
savings, CDs and loans.
4 x 10
$60
5 x 10
$76
6 x 10 or 6 x 11
$76
7 x 10
$79
8 x 10
$91
Switching from Paper to Online Statements
7 x 12
$95
9 x 10
$102
10 x 10
$113
10 x 15
$142
15 x 15
$150
20 x 15
$160
18 - 18.5 x 15 - 15.75
$170
20 x 20
$170
27 x 15
$180
48 x 15
$255
20 - 20.75 x 23 - 23.75
$290
There are many advantages to receiving your
monthly statement online.
Convenience. View your statements anytime,
anywhere you have access to the Internet by simply
logging into your Online Banking account.
Security. With Online Statements, you won’t need to
be concerned about lost or stolen mail.
Environmentally Friendly. Make a positive impact
on the environment by eliminating the need for
paper statements. In fact, the average American
household would save 6 pounds of paper, 23 pounds
of wood and prevent the production of 29 pounds
of greenhouse gases per year just by switching to
18 Welcome Guide
Safe Deposit Box size and availability vary by location.
Disclosures
19 Courtesy Overdraft Policy
20 Electronic Funds Transfer
22 Funds Availability
23 Reclassification Under Regulation D
23 BaZing Membership Agreement
Courtesy Overdraft Policy
Midland States Bank believes in providing our customers
with options that best fit their financial needs. The
Courtesy Overdraft Program is one option that is our
standard overdraft protection service. Other, less
expensive, overdraft services are available to our
customers as a first line of protection.
It is the policy of Midland States Bank to comply with all
applicable laws and regulations and to conduct business
in accordance with applicable safety and soundness
standards. Your deposit account agreement controls
the duties, obligations and rights of the deposit account
owner(s) and Midland States Bank with regard to your
deposit accounts. Your deposit account agreement
is incorporated herein for all purposes as if it were set
forth verbatim, and its terms shall control any possible
conflict between any provision of this Midland States
Bank Courtesy Overdraft Policy and the deposit account
agreement.
Midland States Bank is not obligated to pay any item
presented for payment if your account does not contain
sufficient collected (available) funds. Any discretionary
courtesy payments by Midland States Bank of any nonsufficient fund (NSF) check or checks (or other items) does
not obligate the bank to pay any additional non-sufficient
fund check or item or to provide written notice of its
decision to refuse to pay any additional non-sufficient fund
check or item.
If you maintain a consumer checking account (primarily
used for personal and household purposes), or maintain
a qualified business checking account, and thereafter you
maintain this account in good standing, which includes at
least:
• Not in default of any loan obligation to Midland States
Bank; AND
• Not subject to any legal or administrative order or levy;
Then Midland States Bank will consider, as a discretionary
courtesy and not a right or obligation, approving your
reasonable overdrafts. This courtesy will generally be
limited to:
• A maximum of $100 overdraft coverage will be available
the first day after your qualified account is opened.
• Consumer - A maximum of an $500 overdraft balance
(including returned check(s) and /or overdraft fees) if
your account has been open at least 60 calendar days
and the account is in good standing.
• Business - A maximum of an $1,500 overdraft balance
(including returned check(s) and /or overdraft fees) if
your account has been open at least 60 calendar days
and the account is in good standing.
A $31 fee is assessed for each item, whether the item is
paid or returned. The total of your overdraft balance,
including any and all bank fees and charges, is due and
payable upon demand, and you will continue to be liable
for such amounts as described in the deposit account
agreement.
Courtesy Overdraft Protection is available on checking
accounts only. We do not offer Courtesy Overdraft
Protection to money market, savings, or public funds
accounts.
Approval of reasonable overdrafts through Midland States
Bank Courtesy Overdraft Protection on accounts in good
standing (as described above) is only a courtesy, and not
a right or an obligation. It is within Midland States Bank’s
sole and absolute discretion to cease this service at any
time without prior written notice, reason or cause.
Midland States Bank Courtesy Overdraft Protection is a
non-contractual service provided by Midland States Bank,
which can be withdrawn by the bank.
Certain restrictions may apply. To decline the Courtesy
Overdraft Protection, please contact us at 1-855-MYMIDLAND (1-855-696-4352).
What fees will be charged if Midland States Bank pays
my overdraft?
