The First Midwest Gold Banking Card is probably the best friend your checking account has ever had. That’s because it’s really three cards in one. From access to cash at thousands of ATMs, to the convenience of Point-of-Sale transactions, and the ability to use your card everywhere that welcomes MasterCard^® debit cards, no card is more flexible. It lets you access and use the money in your checking account in more ways and more places that ever before. Best of all, using your Gold Banking Card will feel very familiar. It’s just like writing a check or visiting an ATM - only much easier. And, all of your transactions are viewable online in addition to being listed on your monthly statement.

1.  It’s a Gold Debit MasterCard^®.
Pay for your next purchase faster than you can say, "do you take checks?" when you use your Gold Banking Card as a Debit MasterCard^®. Your Gold Banking Card is accepted for purchases everywhere MasterCard^® debit cards are welcome - around the corner and around the world. You’ll be asked to sign a receipt like a charge card purchase, but the money will come right out of your checking account, just like writing a check.

Because your Banking Card is a Gold Debit MasterCard^® you’ll receive these valuable benefits absolutely free, every time you use the card:

• Purchase Assurance^® - most new purchases are covered against theft or damage for a full 90 days from the date of purchase.
• Extended Warranty - your manufacturer or store-brand warranty may be doubled, extending the life of your purchase.
• Identity Fraud Insurance - if you are a victim of identity theft, you may be eligible for expense reimbursement.
• Zero Liability* - protects you from unauthorized use if your card is lost or stolen.
• MasterCard^® SecureCode™ - special protection for when you shop online (learn more).
• Exclusive Discounts - from fine retailers, service providers, and resorts available at mastercard.com.

Plus these important travel-related benefits, free of charge:

• MasterCard^® Global Services - you’ll have access to 24-hour assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advances when calling from more than 70 countries.
• Worldwide Automatic Travel Accident Insurance - you, your spouse, and your dependent children may be covered for up to $100,000 when traveling.
• MasterCard^® Travel Assistance Services - includes MasterTrip^® travel planning, Travel Medical Assistance, and MasterLegal^® Referral Service.
• Master RoadAssist^® - if your car breaks down or requires emergency service, there’s no need to worry. You’re protected no matter where you drive within the United States.
• Many more including – Lost/damaged luggage insurance, hotel/motel burglary insurance, and MasterRental^® auto insurance.

2.  It’s a Point-of-Sale shopping card
Need to pick something up at the store and swing by the ATM to get some cash? No problem. Now you can do both things at once when you use your Gold Banking Card as a Point-of-Sale shopping card. It’s available anywhere you see a MasterCard^®, STAR^®, NYCE^®, CIRRUS^®, or SHAZAM^® logo at the register. Simply select the "debit" option, swipe your card, enter your Personal Identification Number (PIN) and get cash back with your purchase. Nothing could be easier.

3.  It’s an ATM card.
Use your Gold Banking Card at your favorite ATMs just like you do with an ATM card*. You can perform many types of ATM functions including: withdrawals, deposits, inquiries, and transfers (between checking and savings accounts). Plus, you can even make a payment on your First Midwest loan.

*Zero Liability protection applies to purchase transactions made without the use of a PIN number. It does not cover PIN-based purchases or ATM transactions. When using ATMs not owned by First Midwest Bank, certain fees may apply. Please refer to our Retail Account Agreement and Disclosure for complete details.