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A family of Midwest Checking customers enjoying a picnic and holding a happy baby
Midwest Checking

An account that combines quality service with the rewards you deserve.1

Open an Account Today

Midwest Checking

Perfect for the established or growing family, Midwest Checking is designed to help you enjoy exclusive savings benefits and some of our best upgrades and rewards.

As with each of our checking accounts options, you will receive:

Plus, with Midwest Checking, you will enjoy these upgrades and rewards:

  • Only $9.99 for your first box of checks, and reorders are just $14.995
  • Special rates on CDs
  • $150 Mortgage closing cost rebate2,6
  • Tiered interest7 – Higher balances earn higher rates

Monthly Fee or Relationship Benefit:

$12 OR $0 with one of the following: each monthly statement period maintain a minimum of $1,000/month Direct Deposit or $2,500 minimum daily ledger balance in Checking.

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

A Midwest Checking customer who is enjoying a cup of coffee in a restaurant

Get the Checking Account That Brings Momentum to You and Your Family

Midwest Checking combines free transactions at more than 55,000 Allpoint® ATMs, free Online and Mobile Banking, special CD rates, and tiered interest rates.7 Get the quality service you deserve with added rewards for those who continue to grow their First Midwest relationship.

Open an Account


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 Subject to credit approval. Property insurance is required on loans secured by property. Mortgage closing cost rebate and Home Equity Loan discount cannot be combined with other rebates, discounts or promotional offers on a single loan number.
3 Discount requires auto payment set-up from First Midwest checking account. Does not apply to Home Equity Lines of Credit.
4 Limited time offer. May be withdrawn at any time. May not be combined with any other offer. The person making the referral 1) must have a personal First Midwest Bank checking account (Health Savings Accounts do not qualify), 2) is limited to one $25 award per referred address and 3) award recipient is responsible for all applicable taxes. Addresses used in previous Tell a Friend referrals are not eligible for this offer. $25 may be subject to tax reporting. The person being referred 1) must deposit a minimum of $100 to open a personal checking, savings or money market account and 2) must not have held a First Midwest Bank personal checking, savings or money market account in the past 180 days. First Midwest Bank employees are not eligible to participate in this offer. $25 award will be credited to your checking account and may take up to 30 days to appear in your account details.
5 Applies to First Midwest Exclusive Wallet single style checks. Additional fees will apply for duplicate checks.
6 Rebate may take up to 120 days to appear in your account. Incentive may be subject to tax reporting.
7 For balance levels (tier ranges), please refer to our Deposit Rate Sheet.