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Programs, accommodations, and safe financial practices for our consumer, small business, and commercial clients.


The well-being and safety of our clients, colleagues, business partners, and communities is our top priority. To keep you informed, we have created this page to provide helpful information during these uncertain times.  

We recognize that some of our clients may need support in ways they have not needed in the past. For those experiencing financial hardship, we are offering financial services support. If you need to request a loan deferment or fee waiver due to COVID-19, please contact customer care at 800-322-3623. For general updates, please visit our COVID-19 response homepage.

We also recognize that many of our commercial clients will have a wide range of financial needs based on their individual circumstances. Please contact your Relationship Manager to discuss how we can help.

For Our Consumer Banking Clients

Government Stimulus Update March 11, 2021

The IRS has begun processing the next round of stimulus checks. Below are guidelines for what clients can expect based on how they previously received their stimulus checks. We encourage you to utilize First Midwest banking tools for checking your account deposits which are available 24 hours a day 7 days a week and include Online and Mobile Banking and Bankline Services.

Below are guidelines for what clients can expect based on how they previously received their stimulus checks:
  • Electronic deposit (ACH) of stimulus payments are expected to start posting to accounts on March 13, 2021 and will post as they are received from the government.
  • The IRS is expected to start mailing checks starting on March 29, 2021. Clients may deposit or cash their checks as soon as they receive them. We will honor all checks regardless of check date. Deposits can be made via:
  • Prepaid cards are expected to go out on April 5, 2021.

Clients can check the status of their payments by using the Get My Payment tool, available in English and Spanish only on The tool is being updated with new information, and the IRS anticipates the tool will be available in a few days for taxpayers.

For clients seeking additional information regarding the stimulus check, please visit

Financial Relief Options For Consumers

  • Consumer Loan and Mortgage Loan Payment Deferral Programs – If you find yourself facing financial difficulties due to sickness or a workplace closure from COVID-19, we have payment deferral programs for consumer borrowers and homeowners, with no credit bureau impact. For more information, please contact Customer Care at 1.800.322.3623.

Branch Lobby Safety Protocols

We have established procedures to keep clients and colleagues safe. As you plan to visit, please be mindful of the following:

  • Each branch has capacity protocols. If capacity has been met, we may ask you to wait before entering the branch.
  • Plexiglass shields and foot markers have been added to help ensure 6-foot social distancing.
  • Face coverings are required for colleagues and clients inside the branch lobby.

Access Our Convenient Banking Services

As a reminder, our free Online and Mobile banking provides you convenient and secure access to your finances 24/7. Access your First Midwest accounts online, or via our Mobile Banking App.1  

You can: 

  • Check account balances and account history  
  • Transfer funds between accounts 
  • Pay bills online  
  • Deposit checks with your mobile device 
  • Send money to people your trust with Zelle2  

For Consumers: learn more about Online and Mobile Banking

For Businesses: learn more about Online and Mobile Banking 

Support for Our Personal Banking Clients

For Our Small Business and Commercial Clients

Financial Relief and Support for Businesses

Click here to stay up to date on all the latest PPP Forgiveness information.

The SBA PPP funds have been exhausted and as such, we are no longer accepting new PPP loan applications.

  • Small Business Payment Deferral – If you find yourself facing financial difficulties due to sickness or a business closure from COVID-19, we have payment deferral programs for up to 90 days with no credit bureau impact.
  • SBA Economic Injury Disaster Loan Program – The U.S. Small Business Administration has released the details and application for the Economic Injury Disaster Loans for Coronavirus Related Economic Disruptions. If you are eligible and in-need, we encourage you to apply at no-cost and no-obligation. If you receive an offer, we strongly recommend discussing the terms with your Relationship Manager before accepting, to review all possible ramifications of the offer. Please review the summary and reference guide for details of the plan. There is no-cost and no obligation to apply. For more information, please call the SBA’s Customer Service Center at 800-659-2955 or email 
  • CARES Act and Paycheck Protection Program (PPP) – As a certified Small Business Administration (SBA) provider, First Midwest Bank will participate in and continue to monitor how the Coronavirus Aid, Relief, and Economic Security (CARES) Act will be administered, along with specifics on the Paycheck Protection Program (PPP), a new $349 billion Small Business Administration lending program with a 100% government guarantee through 12/31/2020. Click here for what we currently know. 
  • Click here to view the PPP Information Sheet for Borrowers from the U.S. Department of the Treasury.   
  • Click here to view a Small Business Guide and Checklist prepared by the U.S. Chamber of Commerce. 
  • Click here to view a Small Business Owner’s Guide to the CARES Act prepared by the U.S. Senate Committee on Small Business and Entrepreneurship. 
  • SBA Business Disaster Assistance Resources

We understand that now is a difficult time for businesses. We are here to help our clients achieve financial success and want to do all we can to help those in need. If you are experiencing challenges in paying your business credit card, please reach out directly to your Relationship Manager to discuss how we may be able to help. If you do not have an assigned Relationship Manager, please contact Treasury Management Client Services at 847-670-3080. 

Our usual routines and expectations have been disrupted. More than ever, your business success will be defined by your adaptability. Discover how you can learn on the go and adjust to this new world: 

Mitigating COVID -19 Business Fraud

We would like to remind you of the growing number of fraud-related schemes associated with coronavirus. We have compiled several in-depth articles on what to look for, how to prepare and how to recover from an attack: 

Tackling Coronavirus leaves many vulnerable to another virus: Cyberattacks  

Legal risks for business owners are changing every day. Here’s how you could be vulnerable over paid leave, cleaning supplies, and your work-from-home policy.

Banking Services to Help Your Business Navigate the Pandemic

As a valued business customer, you can eliminate unnecessary trips to the bank by leveraging our remote deposit and mobile deposit capabilities for your accounts receivables. 

For clients using our traditional Remote Capture Services, deposits may be transmitted up to 8pm CT for same-day processing. If you need additional equipment, or if you need to add more accounts or edit users, our Treasury Management Client Services team can be reached at 847-670-3080. 

If clients are using our Commercial Business Mobile App, deposits may be sent until 5pm CT for same-day processing. Our mobile app will allow you to make up to $20,000 in deposits per day. If you need a daily deposit limit greater than $20,000, please contact our Treasury Management Client Services team at 847-670-3080.

Learn more about our Mobile Banking app. Or download it now: 

Business Download: Apple® | Google Play | Amazon  Available On: iPhone®, iPad®, Android™ Smartphone, Android Tablet, Kindle Fire HDX 8.9"   

Many of our branch lobbies have started to reopen. Please click here to view full list. No appointment is required to visit these specific locations. Our drive-up services remain open in most branches. Please visit our locator page for branch locations and hours.

If you need to speak to a banker in person-we have three convenient ways to schedule an appointment. 

  1. Schedule an appointment online  
  2. Schedule within the Consumer Mobile App 
  3. Call Customer Care Center at 800-322-3623 

Business clients are encouraged to use the clearly labeled commercial tubes or deal drawers at our drive-up locations while our branch lobbies are closed. 

Please alert us of large cash deposits, so that the branch is prepared for your arrival. You can setup an appointment online or call 800-322-3623. Please contact your Relationship Manager first if you have an extremely large deposit.


All of our branches are open! If you would like to speak with a banker in person, you may request an appointment in advance. Or, you are welcome to visit during business hours. Click here to find a branch.

Request an Appointment Now

1 You must first be enrolled in Online Banking before you can enroll in Mobile Banking services. Message and data rates may apply.   
2 Zelle is intended for sending money to family, friends and people you are familiar with. We recommend that you not use Zelle to send money to anyone you don’t know.