Frequently Asked Questions


Are my deposit accounts FDIC insured?

Yes! Each individual customer's account is insured by the FDIC up to $250,000 per insured.

How do I set up Direct Deposit of my payroll check?

After you have opened a checking or/and savings account with Mid America Bank you will receive information about your account, in particular the bank routing number and your account number(s). At any point after you have received this information you can initiate a direct deposit from your employer or another payee. Simply provide the bank routing number, your account numbers(s) and proof of account in the form of a voided check, deposit slip or a signed bank letter verifying your banking information. Your direct deposit will usually begin within thirty days after submission.

What products can I apply for online?

We provide an online application that you can fill out, print and bring into any of our four convenient bank locations. This will speed processing in addition to providing you the personal care you need when selecting the right account for you.

Can I earn interest on my checking account?

Yes! We offer multiple business and consumer checking accounts that pay a market rate of interest. See our Rates page for more information on current interest rates.

Can I do all of my banking with you?

Yes! Thanks to the convenience of Direct Deposit, ATMs, our mobile app, and online banking everyday banking activities can be performed on your own time.

Can I look at all of my transactions at any time?

Yes, with Online Banking at Mid America, you have access to your account information 24 hours a day, 7 days a week.

How frequently is my information updated?

Your account information is updated every business day with new transactions that posted to your account the previous day, and some same day transactions.

Are wire transfers possible to and from my checking account?

Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits.

How do I make a deposit to my account from a remote location?

You can make a deposit to your account using our mobile banking app, by using Direct Deposit, ACH transactions, mail, or by visiting one of our four convenient locations.