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Compare Our Checking Accounts

Our checking accounts reward your banking relationship and give you the momentum you need. We also have Student Checking, exclusively available to students ages 16 – 23.

Take the guesswork out of choosing your new account with CheXpert! Try it now.

View Retail Account Agreement and Addendum


	See Details	See Details	See Details

Open My Checking Account¹	Open Now	Open Now	Open Now

Student Edition	—	—

Free ATM Transactions Access to over 55,000 free Allpoint ATMs worldwide

Free Debit MasterCard^® World Debit MasterCard		—	—
Standard Debit MasterCard	—

Free Checks²		$9.99 first box	$14.99 first box

Free Online Banking

Free Mobile Banking

Call Center Priority		—	—

Borrowing Benefits Mortgage Closing Cost Rebate^3,4	$250	$150	—
Auto & Home Equity Loan Discount^4,5	0.25%	0.25%	0.25%

Saving Benefits High Rate Diamond Savings & Money Market¹		—	—
Statement Savings¹		6 mo. discount⁶
Special CD Rates			—

Tuition Rewards 500 Enrollment Bonus Points			—

Tell a Friend⁷ $25 Checking Referral Bonus

Free Telephone Banking

Extras 4 Free non-First Midwest ATM transactions⁸		—	—
Safe Deposit Box Discount⁵	50% off	20% off	—
Free Teller Services⁹		—	—

Overdraft Options

Tiered Interest			—

Open My Checking Account	Open Now	Open Now	Open Now

Relationship Benefits and Monthly Fees Diamond Checking: Maintain a Mortgage, Home Equity Loan/Line, First Midwest Financial Network,^10,11Personal Trust, or Private Banking relationship, or $25,000 combined average daily balance in Checking, Savings, Money Market, and/or CDs OR $20. Midwest Checking: Maintain a minimum of $1,000 per month in Direct Deposit or a $2,500 minimum daily balance in the account OR $12. Simply Free Checking: No monthly fee.

¹Online account opening is available to residents of Illinois, Indiana, Iowa and Wisconsin. $100 minimum deposit required to open an account.

²First Midwest exclusive styles (reorders: free for Diamond; $14.99 for Midwest; $19.99 for Simply Free).

³Requires a recurring direct deposit of $500 or more into a First Midwest Diamond or Midwest checking account. Rebate may take up to 90 days to appear in your account. Incentive may be subject to IRS tax reporting.

⁴Subject to credit approval. Property insurance is required on loans secured by real estate. Mortgage Closing Cost Rebate and Home Equity Loan Discount offers cannot be combined on a single loan number.

⁵Discount requires auto payment set-up from First Midwest checking account. Does not apply to Home Equity Lines of Credit.

⁶Minimum balance waived for first 6 months and requires linked Systematic Savings Plan of $25 minimum per month into savings to avoid monthly fee.

⁷Limited time offer. May be withdrawn at any time. May not be combined with any other offer. The person making the referral: must have a personal First Midwest Bank checking account; (Health Savings Accounts do not qualify) is limited to one $25 award per referred address; 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: must deposit a minimum of $100 to open a personal checking, savings or money market account and 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.

⁸Other bank's surcharges may apply.

⁹Includes Official/Cashier's Checks, Money Orders, Single Signature Traveler's Checks, Notary Services, and Signature Guarantees.

¹⁰First Midwest Financial Network relationship requires a minimum of $25,000 in invested balances.

¹¹First Midwest Financial Network is a division of First Midwest Bank. Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. First Midwest Bank and First Midwest Financial Network are not registered broker/dealers and are not affiliated with LPL Financial.

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