You work hard for your money and it deserves a safe home. But not everyone has the same needs and goals when it comes to cash management. That is why we offer four distinct checking options1 with different features and rewards.
All of our checking accounts1 include:
The First Midwest Bank Routing Number is 071901604. See it on a check. See our other account FAQs.
Our 5 Most Frequently Asked Account Questions
A: The First Midwest Bank routing number is 071901604.
A: Your account number is a ten-digit number along the bottom of your check. It is the second number, following our routing number. (See it on a check.)
You can also find your account number along the top of your statement, whether you have online or paper statements.
A: Check deposits made in-branch or at an ATM post to your account on the following business day.
Cash deposits made at a bank branch on Monday through Friday generally post that business day. The cutoff time varies depending on the closing hours of a given branch. In-branch cash deposits made on Saturday post the following business day; cash deposits made at a night depository typically post one hour after the branch’s next scheduled opening time Monday through Friday.
Cutoff times for other deposits to be credited on the same business day:
| Transaction Type | Cutoff Time (Central Time) |
| All First Midwest Bank ATM Locations Cash Deposits and Point of Sale (POS) Deposits* | Monday – Friday: 6:00pm |
| Account Transfers** via Online Banking and Mobile Banking (including Zelle transfers) | Monday – Friday: 8:00pm |
| Account Transfers via Bank-Line | Monday – Friday: 8:00pm |
|
Check Deposits via Mobile Banking |
Monday – Friday: 5:00pm |
| Wire Transfers | Monday – Friday: 5:00pm |
Deposits after the cutoff time will post to the account on the following business day.
Please note: Cash deposits made at a First Midwest ATM after the cutoff time may reflect as available on your receipt and within Online Banking but will not be available to pay items posting on that business day.
“Pending” means we have received your deposit request, but it has not yet been fully processed.
*POS Deposits include certain merchant refunds and other incoming digital card transfers.
**External transfers (to or from a non-First Midwest Bank Account) may be subject to different cutoff times, which are disclosed to you in Online Banking or Mobile Banking, as applicable.
A: “MC” stands for “MasterCard authorization.” This means that a transaction has been approved for funds to be deducted from an account, using a First Midwest debit MasterCard®, but the transaction has not yet been fully processed.
A: Please visit our instructions for using Zelle. (Note: if you haven’t already, you will need to be enrolled in Online Banking and download the First Midwest Mobile App to use Zelle.)
Spending limits for Zelle are $400 per transaction, and $600 per day.
Curious about how peer-to-peer payments work? Learn more.
1 The minimum balance to open a checking Account is $100, except that a Student Checking Account requires a $25 minimum balance to open.
2 Subject to credit approval. Property insurance is required on loans secured by property. Cannot be combined with other rebates, discounts, or promotional offers on a single loan number. Rebate may take up to 120 days to appear in your account. Rebate may be subject to IRS tax reporting.
3 Additional fees will apply for duplicate checks.
4 Qualifying direct deposits are salary, pension, Social Security, or other regular monthly income electronically deposited to your Account by your employer or an outside agency. Transfers from one Account to another, or deposits made at a banking location or ATM, do not qualify as a direct deposit.
5 For balance levels (tier ranges), please refer to our Deposit Rate Sheet.
6 Upon request, monthly maintenance fee waived for the first six (6) analysis periods for a Statement Savings Account with an automatic savings transfer of $25 or more from the Midwest Checking Account.
7 Discount requires auto payment set-up from First Midwest checking account. Discount can be applied to largest Safe Deposit Box owned.
8 For each month there is an automatic savings transfer of $50 or more from your Diamond Checking Account to your Diamond Savings Account, the Diamond Savings Account’s monthly maintenance fee will be waived.
9 Private Banking clients are subject to certain minimum relationship standards. For more information, please contact a Private Banking Officer.
10 Old National Investments relationship requires a minimum of $25,000 in invested balances.
11 Securities offered through LPL Financial (LPL), broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Old National Bank and Old National Investments are not registered as a broker-dealer. Registered representatives of LPL offer products and services using Old National Investments, and may also be employees of Old National Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Old National Bank or Old National Investments. Securities and insurance offered through LPL or its affiliates are:
| Not Insured by FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value |
The site is designed for U.S. residents only, and the services offered within this site are available exclusively through our U.S. registered representatives. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all the investments and services mentioned are available in every state.
12 No ATM Transaction Fees for the first four (4) non-First Midwest Bank and/or non-Allpoint® ATM transactions (other ATM operators’ ATM fees may apply). A $3 ATM Transaction Fee will apply to each transaction exceeding four (4) per Analysis Period.
13 Includes Official Checks, Money Orders, Notary Services and Signature Guarantees.
14 Overdraft/Returned Item Fees will not be charged on this account. 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.
15 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.
16 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 on 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 Certificate of Deposit Secured Loans.
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You can find more information and how to manage your privacy choices by reviewing our California Consumer Privacy Disclosures located on our Privacy information page by following the link on the bottom of any page.
