MidCountry Bank on Your Credit Report
In short: With $1.1 billion in total assets reported on its 06/30/2026 call report and 16 FDIC-reported offices, MidCountry Bank is a state-chartered savings bank supervised by the FDIC and its state regulator based in Minneapolis, MN. It has held FDIC certificate 28865 on a charter now 93 years old. Where MidCountry Bank reports an account it does so as the original creditor and furnisher, so FCRA §623 — not the FDCPA validation rules that apply to collectors — is the governing accuracy standard. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who MidCountry Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Chartered January 1, 1933 and insured under FDIC certificate 28865, MidCountry Bank reported $1.1 billion in total assets and 16 FDIC-reported offices on its 06/30/2026 call report. That is about $67 million per reported office across its MN footprint.
How MidCountry Bank appears on your credit report
MidCountry Bank runs 16 FDIC-reported offices against $1.1 billion in assets, a branch-dense retail profile. Accounts at this kind of bank are typically opened and serviced in person, which means the supporting paperwork — signature cards, payment receipts, deferment agreements — usually exists locally. Requesting the specific document that contradicts the tradeline is often more effective than a general assertion of disagreement.
Names it may report under
Products that commonly show up
- ◆Credit cards issued under the MidCountry Bank name through an agent-bank programme
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Home-equity lines and mortgage accounts serviced under the MidCountry Bank name
Grounds to dispute a MidCountry Bank entry
Each of these is a reason a MidCountry Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Paid-off MidCountry Bank installment loan still showing a balance after the final payment cleared
- ◆Payment posted at a MidCountry Bank office in Minneapolis but reported late because of a processing-date mismatch
- ◆Escrow shortage treated as a missed payment on a MidCountry Bank-serviced mortgage
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
MidCountry Bank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, MidCountry Bank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send MidCountry Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
MidCountry Bank questions, answered
Is MidCountry Bank FDIC-insured, and what is its certificate number?
Yes. MidCountry Bank holds FDIC certificate 28865. The FDIC record shows a charter established January 1, 1933, headquarters in Minneapolis, MN, and 16 FDIC-reported offices with $1.1 billion in total assets as of the 06/30/2026 call report. It is a state-chartered savings bank supervised by the FDIC and its state regulator.
Who regulates MidCountry Bank, and where do I escalate if a dispute fails?
MidCountry Bank is a savings institution rather than a commercial bank. That distinction affects which federal agency supervises it and what its lending mix usually looks like — savings charters are historically weighted toward residential mortgage lending, so a MidCountry Bank tradeline is more likely to be a mortgage or home-equity account than a card. Mortgage servicing errors have their own rules under RESPA and Regulation X in addition to the FCRA, which can give you a second route when the problem is escrow or payment application.
How old is the MidCountry Bank charter, and why does that matter for my credit report?
MidCountry Bank was chartered in 1933, before or around the creation of federal deposit insurance in 1933. Institutions of this vintage have usually absorbed other banks along the way, which matters on a credit report because an account can still carry a predecessor's name in the furnisher field. If the name on the tradeline does not match the bank you deal with today, that is worth clarifying in writing before disputing the substance.
How big is MidCountry Bank, and what does that mean for disputing an account?
MidCountry Bank reports $1.1 billion across 16 FDIC-reported offices — roughly $67 million per office, a retail-weighted profile. Bear in mind the FDIC's office count includes every reported location, not only retail branches, so this is a measure of reported footprint rather than a count of storefronts. In practice it means consumer accounts are likely serviced locally and the underlying paperwork can usually be retrieved from the originating office.
How do I dispute a MidCountry Bank account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with MidCountry Bank as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what MidCountry Bank can verify, and results vary from case to case.
Does MN law change anything about a MidCountry Bank account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. MidCountry Bank being headquartered in Minneapolis, MN does not make MN law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a MidCountry Bank account stay on my credit report?
Generally up to seven years from the date of first delinquency on that MidCountry Bank account — the original missed payment that was never brought current — not seven years from when it was charged off, sold, or last updated. Transferring the account to another servicer does not restart it either. If MidCountry Bank or a later owner has moved that date forward, the re-aging is itself an FCRA inaccuracy and is worth disputing on its own, separately from whether you owe the balance.
Does MidCountry Bank appear in the CFPB complaint database?
We do not publish a complaint figure for MidCountry Bank. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 28865, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with MidCountry Bank and disputing with a collection agency?
MidCountry Bank is the original creditor — the furnisher whose name was on the account when it was opened — while a collection agency is a third party that bought or was assigned it later. That changes your tools. Against a collector, FDCPA §809 lets you demand validation within 30 days of first contact. That right does not apply to MidCountry Bank; against an original creditor your leverage is the FCRA §623 accuracy duty. Different deadlines, different evidence — so check which party is actually listed as furnishing the account before you write, because sending the wrong letter to the wrong party wastes the clock.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by MidCountry Bank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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