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Checking Overview

All First Mid checking accounts come with these available conveniences:

  • Free Visa® Debit Card
  • Free Online Banking with eStatements
  • Free Online Bill Pay
  • Free Mobile Banking with free mobile deposits*
 PremierClassicInterestBasicBasic StudentStartNew
For those who want more of everything including protection.For those who want cost-saving benefits. For those who want to earn interest without the extras. For those who just need the essentials.For young adults.For those who want a chance to start over.
Open a Checking Account Online
Unlimited Check Writingincludedincludedincludedincludedincludedincluded *See below.
Free or Discounted Checks1 box/year1 box/year
Waived ATM FeesThe first $4 of First Mid foreign ATM fees waived and up to $12
non-First Mid fees refunded upon request per statement cycle
The first $4 of First Mid foreign ATM fees waived and up to $12
non-First Mid fees refunded upon request per statement cycle
$1.00 out-of-network fee waived**
Earns Interest***includedincludedincluded
Free Paper Statementsincludedincludedincluded
Cash Back Member Rewards****Up to $80/yearUp to $40/year
Identity Theft & Fraud Assistance****included
AD&D Insurance Coverage****includedincluded
Discounts on Shopping, Travel and more****includedincluded
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.
$7.00
Waived if you maintain $1,500 daily minimum balance.
$3.00
Waived if you sign up for Online Banking and eStatements, or for those 62 years of age and older.
$0
Projected Graduation Date required to open account
$9.95
A $3.00 direct deposit reward credited to your account each statement cycle in which you have a direct deposit. Transfers from another First Mid Bank & Trust account are not counted as direct deposits.
Minimum Opening Deposit$100$100$1,000$50$0$50
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* Mobile deposits not available with StartNew accounts. Checks are not available with StartNew Basic accounts – debit card and ACH access only allowed with StartNew Basic.
** Additional fees may apply at non-First Mid ATMs.
*** Interest earned on daily balance. Variable rate subject to change at First Mid’s discretion.
**** Registration and activation required.