First Midwest BankFirst Midwest Bank logoArrow DownIcon of an arrow pointing downwardsArrow LeftIcon of an arrow pointing to the leftArrow RightIcon of an arrow pointing to the rightArrow UpIcon of an arrow pointing upwardsBank IconIcon of a bank buildingCheck IconIcon of a bank checkCheckmark IconIcon of a checkmarkCredit-Card IconIcon of a credit-cardFunds IconIcon of hands holding a bag of moneyAlert IconIcon of an exclaimation markIdea IconIcon of a bright light bulbKey IconIcon of a keyLock IconIcon of a padlockMail IconIcon of an envelopeMobile Banking IconIcon of a mobile phone with a dollar sign in a speech bubbleMoney in Home IconIcon of a dollar sign inside of a housePhone IconIcon of a phone handsetPlanning IconIcon of a compassReload IconIcon of two arrows pointing head to tail in a circleSearch IconIcon of a magnifying glassFacebook IconIcon of the Facebook logoLinkedIn IconIcon of the LinkedIn LogoXX Symbol, typically used to close a menu
Skip to nav Skip to content


You work hard for your money and it deserves a safe home. But not everyone has the same needs and goals when it comes to cash management. That is why we offer four distinct checking options1 with different features and rewards.

  • Easy Checking

    Open Account

    Learn More

    1. Select “Open Combo” below and indicate if you’re a new or existing customer
    2. Navigate to your shopping cart, click “Add more”
    3. Select the accounts you want to bundle and follow the prompts
  • Midwest Checking

    Open Account

    Learn More

    1. Select “Open Combo” below and indicate if you’re a new or existing customer
    2. Navigate to your shopping cart, click “Add more”
    3. Select the accounts you want to bundle and follow the prompts
  • Diamond Checking

    Open Account

    Learn more

  • Student Checking

    Open Account

    Learn More

    1. Select “Get Pair” below and indicate if you’re a new or existing customer
    2. Navigate to your shopping cart, click “Add more”
    3. Select the Statement Savings account and follow the prompts

Checking Benefits With Every Account

All of our checking accounts1 include:

The First Midwest Bank Routing Number is 071901604. See it on a check. See our other account FAQs.  

A family eating together at the dinner table

Get Our Most Popular Combo

Open our most popular checking account, our lowest fee savings account, and a money market account all at once!

  1. Select “Get All 3 Now” below and indicate if you’re a new or existing customer
  2. Navigate to your shopping cart, click “Add more”
  3. Combine the following in your cart:
    • Easy Checking
    • Statement Savings
    • Money Market
Get All 3 Now


Ordering checks online is quick and easy!

Learn More


Add momentum to your banking routine with 24/7 access to your money with free online and mobile banking.

Learn More


We offer a variety of options to cover you in the event of an overdraft on your checking account.

Learn More

Our 5 Most Frequently Asked Account Questions

A: The First Midwest Bank routing number is 071901604.

A: Your account number is a ten-digit number along the bottom of your check. It is the second number, following our routing number. (See it on a check.)

You can also find your account number along the top of your statement, whether you have online or paper statements.

A: Check deposits made in-branch or at an ATM post to your account on the following business day.

Cash deposits made at a bank branch on Monday through Friday generally post that business day. The cutoff time varies depending on the closing hours of a given branch. In-branch cash deposits made on Saturday post the following business day; cash deposits made at a night depository typically post one hour after the branch’s next scheduled opening time Monday through Friday.

Cutoff times for other deposits to be credited on the same business day:

Transaction Type Cutoff Time (Central Time)
All First Midwest Bank ATM Locations Cash Deposits and Point of Sale (POS) Deposits* Monday – Friday: 6:00pm
Account Transfers** via Online Banking and Mobile Banking (including Zelle transfers) Monday – Friday: 8:00pm
Account Transfers via Bank-Line Monday – Friday: 8:00pm

Check Deposits via Mobile Banking

Monday – Friday: 5:00pm
Wire Transfers Monday – Friday: 5:00pm

Deposits after the cutoff time will post to the account on the following business day.

Please note: Cash deposits made at a First Midwest ATM after the cutoff time may reflect as available on your receipt and within Online Banking but will not be available to pay items posting on that business day.

“Pending” means we have received your deposit request, but it has not yet been fully processed.

*POS Deposits include certain merchant refunds and other incoming digital card transfers.

**External transfers (to or from a non-First Midwest Bank Account) may be subject to different cutoff times, which are disclosed to you in Online Banking or Mobile Banking, as applicable.

A: “MC” stands for “MasterCard authorization.” This means that a transaction has been approved for funds to be deducted from an account, using a First Midwest debit MasterCard®, but the transaction has not yet been fully processed.

