1 /5 Jana Campbell: This bank, namely D E B R A H Mc L augh lin, discriminates against children wanting to have accounts. They then lower the entire familys daily limits just as retribution for a complaint being made. D made several odd comments about whether the parent is "sure they want to do this" and "I dont think this is a good idea". Im not sure if the woman is having some type of mental crisis or not but my children have had savings accounts since they were tiny and checking accounts since they started working at 12 years old. First Mid Illinois Bank and Trust does not invade the parenting of its members and have the nicest staff.