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Easy Checking

An account with all the features you need, plus our most popular upgrades and rewards.1

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The First Midwest Bank Routing Number is 071901604. See it on a check.


  • $5.00 off first order of single style First Midwest Exclusive Wallet Checks4
  • $150 Mortgage closing cost rebate5

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$8.99 monthly fee is waived ($0) for clients who meet one of the following requirements:

  1. Qualifying deposits6 of $100 or more per Analysis Period are made into the Account, OR
  2. Maintain an Average Daily Balance of $100, OR
  3. Upon request if the Account owner is at least 65 years old

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Not the right account for you? View our other checking account options.


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The Easiest Way to Bring Momentum to Your Money

Our Easy Checking account provides free transactions at more than 55,000 Allpoint® ATMs worldwide,2 online banking, and mobile banking with bill pay. When you are looking for the best basic checking account, Easy Checking is the answer.

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Ordering checks online is quick and easy!

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

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

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1 Online account opening is available to residents of Illinois, Indiana, Iowa, and Wisconsin. $100 minimum deposit required to open an account.
2 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.
3 Discount requires auto payment set-up from First Midwest checking account. Does not apply to Home Equity Lines of Credit. Health Savings Accounts are not eligible for the 0.25% Auto and Home Equity loan autopay discount.
4 Applies to First Midwest Exclusive Wallet single style checks. Additional fees will apply for duplicate checks.
5 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.
6 Qualifying deposits are any client-initiated deposit into the Account including direct deposit of salary, pension, Social Security, or other regular monthly income deposits to your Account by your employer, another outside agency or yourself. Transfers from another First Midwest Account into the Easy Checking Account also qualify. All qualifying deposits are aggregated to reach $100 within an Analysis Period.

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