Online Banking FAQ

As you've already discovered, Online Banking from First Midwest gives you more control and convenience over your banking than ever before – all in a secure environment.
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Frequently Asked Questions

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What types of accounts can I see in Online Banking?

At this time, you are able to see all deposit accounts (checking, savings, money market, and certificates of deposit), loan accounts, lines of credit, and Tuition Rewards.

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How long will my activity be available in Online Banking?

You can retrieve information for the past 30-45 days, depending on the date your account statement is generated. You will also accumulate 13 months of history once you begin using the system.

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Why do my deposit accounts show information as of today but my loans show the previous day's information?

Your deposit account information is current as of today. Your loan information only refreshes when there has been an update to the account (such as payment).

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Why don't all my deposits show in the "Deposit" section of the statement?

The deposit section of the statement is intended to show only the deposits you make at a teller window. All other deposits will appear in the ATM or Miscellaneous Debits/Credits section of your statement.

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What are the differences among the balances shown in Online Banking?

Your account's available balance represents those funds in your account available for immediate use in accordance with our Funds Availability Policy. When you make a deposit, your available balance will increase when the deposit becomes available for use. When items are debited from your account, the available balance will decrease. The current balance is the up-to-the-minute balance that includes your available balance and any pending transactions posted to your account. The current balance is updated throughout the course of the business day and includes funds not yet available for withdrawal un accordance with our Funds Availability Policy.

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When will my online transfers be processed?

While your funds transfer may be initiated today, the transaction will appear in your register after nightly processing. You should receive a message from the system indicating that your transfer has been successful, and your Available Balance will reflect the change in your balance the next time you log in to the system.

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What causes a "Login failed, retry." message?

It's possible that you entered your user name and/or password incorrectly. Your password is case-sensitive, so please verify that your Caps Lock button is not on and that you have entered your password correctly. If you are unable to access your Online Banking account, please call our support team at 877-203-6724.

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Can I change my password any time?

Yes, you can change your password at any time by clicking on "Customer Service" and selecting "Password" within Online Banking.

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Will my password expire?

Your password will not expire, but we encourage you to change it as often as you like so that it remains strong and secure.

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How can I reset my password?

If you cannot access Online Banking to reset your password, call our support team at 877-203-6724 to request a new password.

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Can I limit the amount of money that can be electronically withdrawn from an account?

Yes, you can change the default but cannot exceed the maximum limit that's been pre-established:

  • Maximum total scheduled per day - $50,000
  • Maximum total paid per day - $50,000
  • Maximum total amount paid per item - $9,999

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Can I transfer funds between all my deposit accounts?

Yes, you can transfer funds between your First Midwest deposit accounts. You can also set up external transfers (to and from accounts at banks other than First Midwest) by following the simple instructions within Online Banking.

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Can I transfer funds as many times as I want?

Although most deposit accounts have no limitations (e.g. checking accounts), savings and money market accounts - by Federal Regulation - are not allowed more than six preauthorized withdrawals or transfers per month. To authorize additional accounts, contact our Customer Care Center at 800-322-3623.

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Can I pay my First Midwest Bank loan with Online Banking.

You can use the bill payment function within Online Banking to pay your First Midwest loan, but you cannot execute an online transfer of funds to pay the loan.

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Can I see information on my business accounts in Online Banking?

Only personal banking accounts are visible within Online Banking.

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How does Bill Pay work?

Online Banking is a service that allows you to set up bill payments to businesses and individuals. Once you enter payment instructions, the request is submitted to Bill Payment Services at 8pm Monday through Friday. The following business day, your payment is sent electronically, or by check, and the funds are debited from your account.

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Can I use Bill Pay outside of the United States?

Yes, as long as your bank account is in the United States, Guam, Puerto Rico, or the U.S. Virgin Islands.

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Which accounts can I use to pay bills?

Checking and money market accounts are the only type of accounts that you can use to pay bills.

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How do I change a funding account?

If the funding account has pending payments, you should select a new funding account for the bill payments before changing the current funding account. You must have at least one account set up as the bill payment account in "Account Preferences" at any given time.

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How long is bill payment history kept?

Bill payment history is kept for a minimum of 90 days.

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Can I setup a payee in another country?

Online bill payments may only be made to a United States payee, which includes Guam, Puerto Rico, the U.S. Virgin Islands, and international military bases) in United States dollars.

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Do my payees need to know that I'm using online bill payment?

No, your payees do not need to do anything different to process online bill payments. Online Banking relies on the ACH electronic network, or a paper check, with your payment information clearly indicated.

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How do I add a payee/merchant/vendor?

Use the "Payee Search" function within Online Banking to find and add your new payee. If the payee is not listed, simply select "Manually Enter Payee" and enter the information required.

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How long does it take to setup a new payee in Online Banking?

Once your new payee is added to the system, you can use (or pay) the payee immediately.

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How do I know if my payments are send electronically or via paper check?

When you conduct a Payee Search, electronic payees are indicated by a message under the payee's name - "Provides ePayments" - indicating the your payee accepts electronic payments. If only the payee's name appears under Payee Name, only paper checks are accepted.

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Can I make multiple payments to the same payee on the same day?

Yes, you can make multiple payments to the same payee on the same day as long as the payment amounts are different. For your protection, the system will not pay duplicate items for the same payee on the same day.

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How do I change a payee's information?

To change any payee from the Payee Summary list, click the pencil icon under the "Edit" column to make the necessary changes. The only fields that can be changed include amount, account number, and payment status. For any other changes, delete the payee and re-add it with the correct information.

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How do I delete a payee?

Cancel all scheduled payments for the payee by accessing the "Pending Payments" screen and clicking the scissors icon under the "Edit" column. Then, select the payee you want to delete by clicking on the scissors icon.

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What does the payee receive from Online Banking?

Your payee will receive either an ACH or paper check payment. In either case, the payment is appended with the information that you provided such as your name, account number, and amount so the payee can properly credit your payment.

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When should I set up my payments so they're paid on time?

Minimum payment lead times will be provided based on whether the payee accepts electronic payment (designated by an "e" symbol) or paper check payment (designated by a paper check symbol). Payments to electronic payees should be scheduled a minimum of 3 days before the payment due date. Paper check payments should be scheduled a minimum of 5 days before the payment due date.

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Are there minimum and maximum payment amounts?

The minimum payment amount is $1.00, and the maximum single payment amount is $9,999.99.

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Are there payments that I can't make through Online Banking?

Payments cannot be made in foreign currency or to international payees. For payments to U.S. government agencies, Online Banking has limited ability to research any issues that may arise due to the government's strict adherence to the Consumer Privacy Act. Online Banking will not be responsible for any late fees or penalties that may be incurred by these types of payments.

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How far in advance can I schedule payments?

You can schedule a one-time payment up to 364 days in advance. Cut off time is 8pm Central. Payments entered after this time will be processed on the next business day.

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How often does the payment processor make payments?

Payments are processed Monday through Friday excluding holidays.

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Can I change a scheduled payment?

If the payment is still pending, changes can be made. However, once the payment has been transmitted, you can no longer make changes to or delete the payment.

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When can I cancel a payment?

You can cancel (or modify) your payment online at any time before 8pm Central on the payment transaction date.

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What date do I put in the "Transmit Date" field?

For a future dated payment, this should reflect the date that you want the payment to be transmitted. This is the date the payment is debited from your account for processing.

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Can I place a stop payment on an online bill payment?

If the payment has been processed and is a paper check payment that has not yet cleared, you can contact Customer Care at 800-322-3623 to make a stop payment request.

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What if my payee has not received my payment?

Contact our support team at 877-203-6724 for researching any payment issue.

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Can I get a copy of a canceled check?

Contact our support team at 877-203-6724 to request a copy of a canceled check.

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How does Online Banking security work?