Standard practices for paying overdrafts:
• We will charge a $31 fee each time we pay an overdraft
• We limit the number of overdrafts/Non-sufficient fund
(NSF) fees to 4, or $124 per day per account
• We do not charge for overdrafts if the account has an
aggregate negative balance of $5 or less
• If your account is overdrawn for more than one day,
we will charge $31 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
$155 will be charged per occurrence. Continuous overdraft begins the day of
your first overdraft, per overdraft occurrence. How this charge is calculated:
$31 every 5 business days, up to the 25th business day. (25 business days
divided by 5 days = a total of five $31 charges)
What if I want Midland States Bank to authorize and
pay overdrafts on my ATM and one-time debit card
transactions?
If you want us to authorize and pay overdrafts on ATM and
one-time debit card transactions, call 1-855-696-4352, or
visit us at www.midlandsb.com.
What you need to know about overdrafts and overdraft
fees
An overdraft occurs when you do not have enough money
in your account to cover a transaction, but we pay it
anyway. We can cover your overdrafts in two different
ways:
• We have standard overdraft practices that come with
your account.
• We also offer overdraft protection plans, such as a
link to another deposit account or overdraft line of
credit, which may be less expensive than our standard
overdraft practice. To learn more, please ask about
these plans.
This notice explains our standard overdraft practices.
We do authorize and pay overdrafts for the following types
of transactions:
Welcome Guide 19
• Checks and other transactions made using your
checking account number
• Automatic bill payments
We do not authorize and pay overdrafts for the following
types of transactions unless you ask us to:
• ATM transactions
• One-time debit card transactions (does not include
recurring payments)
We pay overdrafts at our discretion, which means we do
not guarantee that we will always authorize and pay any
type of transaction. If we do not authorize and pay your
transaction, it will be declined.
Electronic Funds Transfer
The Electronic Fund Transfers we are capable of handling
for consumers are indicated below, some of which may
not apply to your account. Some of these may not be
available at all terminals. Please read this disclosure
carefully because it tells you your rights and obligations for
these transactions. You should keep this notice for future
reference.
Types of transfers, frequency and dollar limitations
Prearranged Transfers
Preauthorized Credits
You may make arrangements for certain direct deposits
to be accepted into your checking, savings and/or money
market account(s).
Preauthorized Payments
You may make arrangements to pay certain recurring
bills from your checking, savings and/or money market
account(s).
Telephone Transfers
• You may make arrangements to have telephone
transfers between eligible checking, savings, and
money market and lines of credit accounts through our
telephone banking system.
• You may access accounts balances for Checking,
Savings, Money Market and/or Loan Accounts.
Computer Transfers
You may access your account(s) by computer by accessing
www.midlandsb.com and using your Username and
Password to:
• Transfer funds between authorized accounts
• Make payments from checking to loan accounts with us
• Make payments from checking to payees of your
choosing
• Get information about account balances in your
Checking, Savings, Loan and/or Money Market
Accounts
Mobile Banking Transfers
You may access your account(s) by web-enabled cell phone
by accessing your online banking account and using your
web browser to:
• Transfer funds between authorized accounts
• Make payments from checking to loan accounts with us
• Make payments from checking to payees of your
choosing
• Get information about account balances in your
Checking, Savings, Loans and/or Money Market
accounts
20 Welcome Guide
You may be charged access fees by your cell phone
provider based on your individual plan. Web access is
needed to use this service. Check with your cell phone
provider for details on specific fees and charges.
Electronic Fund Transfer Initiated By Third Parties
You may authorize a third party to initiate electronic fund
transfers between your account and the third party’s
account. These transfers to make or receive payment may
be one-time occurrences or may recur as directed by you.
These transfers may use the Automated Clearing House
(ACH) or other payments network. Your authorization
to the third party to make these transfers can occur
in a number of ways. For example, your authorization
to convert a check to an electronic fund transfer or to
electronically pay a returned check charge can occur when
a merchant provides you with notice and you go forward
with the transaction (typically, at the point of purchase, a
merchant will post a sign and print the notice on a receipt).
