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  First Midwest Bank Easy Checking

First Midwest Bank Easy Checking

in Checking Accounts from First Midwest Bank · Member FDIC

Unaffiliated

First Midwest Bank Easy Checking

Unaffiliated

in Checking Accounts from First Midwest Bank · Member FDIC

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Highlights
Highlights
Monthly Fee $0 - $7.49
ATM Fee: Out-of-Network $3
Minimum Balance to Avoid Monthly Fee $100
APY (Annual Percentage Yield) 0%

First Midwest Bank Easy Checking Review

First Midwest Bank Easy Checking is offered by First Midwest Bank, a bank founded in 1933 and based in Chicago, . First Midwest Bank Easy Checking is available in 4 states across the USA.

Key Takeaways
  • 0% APY. As with most checking accounts, First Midwest Bank Easy Checking does not pay interest.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $7.49, but the fee is waived if you keep a minimum balance of $100.
  • Large minimum initial deposit. You need a minimum deposit of $100 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that we track.
  • Free bill pay. Pay your bills to practically anyone in the United States through First Midwest Bank.
  • Hard credit pull. First Midwest Bank may require a hard pull on your credit report to open a checking account.
First Midwest Bank Easy Checking Pros & Cons
Pros Cons
  • $150 mortgage closing cost rebate with this account.
  • 0.25% discounts on all secured consumer installment loans.
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No signup bonus.
  • Does not earn interest
  • Only available in 4 states.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
First Midwest Bank Easy Checking FAQ

Are checking accounts from First Midwest Bank federally insured?

Yes, your First Midwest Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does First Midwest Bank Easy Checking offer?

First Midwest Bank Easy Checking is not an interest-bearing account.

What are the account minimums for First Midwest Bank Easy Checking?

First Midwest Bank Easy Checking requires a minimum initial deposit of $100 to open an account.

First Midwest Bank Easy Checking Account Minimums
Description Amount
Minimum Initial Deposit $100
Minimum Balance to Avoid Monthly Fee $100

What fees does First Midwest Bank Easy Checking charge?

This account charges a monthly maintenance fee of up to $7.49.

First Midwest Bank Easy Checking Fees
Description
Monthly Fee $0 - $7.49
Paper Statement Fee N/A
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $3
NSF Fee $36
Overdraft Protection Fee (per transfer) $10
Overdraft Item Fee $36
Early Account Closure $25
Returned Deposit Fee (Domestic) $36
Debit Card Replacement Fee $5
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $37
Check Image Service N/A
Check Copy N/A
Foreign Transaction Fee (Debit Card) 3%
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Outgoing) $50
Wire Transfer Fee - International (Incoming) $15
Returned Deposit Fee (International) $36
Wire Transfer Fee - Domestic (Incoming) $15
ATM Reimbursement Monthly Limit N/A

What features and perks does First Midwest Bank Easy Checking offer?

This account includes the following features:

  • Fraud monitoring - First Midwest Bank Easy Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - First Midwest Bank Easy Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 4 states
  • Illinois
  • Indiana
  • Iowa
  • Wisconsin

Feature Breakdown

Minimum Initial Deposit $100
Minimum Balance to Avoid Monthly Fee $100
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Debit Card Replacement Fee $5
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $7.49
NSF Fee $36
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $10
Returned Deposit Fee (Domestic) $36
Returned Deposit Fee (International) $36
Stop Payment Fee $37
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $3
Bank Account Features
  • FDIC Member
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Fraud Monitoring
  • Mobile Banking
  • Nationwide ATM Network
  • Mobile Check Deposit

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