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

Enjoy exclusive savings benefits and some of our best upgrades and rewards.1 Ideal for families.

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


Exclusive Rates and Rewards

  • Only $9.99 for your first box of checks; reorders just $14.99.5
  • Special rates on CDs
  • $150 Mortgage closing cost rebate2,6
  • Tiered interest7 – higher balances earn higher rates

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Monthly Fee and Relationship Benefits

$12 monthly fee is waived ($0) for clients who meet one of the following requirements:

  1. Each monthly statement period maintain a minimum of $1,000/month Direct Deposit
  2. Or, $2,500 minimum daily ledger balance in Checking.

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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.

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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 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 May be withdrawn at any time.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 3) 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 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. $25 credit may take up to 30 days to appear in account.
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.

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