In all cases, these third party transfers will require you to
provide the third party with your account number and
financial institution information. This information can be
found on your check as well as on a deposit or withdrawal
slip. Thus, you should only provide your financial
institution and account information (whether over the
phone, the Internet, or via some other method) to trusted
third parties who you have authorized to initiate these
electronic fund transfers. Examples of these transfers
include, but are not limited to:
Electronic Check Conversion
You may authorize a merchant or other payee to make a
one-time electronic payment from your checking account
using information from your check to pay for purchases or
pay bills.
Electronic Returned Check Charge
You may authorize a merchant or other payee to initiate an
electronic fund transfer to collect a charge in the event a
check is returned for insufficient funds.
Personal Identification Number (PIN)
The PIN issued to you is for your security purposes. The
numbers are confidential and should not be disclosed to
third parties or recorded on the card. You are responsible
for safekeeping your PIN(s). You agree not to disclose or
otherwise make your PIN available to anyone.
ATM and POS Transaction Types
You may access your Account by ATM or Point of Sale
(POS) using your Debit MasterCard and Personal
Identification Number (PIN) to:
• Transfer money between checking and savings accounts
• Make deposits to Checking, Savings and Money Market
Accounts at Midland States Bank ATMs
• Get cash withdrawals and/or transfer funds from
and between Checking, Savings and Money Market
Accounts linked to your card
• Make ATM card POS purchases from your Checking
account
• Get information about the accounts balances in the
Checking, Savings and/or Money Market Account linked
to your card
• Get cash from a merchant, if the merchant permits, or
from a participating financial institution
Note: Some of these services may not be available at all
terminals.
Debit MasterCard Limits
The standard daily limits (per card) are:
• ATM cash withdrawals - $500.00
• POS (PIN) transactions - $2,500.00
• MasterCard signature transactions - $2,500.00
Debit MasterCard Liability
Additional Limits on Liability for Debit MasterCard. Unless
you have been grossly negligent or have engaged in fraud,
you will not be liable for any unauthorized transactions
using your lost or stolen MasterCard card. The additional
limit on liability does not apply to ATM transactions or to
transactions using your Personal Identification Number
(PIN) which are not processed by MasterCard. MasterCard
is a registered trademark of MasterCard International
Service Association.
ATM Operator/Network Fees
When you use an ATM not owned by us, you may be
charged a fee by the ATM operator or any network used
(and you may be charged a fee for a balance inquiry even if
you do not complete a fund transfer).
Use of your Debit MasterCard may be restricted in certain
countries due to security risks.
International Debit MasterCard Transactions
The exchange rate between the transaction currency and
the billing currency used for processing international Debit
MasterCard transactions is a rate selected by MasterCard
from the range of rates available in wholesale markets
for the applicable central processing date, which rate
may vary from the rate MasterCard itself receives, or the
government-mandated rate in effect for the applicable
central processing date.
Fees
See the current Service Fees within this guide for
transaction fees applied.
Confidentiality
We will disclose information to third parties about your
account or the transfers you make:
• Where it is necessary for completing transfers, or
• In order to verify the existence and condition of your
account for a third party, such as a credit bureau or
merchant, or
• In order to comply with government agency or court
orders, or
• If you give us your written permission.
Documentation
Terminal Transfers
You can get a receipt at the time you make any transfer
to or from your account using one of our automated teller
machines or point of sale terminals, unless your transaction
totals $15.00 or less.
Preauthorized Credits
If you have arranged to have direct deposits made to your
account at least once every 60 days from the same person
or company, you can call us at 1-855-696-4352 to find out
whether or not the deposit has been made.
Periodic Statements
You will get a monthly account statement (unless there are
no transfers in a particular month. In any case you will get
the statement at least quarterly).
Preauthorized Payments
Right to stop payment and procedure for doing so
If you have told us in advance to make regular payments
out of your account, you can stop any of these payments.
Here’s how:
Call us at 1-855-696-4352, or write us at 1201 Network
Centre Dr., Effingham, IL 62401, in time for us to receive
your request 3 business days or more before the payment
is scheduled to be made. If you call, we may also require
you to put your request in writing and get it to us within 14
days after you call.
Notice of Varying Amounts
If these regular payments may vary in amount, the person
you are going to pay will tell you, 10 days before each
payment, when it will be made and how much it will be.
You may choose instead to get this notice only when the
payment would differ by more than a certain amount from
the previous payment, or when the amount would fall
outside certain limits that you set.
