First Midwest Bank | Checking Accounts

Checking Accounts

At First Midwest, your checking account is more than debits and credits. It's the cornerstone of your finances. You may think that once you've found the lowest monthly fee in town, that you've found the best account for you. Not necessarily.

The truth is, a free checking account may actually cost you more than an account with a regular monthly fee. It all depends on how your banking style matches up to the features of that account. But, how can you know for sure?

Start by using the table below to quickly and easily compare First Midwest’s checking account options. Then, use CheXpert, our exclusive account recommendation wizard, to give you total confidence that your new checking account will meet the demands of your busy lifestyle. In a few simple steps, CheXpert will analyze your banking preferences and create a customized recommendation just for you.

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First Midwest Checking Account Options

Account Type	Simply Free	Classic Interest	Total Advantage		Premier Performance
Account Type	Simply Free	Classic Interest	Paper Option	Plastic Option	Premier Performance
Minimum Balance to Open	$100	$100	$100	$100	$100
Balance Required to Avoid Monthly Fee	–	$1,000^*	$2,000^*	$2,000^*	$10,000^*
Free First Midwest Banking Card	Yes	Yes	Yes	Yes	Yes
Free MasterCard MarketPlace	Yes	Yes	Yes	Yes	Yes
Free Bill Pay Banking Online	Yes	Yes	Yes	Yes	Yes
Free Tuition Rewards Enrollment	Yes	Yes	Yes	Yes	Yes
Earns Interest	–	Yes	Yes	Yes	Yes
Free Checks	–	–	Yes	Yes	Yes
Free Checks for Life	–	–	Yes	–	Yes
Free ATM Access Outside of First Midwest's ATM Network¹	–	–	Yes	Yes	Yes
Qualifies for Special Rates on CDs	–	–	Yes	Yes	Yes
Qualifies for Discounts on First Midwest Loans²	–	–	Yes	Yes	Yes
Choose an Account to Open	Open Simply Free Now	Open Classic Interest Now	Open Total Advantage Paper Now	Open Total Advantage Plastic Now	Open Premier Performance Now

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^*Classic Interest requires $1,000 balance to avoid $11 monthly maintenance fee; Total Advantage requires $2,000 in account or $10,000 in any combination of other First Midwest checking, savings, money market, CD, or IRA accounts to avoid $9 monthly maintenance fee; Premier Performance requires $10,000 or $50,000 in any combination of other First Midwest checking, savings, money market, CD, or IRA accounts to avoid $15 monthly maintenance fee.

¹Total Advantage – Paper limited to 2 free transactions per month at ATMs outside of the First Midwest network. Waives First Midwest foreign ATM fee. Other banks' surcharges may apply.

²Loans are subject to credit approval.

Checking Account Rates

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