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We are dedicated to bringing you not only the best products at the best price, but also to delivering those products with a superior level of service that you deserve and can count on.

Online Banking is available to all Midwest Community Bank account owners. To enjoy the benefits of Online Banking, please complete and submit the enrollment form and we will contact you regarding this matter.

Online Banking is the perfect tool to save you time and allow you to manage your money. Access your accounts 24 hours a day, 7 days a week.

Features of Online Banking you will enjoy:

  • Password protected access to account information.
  • Change passwords.
  • View all your accounts for latest balances on checking, savings, CD, IRA & personal loan accounts.
  • Access detailed deposit and loan account history.
  • View and print an entire account statement.
  • Transfer money between accounts.
  • Make loan payments without writing a check.
  • Set up automatic recurring transfers between accounts, weekly, monthly, quarterly, semi-annually or annually.
  • Download account information into financial management software such as Intuit Quicken or Microsoft Money.
  • Pay bills with CheckFree Bill Pay Service.  See below for more information.
  • Submit personal information such as change of address, phone, and fax numbers.
  • Issue stop payment requests.
  • Reorder Midwest Community Bank In-House checks.
  • The use of Loan, Retirement, Bonds, and Savings calculators for financial planning.
  • Set up personal recurring reminders, birthdays, special events, anniversaries, etc.
  • Bank mail – Read & respond to mail messages sent from us.
  • Session reports - View detailed reports on transactions and account information.
  • Alerts – Use this to monitor end-of-day balances on checking, savings and loan accounts. If it gets below a certain balance an alert e-mail message is sent to you.
  • Link to bank controlled sites from bank homepage.
  • Cash Management, this option is available to Business & Commercial accounts only. (Optional feature, fees apply) See below for more details or call 815-235-6137 for more information or toll free at 844-494-4655.

You must be registered for Online Banking. If you are not a registered customer, you must complete and submit our enrollment form for a secure user ID and password. Once you submit the application we will mail your user ID and password authorization.
Midwest Community Bank Online Banking product is designed to provide you secure access to a multitude of online services.
SECURITY: As with any of our Midwest Community Bank’s services, security is our #1 priority. We have advanced security tools, including cryptography and firewalls to keep information and transactions secure. We have taken great measures to ensure reliability and security of your financial data. You can log on secure in the knowledge that all information will remain confidential.

Bill Pay (Optional Feature)

  • Pay bills with CheckFree bill pay service. It reduces the time spent paying monthly bills and eliminates the cost of writing checks and postage.
  • CheckFree unlimited bill pay service.
  • It will allow customers to set up recurring or one-time payments to pay bills to anyone normally paid by check.
  • This allows flexible billing options, online payment review, and 24-hour timeframe to stop payments.
  • The payment date is the date the transaction will be sent to CheckFree for processing. Therefore, they will need to allow time for CheckFree to process the payment and send it to the payee. It is recommended that they allow 5-7 business days for the payment to reach the payee.
  • Once a scheduled payment has been gathered at midnight of the scheduled date, they will not be able to delete a payment from their computer. They will need to contact us as soon as possible.

Cash Management & Electronic Commerce (Optional feature, fees apply)
Available to Commercial & Business account customers only!

With Cash Management, commercial and business account customers will have many options available to manage their funds, from Wire Transfers to Payroll.


  • This option allows you to submit a wire transfer request to Midwest Community Bank via Online Banking.
  • This request is sent through a secured E-mail to the bank.
  • Incoming and outgoing wire transfers are available.
  • Transactions are processed Monday through Friday, excluding holidays.
  • Transactions received on weekends are processed on the next business day.
  • Wire transfers must be received by 3:00 p.m. to be processed on the same business day.
  • Transfers received after 3:00 p.m. are processed on the next business day.

ACH (Automatic Clearing House) Origination

  • This allows you to add or change recipient information in a regular ACH batch or ACH Tax batch.
  • This information can be sent to the bank via Online Banking entry or through a batch import process.
  • Origination file and effective date cannot be more than 2 days for credits and/or 1 day for debits.
  • Transactions are processed Monday through Friday, excluding holidays.
  • Transactions received on weekends are processed the next business day.

Wire List

  • This allows you to set up a recipient's account for receiving funds.
  • Set up accounts that you access frequently.

ACH (Automatic Clearing House) Batch

  • This option allows you to create, change or delete a regular ACH batch or ACH tax batch via Online Banking entry.


  • This option allows you to set up Cash Management users so they can access options of an original TIN (Tax Identification Number) account.
  • This feature allows you to chose what an employee has access to under your TIN.
  • Once the Cash Management user is set up, they will use a password and login to access those options.
  • You're able to set Transaction Limits and Risk Limits for each user.

ACH (Automatic Clearing House) Import

  • This option allows you to create a NACHA (National Automated Clearing House Association) formatted file and send it to Midwest Community Bank via Online Banking entry.

Fees for Cash Management Services:
One time set up fee of $25.00
Monthly Maintenance fee of $5.00
Per file fee is $2.00
Per item fee is $1.50
To see how banking online can benefit you, try our demo!


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