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LOAN PAYMENT CENTER FAQS

We answer your most common questions about our Loan Payment Center.

QUESTIONS ABOUT THE LOAN PAYMENT CENTER

Q. What is the First Midwest Loan Payment Center?

A: The Loan Payment Center enables you to make a one-time payment or automatic recurring loan payments from any checking or savings account.

Q: Are there fees when using the Loan Payment Center?

A: No, making payments through the Loan Payment Center is free.

Q: How do I sign up for the Loan Payment Center?

A: There are 4 steps:

  1. Click “Sign Up” on the top right of the login page.
  2. Enter your loan account number and the zip code associated with the loan. Be sure to EXCLUDE any leading zeros when you enter your account number (for example if the account number is 0000234, please enter 234 as your account number) and any numbers following a dash (for example, exclude “-00001”).
  3. Create a User ID.
  4. Create a password. The new password must have 8-16 characters (case sensitive), at least one letter and one number, no more than seven numbers and no more than two consecutive identical characters. The special characters #, $, and @ are permitted, but not required. The password cannot match the User ID.

Once you are logged in, you can add payment methods and additional First Midwest loan accounts.

Q: Why does my full name appear in the “First Name” field when I sign up for the Loan Payment Center?

A: Due to behind-the-scenes data formatting, sometimes your full name can appear in the “First Name” field. This data issue will not interfere with your ability to make your loan payments. Simply delete any incorrect information during your enrollment, and fill in the “First Name,” “Middle initial” (optional), and “Last Name” fields correctly. If you are already enrolled, you can edit your information under the “Profile” tab.  

Q: I forgot my password. What do I do?

A: Click the “Forgot Your Password” link on the log in screen. Confirm your identity by entering your User ID and account number or email address. Answer the “Hint Question” to change your password.

The new password must be between 8 and 16 characters and have at least one letter and one number. The special characters #, $, and @ are permitted, but not required. The password cannot match the User ID.

Q: I forgot my Hint Question to reset my password. What do I do?

A: Please call Customer Care at 877-203-6724. Be prepared to provide your account number and answer other identity verification questions. Once your identity is validated, we can confirm your User ID and provide a temporary password. You will be asked to establish a new hint question during your next log in.

Q: I forgot my User ID. What do I do?

A: Click the “Forgot Your User ID” link on the login screen. Confirm your identity by entering your account number and email address. Click “Submit” and your User ID will be sent to the email address on file.

If your account number and email address don’t match in our records, your account number will blank out on the “Forgot User ID” page and you can try again. If you are not able to retrieve your User ID, call First Midwest Support for assistance at 877-203-6724 (Mon-Fri 8 am - 5:30 pm, and Sat 8 am - 1 pm CT).

Q: When setting up a payment method, where do I find the routing number and my checking account number?

A: You can typically find your institution’s routing number on their website. You can find your account number on your statement, or when you login to your account online.

If you use checks, your financial institution’s routing number is on the bottom left. Your checking account number is typically to the right of the routing number.

Q: Can I save more than one payment method?

A: Yes. Once logged in, click “Profile” and choose “Methods of Payment” on the menu to add a new checking or savings account or to modify an existing account.

Q: Are payments processed immediately?

A: You decide whether your payment is processed immediately or on a future date you select.

Q: Can I set up recurring payments?

A: Yes!  Just follow these steps:

  1. Once logged in, select “Payments.”
  2. Select “Automatic Payments” from the Payments menu.
  3. Click “Add Automatic Payment Rule.”
  4. Follow the prompts to enter your payment information, payment method, activation date, and payment date.
  5. Click “Submit.”
Q: How do I stop a scheduled or recurring payment?

A: In the Loan Payment Center, scheduled or recurring payments are created by adding automatic payment rules.

To stop a single scheduled payment, navigate to the “Payments” tab, select “Payment Activity,” and identify the payment you want to stop. If it is in “Scheduled” status, click the “Cancel” button to stop that particular payment. If the payment is scheduled for today, and it’s before 5PM, please contact us at 877-203-6724 to request the payment cancellation.

To stop or edit a recurring payment schedule, navigate to the “Payments” tab, select “Automatic Payment Rules” and identify the automatic payment rule that you want to stop. Then select “Delete auto pay rule” or “View/update auto pay rule” under the “Actions” column.

Q: Why can’t I cancel a payment that is in “Submitted” status?

A: “Submitted” status indicates that the payment is already in-process electronically (via ACH). It can only be cancelled on the same day before 5pm, by a First Midwest Support representative. Call 877-203-6724 for assistance (Mon-Fri 8 am - 5:30 pm, and Sat 8 am - 1 pm CT).

Q: How secure is the Loan Payment Center?

A: Our Loan Payment Center is a safe way to make payments. We use SSL and TLS encryption, which ensures that your connection and transmission of your information are secure. We enforce 128-bit encryption security levels for users and require that all users have browsers that are capable of 128-bit encryption or greater.

Q: Why is “Due date” blank?

A: Always check your monthly loan statement for your loan payment due date.  The Loan Payment Center will not always display a due date — but that date can always be found on your monthly loan statement.

Q: Why can’t I find Just Pay It?

A: Our new Loan Payment Center is an upgrade to Just Pay It. All the capabilities of Just Pay It are available in the Loan Payment Center. Plus, the Loan Payment Center features additional capabilities, such as:

  • Set up recurring payments for peace of mind and security
  • Make principal payments to reduce your debt
  • Manage your payments all in one place

If you haven’t used the Loan Payment Center yet, get started today.

Q: How do I view my electronic loan statement?

A: Electronic statements for your loan account are available via Online Banking. If you’re not already an Online Banking user, enroll today.

Q: How do I find my current loan balance, payoff amount, etc?

A: Loan balance, payoff amount, and other loan details are available via Online Banking. If you’re not already an Online Banking user, enroll today.

Q: I have a First Midwest deposit account. How do I use it to pay my loan?

A: You can use either Online Banking or the Loan Payment Center to make a loan payment from your First Midwest deposit account. Enrollment is required for either option.

To pay via funds transfer in Online Banking, set up a recurring payment via transfer, or manage your payments via transfer, visit our funds transfer instructions.

To pay via the Loan Payment Center, set up a recurring payment, or manage your payments, visit our Loan Payment Center instructions.

Q: I don’t have a First Midwest deposit account. How do I pay my loan from another bank account?

A: Use the Loan Payment Center. You can make a loan payment from any checking or savings account, including non-First Midwest accounts.

Q: Can I use the First Midwest Mobile Banking app to make a loan payment?

A: Yes, you can use the Mobile Banking app to make one-time loan payments via funds transfer, as well as to view loan balances.

To set up a recurring payment, you can use our mobile-friendly Loan Payment Center.

To set up recurring payments via transfer and view electronic statements, you can use Online Banking.