Overdraft Service Options

It happens. A deposit is unexpectedly delayed. A mistake is made balancing the checkbook. An unforeseen expense leaves less than the needed amount in your account. First Midwest has four overdraft service options to help you manage your money and cover a potential overdraft.

First Midwest Overdraft Options 

Overdraft Protection*

Overdraft Protection, our standard overdraft service, provides a limited reserve to cover items such as checks, ACH/automatic payment items and recurring debit transactions (such as automatic payments for subscriptions, dues, utility bills, etc.), and in-person transactions.
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Overdraft Protection with Extended Coverage*

Overdraft Protection with Extended Coverage adds coverage for ATM and everyday debit card transactions to our standard Overdraft Protection service.

Use the link below to learn more about the control and flexibility you can have in managing your First Midwest Checking, Savings and Money Market Accounts.

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Ready Cash

Ready Cash, an unsecured line of credit** through your First Midwest Checking account, helps you manage unexpected expenses and gives you the peace of mind knowing you’re covered against overdrafts that can occur due to temporary cash flow shortages. You can access your Ready Cash Line of Credit by writing a check, using your First Midwest debit card, or by visiting the branch nearest you for a cash advance.

With Ready Cash:

  • Funds are automatically advanced into your checking account in $100 increments (up to your approved credit limit) when your checking account funds are depleted.
  • Your checking account is automatically debited for monthly payments, or you can pay off the balance at any time.
  • Interest rates are often lower than those charged by credit cards.

Call 800-322-3623 to add Ready Cash to your First Midwest relationship today.

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Custom Auto Transfer***

If Ready Cash doesn't sound like the right fit, you can also establish a Custom Auto Transfer (CAT) between your First Midwest CheckingSavings or Money Market accounts, where funds from your savings or money market account are automatically transferred into your checking account when your checking account funds are depleted.

Call 800-322-3623 to establish a Custom Auto Transfer between your First Midwest CheckingSavings or Money Market accounts today.

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Overdraft Protection Services Video

Know your options. Understand the trade-offs. Make the best choice for you.

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Additional Information

And, for more information on overdrafts, please visit the Federal Deposit Insurance Corporation's website.

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