Liability for Failure to Stop Payment of Preauthorized
Transfer
If you order us to stop one of these payments 3 business
days or more before the transfer is scheduled, and we do
not do so, we will be liable for your losses or damages.
There will be a charge for each stop payment according to
our current fee schedule.
Financial Institution’s Liability
If we do not complete a transfer to or from your account on
time or in the correct amount according to our agreement
with you, we will be liable for your losses or damages.
However, there are some exceptions. We will not be liable,
for instance:
• If, through no fault of ours, you do not have enough
money in your account to make the transfer
• If the transfer would go over the credit limit on your
overdraft line
• If the automated teller machine where you are making
the transfer does not have enough cash
• If the terminal or system was not working properly and
you knew about the breakdown when you started the
transfer
• If circumstances beyond our control (such as fire
or flood) prevent the transfer, despite reasonable
precautions that we have taken
• There may be other exceptions stated in our agreement
with you
Unauthorized Transfers
Consumer Liability
Tell us AT ONCE if you believe your card, your PIN, or both
has been lost or stolen, or if you believe that an electronic
fund transfer has been made without your permission
using information from your check. Telephoning is the
best way of keeping your possible losses down. You could
lose all the money in your account plus your maximum
overdraft line of credit. If you tell us within 2 business days
after you learn of the loss or theft of your card or PIN, you
can lose no more than $50 if someone used your card or
PIN without your permission.
If you do NOT tell us within 2 business days after you learn
of the loss or theft of your card or PIN, and we can prove
we could have stopped someone from using your card
and/or PIN without your permission if you had told us, you
could lose as much as $500.
Also, if your statement shows transfers that you did not
make, including those made by card, PIN or other means,
tell us at once. If you do not tell us within 60 days after the
statement was mailed to you, you may not get back any
money you lost after the 60 days if we can prove that we
could have stopped someone from taking the money if you
Welcome Guide 21
had told us in time. If a good reason (such as a long trip or
a hospital stay) kept you from telling us, we will extend the
time periods.
Contact in Event of Unauthorized Transfer
If you believe your card or PIN has been lost or stolen,
call: 1-855-696-4352 or write: 1201 Network Centre Dr.,
Effingham, IL 62401. You should also call the number or
write to the address listed above if you believe a transfer
has been made using the information from your check
without your permission.
Business Days
For purposes of these disclosures, our business days are
Monday through Friday. Holidays are not included.
Error Resolution Notice
In Case of Errors or Questions About Your Electronic
Transfers telephone us at 1-855-696-4352 or write us at
1201 Network Centre Dr. Effingham, IL 62401 as soon as
you can, if you think your statement or receipt is wrong or
if you need more information about a transfer listed on the
statement or receipt. We must hear from you no later than
60 days after we sent the FIRST statement on which the
problem or error appeared.
Tell us your name and account number.
Describe the error or the transfer you are unsure about,
and explain as clearly as you can why you believe it is an
error or why you need more information.
Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your
complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10
business days after we hear from you and will correct
any error promptly. If we need more time, however, we
may take up to 45 days to investigate your complaint
or question. If we decide to do this, we will credit your
account within 10 business days for the amount you think is
in error, so that you will have the use of the money during
the time it takes us to complete our investigation. If we ask
you to put your complaint or question in writing and we do
not receive it within 10 business days, we may not credit
your account.
For errors involving new accounts, point-of-sale, or
foreign-initiated transactions, we may take up to 90 days to
investigate your complaint or question. For new accounts,
we may take up to 20 business days to credit your account
for the amount you think is in error.
We will tell you the results within three business days
after completing our investigation. If we decide that there
was no error, we will send you a written explanation. You
may ask for copies of the documents that we used in our
investigation.
Funds Availability
Your Ability to Withdraw Funds
This policy statement applies to all deposit transaction
accounts. Our policy is to make funds from your cash and
check deposits available to you on the first business day
after the day we receive your deposit. Electronic direct
deposits will be available on the day we receive the
deposit. Once the funds are available, you can withdraw
them in cash and we will use the funds to pay checks that
you have written.
Please remember that even after we have made funds
22 Welcome Guide
available to you, and you have withdrawn the funds,
you are still responsible for checks you deposit that are
returned to us unpaid and for any other problems involving
your deposit.
