Checking

Checking account

Mid Penn Bank offers two convenient personal checking account options. Enjoy the flexibility of our Simply Free Checking account, or the premium benefits of our Advantage Checking account.

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Simply Free Checking Advantage Checking
Minimum Balance Requirement None $15,000
Interest Bearing None 0.25% APY4
Monthly Service Fees None None
Cash Back None $0.10 per credit-based debit card transaction5
Free Electronic Banking Services Online Banking, Online Bill Pay, Telephone Banking1 Online Banking, Online Bill Pay, Telephone Banking1
Free Mobile Banking Yes, with Mobile Check Deposit and free peer-to-peer payments with Popmoney Yes, with Mobile Check Deposit and free peer-to-peer payments with Popmoney
Free In-Branch Services Discounted Safe Deposit Box3 Unlimited free domestic wire transfers, free Safe Deposit Box, financial consultation with Trust & Wealth Management division6
Debit Card & Checks Free Visa Debit Card & first order of standard checks2 Free Premium Visa Debit Card and free premium checks2
Fee Reimbursement None Unlimited foreign ATM fee reimbursement
Loan Rate Discount 0.20%7 0.20%7

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1 – Internet and carrier fees may apply.

2 – Overdraft and returned item fees may apply.

3 – Safe deposit box rental fee discount by $10.00 per year (based on availability).

4 – 0.25% Annual Percentage Yield (APY) is effective as of 08/30/2019. Minimum deposit required to open account is $15,000. No minimum balance required to earn advertised APY after account opening. Rate is variable and may change after opening. Fees can reduce earnings on the account. Terms and conditions are subject to change.

5 – $0.10 cash back will be paid on all signature-based point of sale transactions successfully completed, net of any returns. Cash Back will be paid directly to the account within the first 10 calendar days of the month for all activity occurring in the previous month. ATM transactions, pin based transactions, the purchase of money orders or other cash equivalents, Peer-to-peer payments, and loan payments or account funding made with your debit card and cash over portions of point-of-sale transactions are not eligible for cash back rewards. If the account is closed mid-month, all accrued cash back will be forfeited. Mid Penn Bank reserves the right to make changes or terminate the cash back feature at any time.

6 – NOT A DEPOSIT / NOT FDIC INSURED / NOT BANK GUARANTEED / NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY / MAY LOSE VALUE

7 – Customer must elect to have loan payment automatically deducted from a Mid Penn Bank checking account to receive discount. Discount available only on non-promotional consumer fixed-rate loans. Cannot be combined with other offers. Offer is subject to credit approval and may be withdrawn without notice.

Overdraft Protection

Accidents happen. A written check is forgotten. A transaction is unrecorded. All of these can result in an overdrawn account.
Mid Penn Bank offers several options to protect your account against an overdraft:

  • MPB ProtectLink1 – Link a Mid Penn Bank checking, savings, or money market account to your Mid Penn Bank checking account.
  • Home Equity Line of Credit2 – Available as protection against unplanned overdrafts and as a traditional home equity line of credit.
  • Flex Line of Credit2 – A traditional line of credit that can be linked as protection against overdrafts.
  • MPB Personal Protection Line of Credit2 – Designed specifically to be linked to your checking account as overdraft protection against overdrafts.

1 – Transaction limits may apply on savings and money market accounts.

2 – All loans subject to credit and underwriting criteria.

Choose Mid Penn for your personal checking account needs and feel the community bank difference.

Mid Penn Bank is 100% locally based in Pennsylvania, which means we invest in our local communities and our team contributes to the local economy. This offers many unique advantages:

  • Our team members contribute to the same charities and non-profit organizations as you.
  • Our bank focuses on local investment to grow opportunities in your neighborhoods.
  • We offer convenient locations across the state. From Fayette County to Dauphin County to Lancaster County, we’re proud to provide a local retail branch for your Pennsylvania community.
  • By building community ties, our team members get to know our clients personally.
  • We’re able to offer personalized touches and customized solutions for our fellow community members.

Order New Checks Online

Need a new supply of checks? We make it simple – place your check order online today!