Ready Cash line of credit allows you to add extra purchasing power to your checking account. When it comes time to purchase a big-ticket item or to buy those last minute incidentals before a trip, you don’t need to worry about overdrawing your account or using high interest rate credit card to finance your purchases.

Ready Cash takes the uncertainty and limitations out of managing your checking account. It gives you the confidence that comes from knowing you always have extra cash ready when you want it. This added purchasing power, flexibility and security is the difference between simply maintaining a checking account and managing your funds to create added value in your life.

Ready Cash is a personal unsecured line of credit (subject to our normal credit approval process) that serves the dual purpose of acting as a safeguard against overdrafts while increasing your purchasing power. Access to Ready Cash is available by writing a check, using a First Midwest Banking Card or ATM card or by visiting any First Midwest Bank for an advance on your line of credit.

• Funds are automatically advanced in $100 increments into your account up to your approved credit limit once the available balance in your checking account has been depleted.
• Your account is automatically debited for monthly payments or can pay off the balance at any time.
• Ready Cash interest rates are lower than most credit cards.