Retail / Smart

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Retail Savings

This is a good account for those with savings under $1,000.

  • Minimum opening deposit—$100
  • Monthly maintenance fee:  $1.00 charged if the daily minimum balance in the account falls below $100 during a statement cycle
  • No minimum balance required to earn a variable market rate of interest
  • A withdrawal fee of $0.50 will be charged for each debit transaction in excess of four during a monthly cycle

View our current rates or Contact Us for more information.


Smart Savings*

When you have a First Mid Premier or Classic Checking account, you can open a Smart Savings account and establish your own automatic savings program. With Smart Savings, automatic deposits are made on a regular basis—weekly, biweekly or monthly—whatever fits your schedule.

Easy to establish with scheduled transfers from another account or through payroll deductions, each automatic deposit may be a minimum of $25 and your Smart Savings statement will be combined with your Premier or Classic Checking account (accounts must have identical ownership).

With this type of structured plan, you’ll find it easier to grow your savings. Start saving today – the smart way!

*Premier or Classic Checking account required to open this account.