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.

checking account comparison chart

Freedom Checking

Just a simple, straightforward checking account full of features like online banking, mobile banking, and much, much more. 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
*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.

Reward Checking FAQ

*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.


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

benefits plus® Checking

benefits plus

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!

To begin the savings for you and your family, simply contact a Member Service Representative at your local branch or to explore more details on the Benefits Plus® Program visit 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


Travel Discounts

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



Health & Wellness

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


Entertainment & Shopping

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


*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.

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 card in-hand…instantly! No more waiting to receive a card in the mail or having to carry cash or checks until a replacement or new debit card is received.

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.



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
  • 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 University
  • Huntington North High School
  • Leo Jr/Sr High School
  • New Haven High School
  • Northrop High School
  • Noble County 4-H
  • North Side 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

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.

affinity card designs


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.