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Student Checking is perfect for students age 16 – 23, giving you the basic features you need in a checking account – plus the upgrades and rewards you want – with no monthly fee1. Students under the age of 18 must have a parent or adult listed on the account as a joint owner2.

Parents can also have peace of mind knowing that overdrafts and spending can be managed to keep their students on the right path to a healthy financial future.

Student Checking

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All of our checking accounts include:

Upgrades and Rewards

Enjoy peace of mind with:

  • The Student Checking SpendSafe Promise
    Use your debit card and checks with confidence that if your Student Checking account accidentally goes negative or if we return a check unpaid, there is never a fee.

Plus, managing your student's spending is made easier with:

  • Adjustable Debit Card Limits to set the daily number of transactions and total dollar limit for ATM withdrawals and debit card purchases
  • Free Parent Transfers to add money into your student's account without being a signer on the account
Open a Student Checking Account

*Offer is available to residents of Illinois, Indiana, Iowa, and Wisconsin. Offer is available for a limited time and may be withdrawn at any time without notice. Offer not available to existing First Midwest Bank checking clients or those clients whose accounts have closed within the last 90 days or closed with a negative balance. Health Savings Accounts (HSAs) are not included in this offer. Open a new First Midwest Bank consumer checking account (subject to approval) and do one of the following to get $50 or do all three to get $150: activate a monthly qualifying Direct Deposit of at least $500; use Debit Card linked to new checking for at least 5 purchases totaling at least $250, use Online Banking or Mobile Banking to make at least five bill payments totaling at least $250. Direct Deposit activation, Debit Card usage, and Online and/or Mobile payments must be completed within 60 days of account opening. Qualifying Debit transaction cannot be completed consecutively at the same terminal within less than a 24-hour period or via transfer to a prepaid debit card or other payments service. Incentive will be awarded within 90 days of account opening. A qualifying Direct Deposit includes salary, pension, Social Security, or other regular monthly income electronically deposited to account by employer or an outside agency. Transfers from one account to another, or deposits made at a banking location or ATM do not qualify. Minimum opening deposit of $100 required. Primary account holders are eligible for one checking incentive per calendar year. Incentive is considered interest and will be reported on IRS Form 1099-INT. If account is closed within six months of opening, we will deduct the incentive from balance at closing. This offer cannot be combined with any other offer(s).

1$25 minimum balance required to open a checking account.

2Once the student turns 18 years of age, the parent or adult joint owner may be removed from the account by closing the account and opening a new account.

3First Midwest exclusive style checks

4Discounts require auto payment set up from a First Midwest checking account.

5Subject to credit approval.

Customer Care

Have questions? Get answers.

Call us at 800-322-3623.

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

Find the Nearest Branch

Student Checking | Open Now

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