and credit of the U.S. Government
Checking Accounts
Checking Designed for Your Life
Your checking account should work as hard as you do. First Midwest Bank offers four checking accounts built around real financial habits, from everyday spending to interest-earning balances to added protection for life’s surprises. Every account includes a free debit card, online and mobile banking, and the everyday tools you need to manage your money with confidence.
Review our checking account features to find the best option for the way you live.
BaZing
Checking-Ozarks
Checking With Benefits
Best for customers who want extra protection and everyday perks built right into their checking account. Enjoy everyday banking convenience plus valuable benefits, like cell phone protection, identity theft aid, roadside assistance and automatic participation in the BaZing Savings Network.
Best for customers who want extra protection and everyday perks built right into their checking account. Enjoy everyday banking convenience plus valuable benefits, like cell phone protection, identity theft aid, roadside assistance and automatic participation in the BaZing Savings Network.
| Minimum Opening Balance | $50 |
|---|---|
| FREE Debit Card |  |
| FREE Online Banking & Bill Pay | |
| FREE eStatements | |
| FREE Mobile Banking App | |
| Unlimited Check Writing | |
| Optional Overdraft Protection | |
| Cell Phone Protection* | |
| ID Theft Aid* | |
| Roadside Assistance* | |
| BaZing Savings Network | |
| Earns Interest** | |
| FREE Box of Checks | |
| Monthly Service Charge | $51 fee reduced by $0.10 for every debit card purchase2 |
Interest
Checking-Ozarks
Checking With
Interest
Best for customers who keep a qualifying balance and want their checking account to work harder for them. Discover an interest-bearing checking account that keeps your cash accessible for when you need it. The higher your balance, the more you’ll earn with our tiered interest rates.
Best for customers who keep a qualifying balance and want their checking account to work harder for them. Discover an interest-bearing checking account that keeps your cash accessible for when you need it. The higher your balance, the more you’ll earn with our tiered interest rates.
| Minimum Opening Balance | $50 |
|---|---|
| FREE Debit Card | |
| FREE Online Banking & Bill Pay | |
| FREE eStatements | |
| FREE Mobile Banking App | |
| Unlimited Check Writing | |
| Optional Overdraft Protection | |
| Cell Phone Protection* | |
| ID Theft Aid* | |
| Roadside Assistance* | |
| BaZing Savings Network | |
| Earns Interest** | |
| FREE Box of Checks | |
| Monthly Service Charge | $0 for balances $500 and over |
Simply
Checking-Ozarks
A Free Account for Everyone
Best for customers who want a simple, no-fee way to manage everyday spending. Manage your finances quickly and confidently, with no monthly maintenance fees or hidden charges. Our free checking account is ideal for anyone just starting their financial journey.
Best for customers who want a simple, no-fee way to manage everyday spending. