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Cash & Checking Services:Checking Accounts
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Checking accounts that create value. Personal Banking/Cash & Checking Services

We understand that not everyone uses checking accounts the same way. That’s why we offer a variety of checking options designed to meet your individual cash management style. Whether you use a checking account to pay just a few bills each month or to manage all of your household finances on a daily basis, one fact remains the same: checking accounts are a convenient and economical way to meet short term cash flow needs. Use our Quick Cash Flow Calculator.

A quick look at our checking options shows how they truly cater to a broad range of cash management styles:

Simply Free Checking
Simply Free Checking is just what the name implies, a simple no-hassle approach to checking that offers unlimited checkwriting privileges with no monthly fee or minimum balance required. This account also includes a free First Midwest Gold Banking Card. Features & Benefit Comparisons   Apply Now

Classic Interest Checking
Classic Interest Checking provides complete checking services and pays interest on the funds in your account. It offers great value to people who write a lot of checks, prefer to carry a lower minimum balance and want to earn interest. This account also includes a free First Midwest Gold Banking Card. Features & Benefit Comparison   Apply Now

Total Advantage Checking
Our Total Advantage account offers a smart blend of convenience and value that includes a tiered rate structure which allows you to earn a higher rate of interest by keeping more money in your account. This account offers a "Paper" or "Plastic" option that allows you to customize the account features based on your preferences for checkwriting and debit/ATM card usage. This account is also packaged with great banking benefits including special rates on CDs. We'll waive the monthly maintenance fee if you maintain a $2,000 average daily balance in the account, or $10,000 in combined balances in any combination of savings, money market, checking accounts, CDs or IRAs at First Midwest. This account also includes a free First Midwest Gold Banking Card. Features & Benefit Comparison   Apply Now

Premier Performance Checking
Premier Performance Checking combines the best benefits of our checking accounts into one premium package and pays a higher rate of interest than a regular savings account or a typical checking with interest account. We'll waive the monthly maintenance fee if you maintain a $10,000 average daily balance in the account, or $50,000 in combined balances in any combination of savings, money market, checking accounts, CDs or IRAs at First Midwest. This account also includes a free First Midwest Platinum Banking Card. Features & Benefit Comparison   Apply Now

Checking Extras
First Midwest offers two value-added packages that can be added to any checking account for just $4 a month. Fees vary based on the type of checking account you have with us or your overall deposit balance relationship with us.

Value Plus
This package includes insurance protection, safety-related services, and discounts on travel expenses and selected purchases all for just $4 a month. This package is included free for our Premier Performance Checking clients.
Learn More

50+ Rewards
50+ Rewards is a loyalty program designed for people age 50 or better, who want to get more out of life. The program includes Bank benefits for just $4 a month. That fee can be avoided if you:
  • Have a checking account and maintain $10,000 in combined balances in any combination of savings, money market, checking accounts, CDs or IRAs at First Midwest.
  • Maintain a $2,000 average daily balance in a Total Advantage Checking account.*
  • Own a Premier Performance Checking account.
Learn More

*Total Advantage Checking clients will be charged $4 on any month that the average balance falls below $2,000. Refer to our Retail Account Agreement and Disclosure for complete details.

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