A: Please visit our instructions for using Zelle. (Note: if you haven’t already, you will need to be enrolled in Online Banking and download the First Midwest Mobile App to use Zelle.)

Spending limits for Zelle are $400 per transaction, and $600 per day.

Curious about how peer-to-peer payments work? Learn more.

1 The minimum balance to open a checking Account is $100, except that a Student Checking Account requires a $25 minimum balance to open.
2 Subject to credit approval. Property insurance is required on loans secured by property. Cannot be combined with other rebates, discounts, or promotional offers on a single loan number. Rebate may take up to 120 days to appear in your account. Rebate may be subject to IRS tax reporting.
3 Additional fees will apply for duplicate checks.
4 Qualifying direct deposits are salary, pension, Social Security, or other regular monthly income electronically deposited to your Account by your employer or an outside agency. Transfers from one Account to another, or deposits made at a banking location or ATM, do not qualify as a direct deposit.
5 For balance levels (tier ranges), please refer to our Deposit Rate Sheet.
6 Upon request, monthly maintenance fee waived for the first six (6) analysis periods for a Statement Savings Account with an automatic savings transfer of $25 or more from the Midwest Checking Account.
7 Discount requires auto payment set-up from First Midwest checking account. Discount can be applied to largest Safe Deposit Box owned.
8 For each month there is an automatic savings transfer of $50 or more from your Diamond Checking Account to your Diamond Savings Account, the Diamond Savings Account’s monthly maintenance fee will be waived.
9 Private Banking clients are subject to certain minimum relationship standards. For more information, please contact a Private Banking Officer.

10 Old National Investments relationship requires a minimum of $25,000 in invested balances.
11 Securities offered through LPL Financial (LPL), broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Old National Bank and Old National Investments are not registered as a broker-dealer. Registered representatives of LPL offer products and services using Old National Investments, and may also be employees of Old National Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Old National Bank or Old National Investments. Securities and insurance offered through LPL or its affiliates are:

Not Insured by FDIC or Any Other Government Agency Not Bank Guaranteed Not Bank Deposits or Obligations May Lose Value

The site is designed for U.S. residents only, and the services offered within this site are available exclusively through our U.S. registered representatives. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all the investments and services mentioned are available in every state.

12 No ATM Transaction Fees for the first four (4) non-First Midwest Bank and/or non-Allpoint® ATM transactions (other ATM operators’ ATM fees may apply). A $3 ATM Transaction Fee will apply to each transaction exceeding four (4) per Analysis Period.
13 Includes Official Checks, Money Orders, Notary Services and Signature Guarantees.
14 Overdraft/Returned Item Fees will not be charged on this account. Student Checking Accounts are not eligible for Overdraft Protection, but may be eligible for other Overdraft protection services, including Custom Auto Transfer and Ready Cash Line of Credit, subject to credit approval. If you are not enrolled in Custom Auto Transfer or another Overdraft protection service, transactions that would result in Overdrafts will be declined or returned unless prohibited by Applicable Law. First Midwest reserves the right to close a Student Checking Account or convert the Account to another non-interest bearing checking Account if there are 10 or more Overdraft occurrences within a 12-month period.
15 No ATM Transaction Fees charged for debit Mastercard® transactions made at First Midwest Bank ATMs and Allpoint® ATMs. If you use an ATM from a different ATM operator, you may be charged a fee by the ATM operator and you may also be charged an ATM Transaction Fee by First Midwest.
16 Not available for Health Savings Accounts. Subject to credit approval. Property insurance is required on loans secured by a property. Cannot be combined with other rebates, discounts, or promotional offers on a single loan number. Discount requires auto payment set up from a First Midwest checking Account. Does not apply to Home Equity Lines of Credit, unsecured loans, Ready Cash, and Certificate of Deposit Secured Loans.
17 The person being referred: 1.) Must not have held a First Midwest Bank personal checking, savings, or money market account in the past 180 days 2.) Must open a personal checking, savings, or money market account with a minimum of $100 in a First Midwest branch, and 3.) Turn in the referral form at time of account opening. The person making the referral: This referral bonus offer is limited to existing personal First Midwest Checking, Savings, or Money Market account holders (Health Savings, Investor Reserve Savings, and IRA Money Market accounts do not qualify) and limited to one $25 award per referred address. Addresses used in previous Tell a Friend referrals are not eligible for this offer. Once referred family and or friend meets the criteria above, a $25 bonus will be issued as a credit to your account within 60 days. To obtain the bonus, both your and the referred account must be open and in good standing at the time of bonus processing. Promotional credit may be subject to IRS 1099-INT form reporting and may be considered taxable as interest income to you. Consult your tax advisor. Offer may be changed or withdrawn at any time without notice. May not be combined with any other offer. First Midwest colleagues are not eligible. You can receive up to 20 “Tell A Friend” referral bonus deposits (totaling $500) per calendar year.