Checking accounts to best suit your needs.

Compare Accounts


MidWest America offers a choice in checking accounts to best suit your needs.

Whether it's our Freedom Checking, Reward Checking, or Benefits Plus® Checking account, we've designed a product that is just right for you.

Along with your checking account, you won't want to be without our VISA® Debit Card. This service works hand in hand with your checking account by allowing you to make purchases without using paper checks with the convenience of a credit card.

If you are in need of a temporary checkbook register, please visit our Applications and Forms page.

Compare Accounts View Comparison Chart (pdf)

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Freedom Checking

What makes a great account? No surprises, no hassle, and people there to help when you need it. If your current checking account is costing you more and giving you less, try Freedom Checking!

With Freedom Checking, you can count on incredible service from our team, no monthly fees, easy management 24/7 through Digital Banking and our mobile app. There is no minimum balance or monthly fee.

  • No monthly service charges*
  • Overdraft protection available
  • No minimum balance requirements
  • No dividends paid
  • Monthly statement
  • No "per check" charges

Compare Accounts View Comparison Chart (pdf)

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*Monthly, a fee will be assessed to accounts that maintain an average aggregate balance of less than $500 for the previous two months. This fee will be waived if the checking account has 5 or more financial transactions (fee withdrawals or dividends are not considered financial transactions) during the month, there is an open loan on the account that is not delinquent, charged off, or in a repossession status, or the account belongs to a minor (less than age 18).

Reward Checking

Reward Checking acts like a traditional checking account but has added features that actually reward you for using it.

Earn rewards like a premium interest rate and fee refunds on ATMs!

All you have to do to get these great benefits is fulfill three easy requirements—things you're probably doing already

  • Have at least one Automatic Payment or Direct Deposit transaction post and clear in your MidWest Reward Checking Account per monthly qualification cycle
  • Have at least 10 debit card transactions post and clear per monthly qualification cycle
  • Sign up for and receive monthly e-statements (must maintain a valid email address)

To apply for Reward Checking, please visit any one of our locations or call us at 1-800-348-4738.

Compare Accounts View Comparison Chart (pdf) FAQ

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Rate Information

  • 1.01% APY Bonus rate on balances up to $10,000*
  • 0.24% APY Overage rate on balances over $10,000
  • 0.01% Base rate

*Each qualification cycle that the minimum requirements are met, 1.01% Annual Percentage Yield (APY) will be paid on balances between one penny and $10,000, and 0.24% APY paid on all amounts above $10,000. If you do not meet the requirements per cycle, your account will earn 0.01% APY; however, you will not receive ATM refunds. Dividend rate subject to change. No minimum balance required. Available on personal accounts only. No monthly service charge. ATM fee refunds up to $12 per cycle, if requirements are met. Accounts not meeting the monthly qualifications will be assessed a $5.00 fee.

Benefits Plus® Checking

Benefits Plus® Checking entitles you to an exclusive program that saves you and your family money on products and services you use every day.

Free personalized checks (up to 2 individual orders per year), $10,000 AD&D insurance, and the following list of services are available and much more!

benefits plus

To start saving for you and your family, visit your local branch or learn more about the Benefits Plus® Program at or by calling 1-866-329-7587.

ULTIMATE ID® Identity Theft Protection

  • 3 bureau credit monitoring
  • Instant inquiry alerts
  • Credit score tracker
  • Internet monitoring
  • Fraud research, remediation, and recovery services

    Learn More 

Travel Discounts

  • Airfare, cruises, hotels, car rentals
  • Concierge travel planning

    Learn More 

Health & Wellness

  • Pharmacy discount
  • Hearing care
  • Vision discounts
  • Dental plan

    Learn More

Entertainment & Shopping

  • Cellular care coverage
  • Dining & grocery discounts
  • Gift Card Savings
  • Cashback rewards
  • 90-day purchase protection

Learn More

*MidWest America FCU has selected Generations Gold, Inc. a fully independent third party benefits provider, to provide travel and other discounted services on an exclusive basis directly to Benefits Plus® members. MidWest America FCU assumes no liability for any of the providers in fulfilling their services. All liabilities, claims, damages, and demands are the sole and direct responsibility of Generations Gold, Inc. and its independent service or benefits providers. Discounts received through the Benefits Plus® Program may not be used in conjunction with any other discounts. Benefits and services available through the Program are subject to change without notice. Not all plans and discounts are available in all areas. See or call 1-866-329-7587 for complete program details. A monthly fee of $6.00 will apply.

VISA® Debit Cards

Fast, easy, and secure. No more waiting.

With this handy financial tool, there's no need to carry around cash or checks. Since your debit card and checking account are linked, it’s simple to manage your funds. When you’re out shopping or filling up your tank, the money is drawn directly from your checking account, and you'll be able to easily keep track of any activity through Digital Banking.

Stop by any of our locations or call us at 800-348-4738 for more details or to get your new card today. 

  • No annual fee or usage service fee
  • Instant issued debit card
  • Accepted worldwide wherever Visa® is accepted and purchases are automatically deducted from your checking account
  • 24-hour access to our ATM network
  • Saves on writing paper checks and safer than carrying cash

For more information regarding our debit cards, please visit our Help & FAQ page.


paying with debit card


Your checking account. Your choice.

Have you heard about our Affinity Visa® Debit Card Program? Now you can choose a Visa® card with the logo of your favorite school, team, or organization. Not only will using your free card show off your team spirit, but each purchase you make also earns money for the organization! 

Also, if you are between the ages of 18-23 years old and have an Affinity Visa® Debit Card with e-statements you are qualified to automatically receive up to $12 in ATM fees refunded monthly. 

We currently partner with the following schools and organizations:

  • Adams Central High School
  • Allen County Schools - Scottsville, KY
  • Angola High School
  • Bellmont High School
  • Bishop Dwenger High School
  • Bluffton High School
  • Columbia City High School
  • Concordia Lutheran High School
  • Churubusco Schools
  • Danville High School
  • East Noble High School
  • Fort Wayne Mad Ants
  • Fort Wayne TinCaps
  • Fremont Community Schools
  • Heritage Jr/Sr High School
  • Homestead High School
  • Huntington North High School
  • Huntington University
  • Leo Jr/Sr High School
  • New Haven High School
  • Noble County 4-H
  • North Side High School
  • Northrop High School
  • Norwell High School
  • Snider High School
  • South Side High School
  • UAW Local 2209
  • University of Saint Francis
  • Wayne High School
  • Whitley County 4-H
  • Woodlan Jr/Sr High School
affinity card designs

Stop by any of our locations or call us at 800-348-4738 for more details or to get your new card today. 

For more information regarding our debit cards, please visit our Help & FAQ page.


You may obtain copies of canceled checks (web version only) & view pending ACH transactions with MidWest Digital Banking at no cost to you.

To view upcoming ACH transactions, simply log on to Digital Banking and select Accounts -> History. To view cleared checks, locate the cleared check on under History, click on the check number, and the check image will appear on your screen. Depending on how the retailer processes your item, you will either receive a computer-generated image or the actual check image. You may print the image at that time on your own printer.

Checking Comparison

  Freedom Reward Benefits Plus
Earn Dividends    
  No Monthly Fee 
No Min. Balance
  Free Bill Pay 
  Additional Benefits