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.

Midland States Bank in Effingham is open Monday through Friday from 9:00 AM to 5:00 PM, and on Saturday from 9:00 AM to 12:00 PM. The bank is closed on Sundays.

Yes, the drive-through at Midland States Bank in Effingham operates Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 5:30 PM, and Saturday from 8:30 AM to 12:00 PM. It is closed on Sundays.

Midland States Bank is closed on major holidays including Veterans Day, Thanksgiving Day and the day after, Christmas Day, New Year's Day, Martin Luther King Jr. Day, Presidents Day, Memorial Day, Juneteenth, and the Fourth of July.

Yes, Midland offers the YouthSaver account designed for individuals under 18, which must be co-owned with a parent or guardian. It’s great for teenagers aged 14-17 and transitions to their name when they turn 18.

Midland States Bank offers various mortgage options including fixed-rate mortgages, adjustable-rate mortgages, FHA and VA loans, and assistance with pre-approval to guide you through the home buying process.

Midland supports small businesses with business checking and savings accounts, business loans, commercial lending, merchant services, cash management, and SBA loans as a Preferred SBA Lender.

Yes, the Midland States Bank Deposit ATM is conveniently located nearby for quick access to cash and deposits outside of regular banking hours.

Near Midland States Bank, you can enjoy a coffee or meal at Joe Sippers Cafe, or visit popular local bars such as The Office Pub and Scrubby’s Pub for drinks and socializing before or after your banking visit.

Yes, nearby you can find wellness and beauty services including Once Upon a Fade hair salon, Expressions by Emily K spa, Touch of Marigold Wellness massage therapy, West East Yoga studio, and Mikala Bushue Cosmetologist salon.

Customers can easily access community services at the Elks Lodge, or legal support from nearby firms like Freezeland Lance B and McDevitt Osteen Chojnicki & Deters, which is convenient for handling personal or business legal matters in one trip.