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A Student Checking customer who is working in a university library with books and a laptop
Student Checking

An account exclusively for students between 13 and 23 years of age.1

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


Pair your new Student Checking account with:

Add a savings account today!
Connect with your local banker to open the accounts in this exclusive package.

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  • No monthly maintenance fee
  • Students between 13 and 23 years old are eligible for this account1
  • Students under 18 must have a parent or adult listed as a joint owner.4
  • Parents can have peace of mind knowing that overdrafts and spending can be managed to keep their students on the right path to a healthy financial future.
  • $5.00 off your first order of single style First Midwest Exclusive Wallet Checks5

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We understand students have a lot going on and monitoring a checking account balance might not be top of the list. The SpendSafe Promise provides peace of mind for students and parents by eliminating First Midwest Bank fees if your Student Checking account accidentally goes negative or if we return a check unpaid.6

Plus, for parents, managing your student’s spending is made easier with:

  • Adjustable debit card limits to set the daily number of transactions and total dollar limit for ATM withdrawals and debit card purchases.
  • Free Parent transfers to add money into your student’s account without having to be listed as a co-signer.7

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


A young male student with a Student Checking account is walking with a backpack and books

A Smart and Convenient Choice for Today’s Independent Students

All Student Checking accounts include online and mobile banking, and free transactions at any First Midwest ATM2 and more than 55,000 Allpoint® ATMs worldwide. Plus, you'll pay no monthly maintenance fee.

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Pay with Your Phone

Add your First Midwest Bank debit card to any one of our digital wallet options and pay right from your phone.

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Send Money To People You Trust

Securely send money to the people you trust from anywhere.

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Fund your savings while establishing a credit relationship with First Midwest’s unique Believer Loan.

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1 Online account opening is available to residents of Illinois, Indiana, Iowa, and Wisconsin. $25 minimum deposit required to open an account. Student Checking eligibility is limited to students between the ages of 13-23. A valid Student ID or current school registration must be provided at Account opening. Minor students (under 18 years old) must have a parent or adult listed on the Account as a joint owner. Once the student turns 18, the parent or adult joint owner may be removed from the Account by closing the Account and opening a new Account. After you turn 24 years old, we may, in our discretion, convert the Student Checking Account to another non-interest-bearing checking 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 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 in 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 Certificates of Deposit Secured Loans.
4 Once the student turns 18 year of age, the parent or adult joint owner may be removed from the account by closing the account and opening a new account.
5 Additional fees will apply for duplicate checks.
6 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.
7 Students older than 18 with sole ownership of their Student Checking Account may request to allow a parent or adult to make transfers into the Account. The student must sign a Student Checking Maintenance Form designating the name and other identifying information of the parent or adult the student wishes to have transfer capability.

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