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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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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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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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 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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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 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.

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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 CST on the payment transaction date.

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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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