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Step into your financial future. Visit us to learn more.

Find A Branch


We are certified participants in the Bank On program, which provides access to safe and affordable banking services.


This account has relaxed entry requirements and limited fees to promote access to banking services:

  • Low $25 account opening deposit
  • No monthly maintenance fee1
  • No overdraft fees2

Learn More

More About Foundation Checking

The Foundation Checking account is available to clients who complete a First Midwest Financial Education program or other approved financial program provided by a community organization.3

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Our Foundation Program may be the ideal solution:

  • If you’ve had difficulty maintaining a minimum account balance.
  • You’ve had past issues with your bank accounts.
  • You want to avoid check-cashing fees on your hard-earned money.

Connect with a Banker to get started!

Find a Branch

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Your friendly local banker can help you open a Foundation Checking account.

  • Low $25 account-opening deposit
  • No monthly maintenance fee1
  • No overdraft fees2
  • Account comes with a First Midwest Debit Mastercard®

Visit Us Today

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A Foundation Checking account makes accessing your money easy.

  • Online Banking with Bill Pay and eStatements
  • Mobile Banking,4 including Zelle®5
  • Surcharge free transactions at any First Midwest ATM and 55,000 Allpoint® ATMs worldwide

Start at a Local Branch

Checking Benefits With Every Account

All of our checking accounts include:

You have plans. We have ideas.

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In a few simple steps, you may be able to improve your credit score right now.

Get Our 7 Tips

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Financial education should start early. Learn how to teach your child to be smart with money.

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Don’t let a hot market stop you from finding your dream home. Get your finances ready today!

Learn How

1 Refer to the Retail Account Agreement for Terms and Conditions and General Fee Schedule that applies to all First Midwest Bank accounts.
2 Account allows you to spend what is available in the account. A transaction may get declined or returned if you do not have enough money in the account to cover the charge.
3 Or, be referred to First Midwest by a participating community partner who provided you with financial education.
4 Must be enrolled in Online Banking to use the app.
5 Zelle is intended for sending money to family, friends and people you familiar with. We recommend that you not use Zelle to send money to anyone you do not know.
6 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.