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Last Updated: 01/21/2026

First Mid Bank & Trust Basic Checking

from First Mid Bank & Trust

Last Updated: 01/21/2026

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Highlights

Welcome Offer

N/A(Verified 09/28/2022)

Cashback Rewards

N/A

APY (Annual Percentage Yield)

N/A

Monthly Service Fee

$0 - $3(Verified 01/21/2026)

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First Mid Bank & Trust Basic Checking Review

The First Mid Bank & Trust Basic Checking is offered by First Mid Bank & Trust, a bank founded in 1934 and based in Mattoon, IL. First Mid Bank and Trust basic checking is available in 2 states.

Key Takeaways

Charges a monthly fee. This account charges a monthly fee of up to $3.
Bill pay. Pay your bills to practically anyone in the United States when you enroll in First Mid Bank & Trust mobile or online banking.

First Mid Bank and Trust basic checking Pros & Cons

Pros

Cons

Access to physical branches.
Debit card
Access to a nationwide network of ATMs.

No signup bonus.
Does not earn interest.
Only available in 2 states.

First Mid Bank and Trust basic checking FAQ

Are checking accounts from First Mid Bank & Trust federally insured?

Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC #3705). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does First Mid Bank and Trust basic checking offer?

First Mid Bank and Trust basic checking is not an interest-bearing account.

What are the account minimums for First Mid Bank and Trust basic checking?

First Mid Bank and Trust basic checking requires a minimum initial deposit of $50.

First Mid Bank & Trust Basic Checking Minimums

Description

Minimum Opening Deposit

Starting at $50

What fees does First Mid Bank and Trust basic checking charge?

This account charges a monthly maintenance fee each statement cycle of up to $3.

First Mid Bank & Trust Basic Checking Fees

Description

Monthly Service Fee

$0 - $3

Paper Statement Fee

Starting at $3

ATM Fee: In-Network

Starting at $0

Bank Teller Fee

Check Cashing Fee

Online Bill Pay Fee

Starting at $0

What features and perks does First Mid Bank and Trust basic checking offer?

This account includes the following features:

Fraud monitoring - First Mid Bank and Trust basic checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - First Mid Bank and Trust basic checking allows you to manage your money online or with a mobile app. This includes depositing checks¹ in your account with a mobile app on your smartphone.
Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for First Mid Bank and Trust basic checking?

The customer support email for First Mid Bank and Trust basic checking is socialmedia@firstmid.com.

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Message from First Mid Bank and Trust basic checking

Easy with Plenty of Extras! Basic Checking from First Mid gives you all the checking essentials, and if you sign up for eStatements with Online Banking, the monthly maintenance fee is waived. It’s that simple to get everything you need! So if you’re the type of person who writes only a couple of checks a month but loves having access to your accounts while you’re on the go, this is a great option for you!

Contact

Headquarters

1515 Charleston Ave

Mattoon, IL 61938

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:00AM - 4:00PM

Tuesday

9:00AM - 4:00PM

Wednesday

9:00AM - 4:00PM

Thursday

9:00AM - 4:00PM

Friday

9:00AM - 5:00PM

Saturday

9:00AM - 12:00PM

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First Mid Bank & Trust Basic Student Checking

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

N/A

Monthly Service Fee

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First Mid Bank & Trust Classic Checking

Rating not yet determined

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

.01%

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Monthly Service Fee

$0 - $4.95

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First Mid Bank & Trust Interest Checking

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

.01%

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Monthly Service Fee

$0 - $7

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First Mid Bank & Trust Premier Checking

Rating not yet determined

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

.01%

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Monthly Service Fee

$0 - $7.95

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First Mid Bank & Trust Start New Checking

Rating not yet determined

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

N/A

Monthly Service Fee

$6.95 - $9.95

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.