Life Happens® Checking
We understand that Life Happens — unexpected expenses, job losses, family emergencies — and when it does, we’re here to help you get on the path to financial security.
Our Life Happens® Checking helps customers who are trying to establish or rebuild their financial history by offering an FDIC-insured checking account designed to help you manage your money with powerful technology and limited fees.
Helping our neighbors dream big since 1906.
The St. Louis region has been Midwest BankCentre’s home for over 100 years. We keep deposits in the community to build local businesses and families and invest capital profitably across our entire region. Our purpose is to help our neighbors thrive so we all RISE TOGETHER.
Midwest BankCentre’s Life Happens® product suite was built to give the most people a shot at winning. We believe everyone should have access to reasonably priced capital, even those with less-than-ideal credit. We believe in lending a helping hand up, because we know that Life Happens to all of us.
Banking for Real Life
Our Life Happens® products were designed for life’s ups and downs to give more opportunities to more people.
Personalized Solutions
Everyone’s situation is different. We get to know yours to help you meet your goals.
Products That Lift You Up
Our Life Happens products help those with unexpected expenses or less than ideal credit.
Pathway to “Yes”
We help you get to “yes,” meeting you where you are to help you get where you want to be.
Affordable Loans for Every Need
With payday alternative loans, mortgages, home equity, auto loans, business loans and more.
Accessible Financial Resources
Online banking, including free financial courses, and branch locations in your neighborhood.
Bank on certified
Committed to Serving Unbanked & Underbanked Communities
FAQs
Life doesn’t always go as planned, and we understand that. In this FAQ section, we’ve answered the most common questions to help you understand how these accounts work, eligibility requirements, and the benefits they offer. If you can’t find the answer you’re looking for, one of our financial advisors will be happy to assist.
Is there a branch location near my home?
Midwest BankCentre has 16 branches across the St. Louis region, a Business Production Office in Kansas City, Missouri, and an office in Illinois. Find your nearest location.
I’m not qualifying for loans with other banks. Can you help?
Let’s talk. We offer loans for many different financial needs with flexible terms and conditions. We work hard to help you get to YES.
Is there a minimum balance required for a Life Happens® checking account?
No, there is no minimum balance requirement, but a minimum of $25 is needed to open the account.
My financial history isn’t great. I’ve suffered losses and have significant debt. How can I get ahead?
We believe that everyone deserves access to reasonably priced capital and the opportunity to dream big. Our Life Happens® product suite is designed to help those who’ve been impacted by losses, events or disasters, and those with less than ideal or no credit history. Give us a call. We can help you get on the path to financial security.
Life happens. We can help.
Join the 50,000+ local individuals and families who’ve chosen to trust us with their banking needs. When Life Happens, we’re here to help.