Retail/Smart
For those with savings under $1,000.
- Open Account Online
- Statement can be combined with a checking statement3
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Monthly maintenance fee and account restrictions: $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.
- Minimum opening deposit: $100
Retail Money Market
For those with more than $1,000 in savings.
- Open Account Online
- Unlimited ATM and in-person transactions
- Limited check writing available4
- Monthly maintenance fee and account restrictions: $5.00
Waived if you maintain $1,000 daily minimum balance in the account during statement cycle. - Minimum opening deposit: $1,000
Retail Prime First
For those who want to earn more on a higher balance.
- Unlimited ATM and in-person transactions
- Limited check writing available4
- Monthly maintenance fee and account restrictions: $10.00
Waived if you maintain $15,000 daily minimum balance in the account during statement cycle. - Minimum opening deposit: $15,000
Kids' First Savings
For those under age 18.
- Open Account Online
- Free paper statements
- Monthly maintenance fee and account restrictions: $0
- Minimum opening deposit: $25
Certificate of Deposit
For those with savings goals to reach.
- Open Account Online
- Earns Interest5
- Monthly maintenance fee and account restrictions: $0
- Minimum opening deposit: $1,000
1. Message and data rates may apply.
2. Interest earned on daily balance. Variable rate subject to change at First Mid’s discretion
2. Interest earned on daily balance. Variable rate subject to change at First Mid’s discretion
3. Accounts must have identical ownership for combined statements.
4. Retail Money Market and Retail Prime First are transactional checking accounts with a savings focus.
5. 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.
5. 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.