For determining the availability of your deposits, business
days are Monday through Friday, except for federal
banking holidays. Midland States Bank branch cutoff time
equals each branch locations close time Monday through
Friday, excluding federal banking holidays. ATM cut-off
time is 2:00 pm each business day. However, if you make
a deposit after our close time or on a day we are not open,
we will consider that the deposit was made on the next
business day we are open.
If we cash a check for you that is drawn on another bank,
we may withhold the availability of a corresponding
amount of funds that are already in your account. Those
funds will be available at the time funds from the check we
cashed would have been available if you had deposited it.
If we accept for deposit a check that is drawn on another
bank, we may make funds from the deposit available for
withdrawal immediately but delay your availability to
withdraw a corresponding amount of funds that you have
on deposit in another account with us. The funds in the
other account would then not be available for withdrawal
until the time periods that are described elsewhere in this
disclosure for the type of check that you deposited.
Longer Delays May Apply
Case-by-case delays. In some cases, we will not make all of
the funds that you deposit by check available to you on the
first business day after the day of your deposit. Depending
on the type of check that you deposit, funds may not be
available until the second business day after the day of
your deposit. The first $200 of your deposits, however,
may be available on the first business day.
If we are not going to make all of the funds from your
deposit available on the first business day, we will notify
you at the time you make your deposit. We will also tell
you when the funds will be available. If your deposit is not
made directly to one of our employees, or if we decide
to take this action after you have left the premises, we
will mail you the notice by the day after we receive your
deposit.
If you will need the funds from a deposit right away, you
should ask us when the funds will be available.
Safeguard exceptions. In addition, funds you deposit
by check may be delayed for a longer period under the
following circumstances:
• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $5,000 on any
one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last
six months.
• There is an emergency, such as failure of computer or
communications equipment.
We will notify you if we delay your ability to withdraw funds
for any of these reasons, and we will tell you when the
funds will be available. They will generally be available no
later than the seventh business day after the day of your
deposit.
Special Rules for New Accounts
If you are a new customer, the following special rules will
apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will
be available on the day we receive the deposit. Funds
from deposits of cash, wire transfers, and the first $5,000
of a day’s total deposits of cashier’s, certified, teller’s,
traveler’s, and federal, state and local government checks
will be available on the first business day after the day of
your deposit if the deposit meets certain conditions. For
example, the checks must be payable to you (and you may
have to use a special deposit slip). The excess over $5,000
will be available on the ninth business day after the day of
your deposit. If your deposit of these checks (other than
a U.S. Treasury check) is not made in person to one of our
employees, the first $5,000 will not be available until the
second business day after the day of your deposit.
Funds from all other check deposits will be available on the
eleventh business day after the day of your deposit.
Deposits at Automated Teller Machines
Funds from any deposits (cash or checks) made at
automated teller machines (ATMs) we do not own or
operate will not be available until the first business day
after the day of your deposit. This rule does not apply at
ATMs that we own or operate.
All ATMs that we own or operate are identified as our
machines.
Terms and Conditions of Your Deposit Account
Payment Order of Items
To assist you in handling your account with us, we are
providing you with the following information regarding
how we process the items that you write. When processing
items drawn on your account, our policy is to pay them in
numerical sequence. 1.) ATM/POS items are paid first. 2.)
ACH items are paid next. 3.) Checks and drafts are paid
by lower item numbers after ATM/POS and ACH items.
The order in which items are paid is important if there is
not enough money in your account to pay all of the items
that are presented. There is no policy that is favorable
in every instance. If the smallest items are paid first, you
may have fewer NSF or overdraft fees, but the largest, and
perhaps more important items (such as rent or mortgage
payments) might not be paid. If an item is presented
without sufficient funds in your account to pay it, we may,
at our discretion, pay the item (creating an overdraft)
or return the item (NSF). The amounts of the overdraft
and NSF fees are disclosed elsewhere. By paying items
in numerical sequence, we believe our policy attains a
reasonable balance between minimizing additional cost to
you and paying your more important items. We encourage
you to keep careful records and practice good account
management. This will help you to avoid writing checks or
drafts without sufficient funds and incurring the resulting
fees.
Reclassification Under Regulation D
Sub Accounts
Each Checking Account may consist of two sub accounts:
a transaction sub account and a savings sub account. The
use of these sub accounts will not affect your available
balance, interest earnings, FDIC insurance, your bank
statement, or otherwise negatively affect your Account.
