MidWest America offers a choice in checking accounts to best suit your needs. Whether it's our Freedom Checking, Reward Checking, or Advantage 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.

Freedom Checking

When we say free - we mean free! With Freedom Checking, you get checking with no minimum balance requirements, fees or other hidden restrictions*. Just a simple, straightforward checking account full of features like online banking, mobile banking, and much, much more. 

    • No monthly service charges
    • Overdraft protection available
    • No minimum balance requirements
    • No dividends paid
    • Monthly statement
    • No "per check" charges
*Monthly, a fee will be assessed to accounts which 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, 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 complete our Account Change Form and Reward Checking Disclosure available on our Applications & Forms page. Once completed, mail back the forms to our main office at:

Attn: Call Center
MidWest America FCU
1104 Medical Park Dr
Fort Wayne, IN 46825

Reward Checking FAQ

*Each qualification cycle that the minimum requirements are met, 1.51% Annual Percentage Yield (APY) will be paid on balances between one penny and $10,000, and 0.23% APY paid on all amounts above $10,000. If you do not meet the requirements per cycle, your account will earn 0.03% 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.


Rate Information

  • 1.51% APY Bonus rate on balances up to $10,000*
  • 0.23% APY Overage rate on balances over $10,000
  • 0.03% Base rate


Advantage Checking

Advantage Checking is a checking account that delivers more value and offers the benefits you really need: savings, security, and convenience. To open an Advantage Checking account, please contact your local branch. Once you have opened your Advantage Checking account, please call 1-800-251-2311 to sign up for any of the benefits listed below: 

  • Free personalized "Advantage" Checks* (up to 2 boxes annually);
  • Dividends paid monthly on qualifying balances:
    • 1st Tier: $1,000 to $2,499
    • 2nd Tier: $2,500 to $4,999
    • 3rd Tier: $5,000 & above;
  • No minimum balance requirements;
  • Monthly statement;
  • $10,000 Accidental Death & Dismemberment Insurance;
  • $35,000 Common Carrier Insurance;
  • Credit Card Protection;
  • Key Ring Registration;
  • Local Pharmacy Card; and
  • Travel & Entertainment Discounts.

*Certain restrictions apply.


Low, Monthly Dues

  • Members under Age 50: $5 per month
  • Members Age 50 & above: $4 per month
  • Patriots Club Members: $3 per month


VISA® Debit Cards

Fast, easy, and secure. No more waiting.

What acts like a check, looks like a credit card and makes shopping as simple as a swipe? MidWest America's Visa® Debit Card, of course! With this handy financial tool, there's no need to carry around cash or checks. Just use your debit card whenever and wherever you need it. Instant issue debit cards are offered at all of our branch offices! You can walk in, open an account or request a new debit card, and walk out with the new debit card in-hand…instantly! No more waiting to receive a card in the mail; no more inconvenience, having to carry cash or checks until a replacement or new debit card is received*.

Have you heard about our new 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 card show off your team spirit, each purchase you make earns proceeds for the organization! 

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.

support your organization with an affinity card. view designs.

View Cancelled Checks & Pending ACH Transactions

You may obtain copies of canceled checks & view pending ACH transactions with MidWest America's Internet & Mobile Banking at no cost to you.

To view upcoming ACH transactions, simply sign on Mobile Banking and view transactions or after logging into Internet Banking, click on the link at the bottom of the main screen.

To view cleared checks in Internet Banking, bring up your checking account history. Once you have located the cleared check on the history page, click on the check number and the check image will appear on your screen. Depending 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.