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Personal Checking

Mid Penn Bank offers all the features you need in one checking account. Apply for a Simply Free Checking account today. 

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Simply Free Checking – The Way Checking Should Be

Simple. Free. These two words combined make a powerful team. With Mid Penn Bank’s Simply Free Checking you have the security of zero nuisance fees and access to many free yet valuable services. And you don’t have to choose between multiple checking accounts because Mid Penn Bank provides everything you need in one. How simple is that?

Account Features

  • Interest bearing-tiered rates1
  • No minimum balance required
  • FREE online banking²
  • FREE online bill pay²
  • FREE foreign ATM transactions3
  • FREE coin counting
  • FREE notary service4
  • FREE Visa® Check Card5
  • Discounted safe deposit box6
  • 0.20% loan rate discount7

Apply for a Simply Free Checking account today!


1Variable rate based on daily available balance. See current rate here.

2Internet and carrier fees may apply.

3Referring to fee charged by Mid Penn Bank on customer’s transactions at a non-Mid Penn Bank ATM. Customer may be charged a fee by ATM owner.

4Where available

5Overdraft and returned item fees may apply.

6Safe deposit box rental fee discount by $10.00 per year (based on availability).

7Customer 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 Offer is subject to credit approval and may be withdrawn without  notice.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 ProtectLink* - Link a Mid Penn Bank checking, savings, or money market account to your Mid Penn Bank checking account. 
  • Home Equity Line of Credit** - Available as protection against unplanned overdrafts and as a traditional home equity line of credit.
  • Flex Line of Credit** - A traditional line of credit that can be linked as protection against overdrafts.
  • MPB Personal Protection Line of Credit** - Designed specifically to be linked to your checking account as overdraft protection against overdrafts.

*Transaction limits may apply on savings and money market accounts.
**All loans subject to credit and underwriting criteria.


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