Mid America Bank
Quick Summary
- HSA savings account
The Verdict
Mid America Bank provides essential HSA features with zero monthly maintenance fees and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.
Our roots go back to the middle of America, quite literally. In 1997, a group of Kansans purchased the Esbon State Bank, located just miles from the geographic center of the United States. It was for this reason we changed our name to Mid America Bank. We moved our headquarters to Baldwin City, KS in 2001 but have maintained our middle-of-America values.
Since moving our headquarters we have added branches in Wellsville, Lawrence, Gardner, Palco, Eudora and coming soon to Norton. Through all of this growth we have maintained our deep community ties because we believe a bank is only as good as the community it serves. The banking world changes constantly but the importance of community does not.
Key Features
Banking & Access
Includes debit card and check-writing.
Investment Options
This provider focuses on cash savings without investment options.
Security & Insurance
Deposits are FDIC/NCUA insured for your protection.
Account Details
Requires $50 minimum balance. no account opening fees.
Fee Analysis
| Fee Type | This Provider | Industry Average | Verdict |
|---|---|---|---|
| Monthly Maintenance | $0.00 | $0.69 | EXCELLENT |
| Account Opening | $0.00 | $1.88 | EXCELLENT |
| Account Closing | $0.00 | $1.95 | EXCELLENT |
Industry averages calculated from 853 providers in the HSA Orbit database.
Investment Options
Savings-Only Account
Mid America Bank currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.
Interest Rates
Standard Rates
| Balance Range | APY |
|---|---|
| $0+ | 1.00% |
Last updated: 06-24-2025
Contact Information
Address
802 Ames St. Baldwin City, KS 66006 Customer Service Mailing Address Mid America Bank P.O. Box 4 Baldwin City, KS 66006
Customer Service
785-594-2100
802 Ames St. Baldwin City, KS 66006 Customer Service Mailing Address Mid America Bank P.O. Box 4 Baldwin City, KS 66006
At a Glance
Pros & Cons
The Good
- •No monthly maintenance fees
- •No account opening or closing fees
- •FDIC/NCUA insured deposits
The Bad
- •No investment options available
- •No online banking
User Sentiment
Based on community feedback
Sentiment data coming soon
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