The bank may periodically transfer funds between
these two sub accounts. If your Account is an Account
on which interest is paid, your interest calculation will
remain the same. Otherwise, the savings sub-account
will be non interest bearing. The savings sub account will
be governed by the rules governing our other savings
accounts.
BaZing Membership Agreement
Member acknowledges receipt of program membership
materials and all insurance disclosures. Member agrees to
the terms of the insurance coverage, other services, any
applicable monthly membership dues, and any announced
changes in fees or services.
Disclaimer: The information and materials provided are
intended for general reference only, and do not represent
or contain specific terms, conditions, and exceptions
applicable to insurance products and services. This is
not a solicitation and is strictly for informational and
enrollment purposes only for use by persons at their
discretion. For specific policy terms and conditions, please
call 1-855-822-9464.
By having an eligible personal checking account with a
participating Financial Institution (FI), you and any joint
holders of your account are enrolled as members of
Member Headquarters Association (MHA). Your accidental
death insurance coverage becomes effective as soon
as your eligible personal checking account is effective
by your FI. Your coverage will end the first day of the
month following failure to pay any required monthly
dues, or termination of either your membership or the
policy. Your enrollment authorizes your FI or its service
provider to debit your checking account for your monthly
membership dues, if applicable, and to remit the portion
of any applicable fee to pay your insurance premium to the
Plan Administrator. Your detailed insurance description of
coverage is available online at www.bazing.com, at your FI,
or by calling 1-855-822-9464.
Insurance Disclosure
The insurance offered is not a deposit, not FDIC insured,
not guaranteed by the financial institution, and not insured
by any government agency.
Additional Terms and Conditions
You account is also subject to the deposit account rules set
forth in Midland’s Terms and Conditions of your Account.
You may obtain a copy at any Midland branch or by calling
1-855-MY-MIDLAND (1-855-696-4352).
Welcome Guide 23
Service Fees
This section describes the fees the Bank charges
for services it provides. As noted throughout this
section, fees are based on the type of account you
have and the services you use. The fees listed in this
section are for Midland States Bank Consumer and
Business account owners. Some services may be
available to non-customers for a different fee.
If you have any questions about fees and services,
please contact us at 1-855-MY-MIDLAND (1-855696-4352).
$30
$35 per hour
Verification of account, per document
$20 each
ATM access - Midland States Bank ATMs
There is no fee to access your accounts at
a Midland ATM
$0
ATM access - non-Midland States Bank ATMs1
Transaction fee - including cash, inquiries
and denials
$2 each
Other fees - fees charged by non-Midland States Bank
ATM owner/operator apply (unless waived by terms of
your account) in addition to those described above.
See the account description within your account agreement for fee waiver
details
1
ATM card and replacement
Replacement card
Rush order - next day or two-day delivery
$10 each
$40 per order
Cashier’s checks
Cashier’s checks may be ordered at any
Midland location
$5
Checks or coupon books
Check printing (prices vary by quantity,
style and design)
varies
Temporary checks (counter checks)
$5 for set of 8
Replacement coupon book (loan
payment book)
$10 per book
Collections - domestic and international
Incoming and outgoing
$25 per item
Other fees - Third parties or other banks
may impose charges in addition to those
described above.
Collection Agency
24 Welcome Guide
Check cashing - non customer
1% of amount
5% or $5,
whichever is
greater
Document copy fee
Additional copies of checks, statements
and deposit items2
$10 each
12 months of document storage, including statements and check images,
are available at no cost within Online Banking. Registration is required.
If your statement check images are truncated, you may elect to receive
check images at any time and without additional cost. Online Banking
account history also includes stored individual check images (front and
back) at no cost. 3 months of account history is normally available through
account history. Charges associated with copies of checks, deposited
items and statements cover our costs for handling the requests and
searching for documents. Depending on the nature of the request, you
may be charged the $10 per copy fee plus a research fee per hour.
Dormant accounts
Account research and verification
Research ($35 minimum charge)
Coin counting
2
Account closing
Early closure (within 180 days after
opening an account)
Currency and cash/coin handling
Dormant consumer checking or savings
accounts - checking accounts become
dormant when there has been no account
activity for one (1) year. Savings accounts
become dormant when there has been
no account activity for two (2) years.
