Zero Liability

    If you didn't buy it, you're protected.
    It's that simple.

    Your First Midwest Debit MasterCard® has you covered. Purchase in store, by phone or online with confidence that comes with knowing that you’re not responsible for any unauthorized purchases made with your card. That’s Zero Liability. That’s your First Midwest Debit MasterCard working to protect you.

    Exercise Your Benefits

    First Midwest is ready to help. Call 800-322-3623 to start the claim process as soon as you suspect unauthorized use of your card.

Protection For Yourself | That's Banking With Momentum 

How To Get Coverage

If you have questions regarding Zero Liability coverage or you suspect unauthorized use of your card, contact First Midwest at 800-322-3623 IMMEDIATELY.

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Coverage Details

Have peace of mind knowing that First Midwest Bank won't hold you responsible for "unauthorized transactions." Zero liability applies to transactions made in the store, over the telephone or online. As a cardholder, you will not be held responsible for unauthorized transactions if you have exercised reasonable care in safeguarding your card from loss or theft, and upon becoming aware, you promptly report the loss or theft to the issuer.

If these conditions are not met and you suspect that you have an unauthorized transaction on your MasterCard, contact First Midwest  as additional protections may apply.

Coverage Limitations 

Zero Liability does not apply to MasterCard payment cards:

  • used for commercial, business or agricultural purposes (PLEASE NOTE: Zero Liability does apply to MasterCard credit and debit cards for small businesses);
  • anonymous prepaid cards, such store or gift cards, unless the car is registered to the user.

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