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  First Midwest Bank Easy Checking

First Midwest Bank Easy Checking

in Checking Accounts from First Midwest Bank · fdic

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First Midwest Bank Easy Checking

Unaffiliated

in Checking Accounts from First Midwest Bank · Member FDIC

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Highlights
Monthly Fee $0 - $8.99
ATM Fee: Out-of-Network $3
Minimum Balance to Avoid Monthly Fee Starting at $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 service fee of up to $8.99, but the fee is waived if you keep a minimum balance of $100.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • Bill pay. Pay your bills to practically anyone in the United States through First Midwest Bank.
First Midwest Easy checking Pros & Cons
Pros Cons
  • 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 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 Easy checking offer?

First Midwest Easy checking is not an interest-bearing account.

What are the account minimums for First Midwest Easy checking?

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

First Midwest Bank Easy Checking Minimums
Description
Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $100

What fees does First Midwest Easy checking charge?

This account charges a monthly service fee of up to $8.99.

First Midwest Bank Easy Checking Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $5
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $8.99
NSF Fee $36
Online Bill Pay Fee $0
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

Does First Midwest Easy checking charge overdraft fees?

Yes, First Midwest Easy checking charges a $36 fee for every overdraft.

First Midwest Easy checking offers overdraft protection at a cost of $10 per transaction.

What features and perks does First Midwest Easy checking offer?

This account includes the following features:

  • Fraud monitoring - First Midwest Easy checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - First Midwest Easy checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for First Midwest Easy checking?

The customer support email for First Midwest Easy checking is CustomerCare@FirstMidwest.com.

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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.

Message From First Midwest Bank Easy Checking

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.

Keep things simple with easy checking. An account with all the features you need, plus our most popular upgrades and rewards. The Easiest Way to Bring Momentum to Your Money!
Our Easy Checking account provides free transactions at more than 55,000 Allpoint® ATMs worldwide,2 online banking, and mobile banking with bill pay. When you are looking for the best basic checking account, Easy Checking is the answer.

Availability

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

Feature Breakdown

Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $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 - $8.99
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
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC

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