$5 per month
Dormant business checking or savings
accounts - checking accounts become
dormant when there has been no account
activity for one (1) year. Savings accounts
become dormant when there has been
no account activity for two (2) years.
$10 per
month
Excess activity fee for savings and money market
accounts
There is a fee for withdrawals and
transfers from a saving or money market
account exceeding the federal Regulation
D limit of six (6) per monthly statement
period. Please refer to your specific
account for complete details.
Legal process fee
Abandoned or unclaimed accounts /
property
$25 per
account
Includes levy, writ, garnishment and any
other legal documents that requires
funds to be attached, frozen, withdrawn,
or remitted.
$75 per
request
Overdraft items and returned items (Non-Sufficient
Funds/NSF)
No more than 4 overdraft/Non-sufficient fund fees will
be charged per business day. We will not charge for
overdrafts if the account has an aggregate negative
balance of $5 or less.
Overdraft items and returned items (NonSufficient Funds/NSF) paid or unpaid
$30
$15 per
transaction
$31 per item
Safe deposit boxes
Debit Card Overdraft Services
With your consent, this optional service may be added
to a consumer checking account so that your ATM and
everyday (one-time) debit card transactions may be
approved at the bank’s discretion if you do not have
enough money in your account or linked overdraft
protection account to cover your transactions.
• If an ATM or everyday debit card transaction
overdraws your account, you will pay the overdraft fee
as described above.
• There is no fee if your account is overdrawn during
the day and you make a sufficient deposit or transfer
before the posted cut off time on the same business
day. Deposits are subject to our funds availability
policy.
• Other transactions such as checks, recurring or
automatic payments (such as ACH payments), and
Bill Pay transactions may continue to be paid into
overdraft (at our discretion) whether or not Debit Card
Overdraft Service has been added and our standard
overdraft fees will apply.
• Refer to your Believable Banking Brochure for
complete details.
• Not available for certain accounts, such as Liv On
Checking.
Continuous overdraft - (maximum of
$155)
$31 every 5
business days
Continuous overdraft begins the day of your first
overdraft, per overdraft occurrence. How this charge is
calculated: $31 every 5 business days, up to the 25th
business day. 25 business days divided by 5 days = five
$31 charges. Other fees - Third parties or other banks
may impose additional charges for returned items.
Cashed/deposited item returned unpaid
If you cash or deposit an item into your
account, and it is returned unpaid to
the Bank for any reason, your account is
charged a fee.
$10 per item
Late fee (after 10 days delinquent
Key replacement (set of 2)
Drilling fee
varies by size
$10
$25
$30 plus cost
of drilling
Stop payments/ACH block and filter
Request stop payments
$31 each
You can block a company from debiting
your your account
$31 each
You can place limits on debits initiated by
a company
$31 each
Wire transfers
Wire transfers are a safe and convenient way to transfer
money within the United States and Internationally. You
may send and receive transfers in U.S. dollars. If you
send money to other people on a regular basis, you can
set up repetitive wire transfers.
Third parties and other financial institutions may
impose additional charges for wire transfers. Incoming
and outgoing domestic wires that contain incorrect
information may be subject to multiple fees assessed by
the Bank and/or other financial institutions that process
the wire.
Incoming - Domestic and Foreign
$15 each
Outgoing - Domestic
$30 each
Outgoing - International
$50 each
Online funds transfer to external
accounts (standard)
$5 each
Online funds transfer to external
accounts (next day)
$10 each
Other fees
Overdraft protection transfer/advance
Enrollment in overdraft protection is free. If you use
Savings Transfer overdraft protection, the fee to transfer
funds to cover the overdraft is charged to your checking
account that incurred the overdraft.
From Savings or Money Market Account
Annual rent
$10 per
transfer3
IRA transfer fee to another financial
institution
Night deposit bags are available for
purchase and vary based on size and
additional attachments.
Phone payment
Medallion stamp
$30
$5 with
zipper
$25 with lock
$5 each
$30
Coverage is based on the available money market or savings account
balance. The amount transferred is in $100 increments.