Imagine sending a friend a letter. For us it’s as simple as dropping it in a mailbox for the carrier to pickup and deliver. Now imagine that instead of just dropping it into the mailbox, you put the letter through a shredder that only you have the key to and then into the mailbox. And instead of one carrier coming to pick up the letter, the post office sends 100 carriers to each take a piece of your letter. They each go on their own route through all sorts of neighborhoods to your friend’s house. Once there, your friend takes this pile of incomprehensible paper, puts it through a reverse shredder to which only he has a key, and out comes your letter, safe and sound.

If we sent information through the traditional manner of one letter, one carrier and one route, it would be easy for a criminal to find the truck carrying your letter and pick it out. So we use the 100 carrier method, otherwise known as RSA public-key cryptography. It’s become a standard on the Internet wherever private or sensitive information is concerned. The government uses it, the financial industry uses it, and now, so can you.

Security has always been a top priority. We will ensure that by adopting new technologies only after they’ve passed our unchanging business principles of confidentiality, flexibility, commitment and stability. To have it any other way would not only endanger your finances, but in turn, our reputation, and that is never good for business.

A few security smart tips:

  • Use the latest version of any browser that supports Secure Sockets Layer (SSL) protocol with 128-bit encryption.
  • Keep your password confidential. Change it frequently to ensure that no one else can guess it, and do not let anyone else use it.
  • Never walk away from your computer without exiting Online Banking first. When you are finished with your banking, click the "Sign Out" link in the top-right corner of the screen and close your browser.
  • If you are using a high-speed Internet connect like Cable or DSL, it's a good idea to use a personal firewall.

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How can I use Quicken?

You can download data from Online Banking to Quicken by selecting "QIF format" from the "Download Activity" screen from the Accounts menu.

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Why does my other bank connect directly with Quicken?

Other banks may participate in Quicken Direct Connect or Web Connect. First Midwest does not currently offer this service.

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Can I use Microsoft Money to download/upload information from/to Online Banking?

You can use Microsoft Money to download from Online Banking using the same format (QIF) as Quicken; however, you can't upload categories to Online Banking because Microsoft Money uses different field placements in the QIF format. Like Quicken, Online Banking does not offer Direct Connect or Web Connect for Microsoft Money.

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What kind of computer equipment do I need?

You need a computer (either PC or Mac), Internet access, and a browser that supports SSL, 128-bit encryption.

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Can a Mac access Online Banking?

Yes, Mac users can use Online Banking as long as a browser that supports SSL with 128-bit encryption is used.

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Can I use "Pocket IE" on a Windows CE system?

Yes, to access Online Banking via Microsoft Pocket Internet Explorer on a Windows CD system such as a Palm PC, you must disable the cache on Pocket IE.

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What does the message "Server is busy or is not responding." mean?

Check the location box and make sure the Web address was entered properly. Sometimes you will receive this message when the server is busy. Try a second time to connect, and the connection usually goes through. If, after three attempts, you are unable to connect to Online Banking, contact our support team at 877-203-6724.

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While trying to go back to a previous page, the system takes me to the log in page. Why?

Sometimes using your browser's back button will cause you to be logged out of Online Banking. For security reasons, some pages are automatically expired so that you cannot return to them. By using the navigation toolbar found at the top of most Online Banking pages, rather than the browser's navigation buttons, you should not encounter this problem.

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How can I tell if I have a secure connection to Online Banking?

The visual indicators of a secured connection vary among the browsers available. Some show a lock icon in the bottom-left corner and in the toolbar at the top of the browser window. Questions regarding your browser should be directed to the browser developer (e.g. Microsoft, Google, Mozilla, Apple, etc.), but our support team (877-203-6724) will always do their best to troubleshoot any issues you have.

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Customer Care

Got questions? Get answers.

Call us at 800-322-3623.

  • Monday – Friday: 7am – 7pm
  • Saturday: 8am – 5pm
  • Sunday: 9am – 2pm

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