Checking account

Personal 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.

   Open an Account Online


Simply Free Checking Advantage Checking
Minimum Balance Requirement None $15,000
Interest Bearing None 0.20% 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 Zelle® Yes, with Mobile Check Deposit and free peer-to-peer payments with Zelle®
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 Visa Debit Card and free premium checks2
Fee Reimbursement None Unlimited foreign ATM fee reimbursement
Loan Rate Discount 0.20%7 0.20%7

Who Should Use Simply Free Checking?

Simply Free Checking is ideal for people who want no minimum balance requirements, no monthly service fees and free online bill payment. This convenient account provides outstanding benefits for customers with basic banking needs. You can use mobile and online banking with this account too. If you’re a retiree, someone opening their first checking account or a recent graduate from college in PA, our free checking account is the right choice.

Who Should Use Advantage Checking?

Advantage Checking is the best account for customers whose banking needs involve more in-depth offerings. Benefits include free domestic wire transfers and a free Safe Deposit Box. With a minimum balance of $15,000, this account provides exceptional cash back offers. Customers earn cash back on signature-based point of sale transactions. They also accrue interest on their balance.

All Advantage Checking account holders can access their accounts online or via our mobile app at any time. If you travel abroad frequently, make enough money to maintain a healthy balance and want to be able to access your money while still earning interest on it, this checking account will meet all your requirements.

When you select either account, you’ll get the standout customer service our community bank is known for providing. We offer checking account support that other banks lack.

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 – 0.20% Annual Percentage Yield (APY) is effective as of 08/01/2022. 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 that successfully post and settle, net of any returns.  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 prior to payment of cash back, all accrued cash back will be forfeited.


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 Berks 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!

Open Your New Account Today

See what a difference it makes to select a community-focused bank for your checking account. We are proud to be among the local banks with free checking and online and mobile banking tools you can access 24 hours a day, seven days a week. Visit one of our locations in central Pennsylvania. If you have any questions, feel free to contact us.


   Open an Account Online