3
From a Reserve Line of Credit
$10 per
transfer
Welcome Guide 25
External Transfer and Popmoney Limitations and Service Fees
Settlement
Time
(business days)
Transfer
Limit
Monthly
Limit
Outstanding
Limit
Service
Fee
(per transfer)
Standard transfer - inbound
3 days
$2,000
$5,000
$30,000
$0
Standard transfer - outbound
3 days
$15,000
$25,000
$30,000
$5
Express delivery - inbound
1 - 2 days
$2,000
$5,000
$4,000
$0
Express delivery - outbound
1 - 2 days
$2,000
$5,000
$4,000
$10
3 days
$5,000
$10,000
$5,000
$5
1 - 2 days
$2,000
$5,000
$2,000
$10
Popmoney standard transfer - outbound
Popmoney express delivery - outbound
Transfer limits - if scheduled transfers meet the Transfer Limit, new transfers may not be scheduled until pending transfers are
complete.
Monthly limits - A rolling 30 day period begins on the request date of each pending transaction.
26 Welcome Guide
Privacy Policy
PRIVACY POLICY
Effective Date of Conversion
FACTS
WHAT DOES MIDLAND STATES BANCORP, INC. AND ITS SUBSIDIARY MIDLAND STATES BANK
DO WITH YOUR PERSONAL INFORMATION?
WHY?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit
some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal
information. Please read this notice carefully to understand what we do.
WHAT?
The types of personal information we collect and share depend on the product or service you have with us. This
information can include:
• Social Security number and income
• account balances and transaction history
• credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
HOW?
All financial companies need to share customers’ personal information to run their everyday business. In the section
below, we list the reasons financial companies can share their customers’ personal information; the reasons Midland
States Bank chooses to share; and whether you can limit this sharing.
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION
Does Midland States
Bancorp,
Inc. share?
Can you
limit this
sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s),
respond to court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes - to offer our products and services to you
Yes
No
For joint marketing with other financial companies
Yes
No
For our affiliates’ everyday business purposes - information about your transactions and experiences
Yes
No
No
We don’t
share
No
We don’t
share
No
We don’t
share
For our affiliates’ everyday business purposes - information about your creditworthiness
For our affiliates to market to you
For our nonaffiliates to market to you
WHO WE ARE
Who is providing this notice?
Midland States Bancorp, Inc. and its subsidiary Midland States Bank
WHAT WE DO
How does Midland States Bancorp,
Inc. protect my personal information?
To protect your personal information from unauthorized access and use, we use security
measures that comply with federal law. These measures include computer safeguards and
secured files and buildings.
We also maintain other safeguards to protect this information and limit access to
employees for whom access is appropriate.
How does Midland States Bancorp,
Inc. collect my personal information?
We collect your personal information, for example, when you
• open an account or deposit money
• pay your bills or apply for a loan
• use your debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or
other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
• sharing for affiliates’ everyday business purposes - information about your
creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you
State law and individual companies may give you additional rights to limit sharing.
DEFINITIONS
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
• MidlandStatesBancorp,Inc.(HoldingCompany)andMidlandStatesBankareaffiliates.OuraffiliatescurrentlyincludeentitieswiththeMidlandnameaswellasentitiesofafinancialnaturebearinganothername.
Theyinclude:MidlandPremierMortgage,MidlandPreferredMortgage,HeartlandBusinessCredit,andLove
Funding.Ouraffiliatesmayalsoincludesubsequentlyformedoracquiredentitiesofafinancialornonfinancialnature.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
• MidlandStatesBankdoesnotsharewithnonaffiliatessotheycanmarkettoyou.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services
to you.
• Ourjointmarketingpartnersincludeotherfinancialservicescompaniessuchascreditcardcompanies,online
bankingcompanies,paymentprocessingandpaymentservicescompanies.
OTHER IMPORTANT INFORMATION
QUESTIONS?
Call 1-855-MY-MIDLAND (1-855-696-4352) or go to www.midlandsb.com
Midland States Bank is an Equal Housing Lender, Member FDIC
28 Welcome Guide
Questions?
Should you have questions concerning the
information in this guide, we invite you to speak with
one of our knowledgeable bank representatives.
Prior to conversion, please contact Heartland
Customer Service at 1-866-512-8501.
1201 Network Centre Drive
Effingham, IL 62401
1-855-MY-MIDLAND
midlandsb.com
Equal Housing Lender. Member FDIC.