Midland States Bank

You can take advantage of our high-yield savings accounts in Effingham or at any of our Midland locations. We offer high-interest savings account options in the form of high-yield money markets, high rate CDs, or a traditional savings account, our FlexSaver Savings. The FlexSaver only requires a $0.01 minimum daily balance to earn interest. Our savings accounts are automatically FDIC insured up to $250,000 per depositor and for each account ownership category, so you can rest assured knowing your money is safe with Midland States Bank. If you aren’t sure what the best high yield savings account option is for you, we can help you determine the account that suits your needs. Simply call us at 1- 855-696-4352 to get started, or visit any Midland location.

Midland’s YouthSaver is a kids’ savings account that was made specifically for individuals under the age of 18, and it can be opened at any of our locations. The best savings account for kids is one that allows children to start building their funds from an early age, and our child savings account does just that! The YouthSaver must be co-owned, with a parent or guardian. This is a great bank account for teenagers ages 14-17. Then, once your child turns 18, the account will transfer to their name.

Yes, Midland States Bank offers joint accounts. You can open a joint checking account or a joint savings account in Effingham. We make it easy for both owners to manage the account. If you need help choosing which account fits both owners’ needs, our Bankers can help you determine what the best joint bank account option is for you.

For our CDs with highest rates in Effingham, check out our CD Specials on our website or by calling us at 1-855-696-4352.

The bank is open Monday through Friday from 8:00 AM to 5:00 PM.

No, the bank is closed on Saturdays and Sundays.

Yes, the drive-through is closed on designated holidays such as November 11 and 27, December 25, January 1 and 19, February 16, May 25, June 19, and July 3 and 4.

Yes, you can stop your application and will receive an email with instructions to log back in and continue at your convenience.

Yes, they offer high-yield money markets, high rate CDs, and the FlexSaver savings account with a very low minimum balance required to earn interest.

Services include business checking and savings accounts, business debit and credit cards, merchant services, cash management, and a variety of business loans.

The Greyhound Bus Station nearby provides convenient public transit options to reach Midland States Bank and other local businesses.

Yes, nearby childcare facilities include Treehouse Day Care & Preschool and Treehouse Too Child Care, which can be useful for customers managing family needs when banking.

Customers can visit local restaurants like McDonald's or Subway, both close to the bank, for quick meals before or after banking needs.