We have a variety of deposit accounts available, but our most popular accounts can be opened online — in a matter of minutes! Review account features below to choose the best option for you. After establishing your new account, use our Switch Kit Form to assist in moving your funds and automatic transactions from another financial institution to your new First Mid account.
If you need help or have questions about opening an account online, our Customer Support is available through chat, online or by phone at 877-888-5629.
| Premier Checking | Classic Checking | Silver Simply Free with eStatements | Blue Sky | Retail Savings | Retail Money Market | Certificate of Deposit | Kids' First Savings | |
|---|---|---|---|---|---|---|---|---|
| For those who want more of everything including protection. | For those who want cost-saving benefits. | For those who want to keep it simple. | For those wanting digital banking with no overdraft fees.1 | For those with savings under $1,000. | For those with more than $1,000 in savings. | For those with savings goals to reach. | For those under age 18. | |
 | Open Online | Open Online | Open Online | Open Online | Open Online | Open Online | Open Online | Open Online |
| Free Online Banking with eStatements |  | | | | | | |
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| Free Online Bill Pay with Zelle® | | | | | ||||
| Free Mobile Banking with Mobile Deposits2 | | | | | | | | |
| Free Visa Debit Card compatible with Apple Pay, Samsung Pay, and Google Pay | | | | | ||||
| Unlimited Check Writing | | | | Checks may not be written on this account3 | Limited check writing available | |||
| Free or Discounted Checks | 1 box/year | 1 box/year | ||||||
| Waived ATM Fees | First Mid ATM Out-of-Network fees are waived and up to $12 in Non-First Mid ATM fees refunded each month upon request | First Mid ATM Out-of-Network fees are waived and up to $12 in Non-First Mid ATM fees refunded each month upon request | ||||||
| Earns Interest5 | | | | | See Below6 | |
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| Free Paper Statements | | | $2.00 discounted paper statement fee | Statement can be combined with a checking statement6 |
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| Cash Back Member Rewards7 | Up to $80/year | Up to $40/year | ||||||
| Identity Theft & Fraud Assistance7 | | |||||||
| AD&D Insurance Coverage7 | | | ||||||
| Discounts on Shopping, Travel and more7 | | | ||||||
| Monthly Maintenance Fee and Account Restrictions | $7.95 Waived if you maintain $5,000 daily minimum balance in the account, or maintain $50,000 daily minimum balance in total deposits with First Mid. | $4.95 Waived if you maintain $5,000 daily minimum balance in the account, or maintain $50,000 daily minimum balance in total deposits with First Mid. | $3.00 Waived if you sign up for Online Banking and eStatements. | $5.00 | $1.00 Waived if you maintain $100 daily minimum balance in the account during statement cycle. $0.50 will be charged for each debit transaction in excess of 4 during a statement cycle. | $5.00 Waived if you maintain $1,000 daily minimum balance in the account during statement cycle. | $0 | $0 |
| Minimum Opening Deposit | $100 | $100 | $50 | $25 | $100 | $1,000 | $1,000 | $25 |
| Learn More | Learn More | Learn More | Learn More | Learn More | Learn More | Learn More | Learn More |
- This account is not subject to NSF/return fees. Items that overdraw the account are returned and ATM/everyday debit card transactions are declined.
- Message and data rates may apply.
- Checks will not be issued and may not be written on this account. Any debited checks, outside of those issued from First Mid’s online bill pay, will be returned unpaid.
- Additional fees may apply at non-First Mid ATMs.
- Interest earned on daily balance. Variable rate subject to change at First Mid’s discretion.
- Interest earned on CD will be credited back to the certificate (compounded) at the following: if the term of the certificate is 11 months or less, interest will be compounded at maturity; if the term of the certificate is 12 months or longer, interest will be compounded monthly. Penalty for early withdrawal. $50,000 maximum additions allowed during the CD term.
- Accounts must have identical ownership for combined statements.
- Registration and activation required.
