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  First Mid Bank & Trust Interest Checking

First Mid Bank & Trust Interest Checking

in Checking Accounts from First Mid Bank & Trust · fdic

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First Mid Bank & Trust Interest Checking

Unaffiliated

in Checking Accounts from First Mid Bank & Trust · Member FDIC

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Highlights
Monthly Fee $0 - $7
ATM Fee: Out-of-Network N/A
Minimum Balance to Avoid Monthly Fee Starting at $1,500
APY (Annual Percentage Yield) 0.01%

First Mid Bank & Trust Interest Checking Review

First Mid Bank & Trust Interest Checking is offered by First Mid Bank & Trust, a bank founded in 1934 and based in Mattoon, IL. First Mid Bank & Trust Interest Checking is available in 2 states across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only .01%.
  • Charges a monthly fee. This account charges a monthly service fee of up to $7, but the fee is waived if you keep a minimum balance of $1,500.
  • $1,000 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • Up to $4 in ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through First Mid Bank & Trust.
First Mid Bank and Trust interest checking Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Only available in 2 states.
  • Monthly service charge.
First Mid Bank and Trust interest checking FAQ

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

Yes, your First Mid Bank & Trust checking accounts are insured up to $250,000 per person 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 interest checking offer?

First Mid Bank & Trust Interest Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.01%

First Mid Bank and Trust interest checking offers an APY of .01% (APY stands for annual percentage yield, rates may change).

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

First Mid Bank and Trust interest checking requires a minimum initial deposit of $1,000 to open an account.

First Mid Bank & Trust Interest Checking Minimums
Description
Minimum Opening Deposit Starting at $1,000
Minimum Balance to Avoid Monthly Fee Starting at $1,500

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

This account charges a monthly service fee of up to $7.

First Mid Bank & Trust Interest Checking Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $4
Bank Teller Fee $0
Check Cashing Fee $0
Monthly Fee $0 - $7
Online Bill Pay Fee $0
Paper Statement Fee $0

Does First Mid Bank and Trust interest checking charge overdraft fees?

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

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $4.
  • Fraud monitoring - First Mid Bank and Trust interest 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 interest checking allows you to manage your money online or with a mobile app. This includes depositing checks 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 interest checking?

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

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Message From First Mid Bank & Trust Interest Checking

Earn Interest with Ease! Like to keep a higher balance in your checking, but don’t want to miss out on valuable interest? Then Interest Checking is for you. The more you keep in your account, the more interest you’ll earn. A great option for those that need all the perks plus interest!

Availability

  Available in 2 states
  • Illinois
  • Missouri

Feature Breakdown

Minimum Opening Deposit Starting at $1,000
Minimum Balance to Avoid Monthly Fee Starting at $1,500
ATM Fee: In-Network $0
Bank Teller Fee $0
Check Cashing Fee $0
Online Bill Pay Fee $0
Paper Statement Fee $0
ATM Reimbursement Monthly Limit $4
Monthly Fee $0 - $7
Account Features
  • Member FDIC
  • Check Writing
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Monitoring
  • Mobile Banking
  • Nationwide ATM Network
  • ATM Reimbursement
  • Interest Bearing Account
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.01%

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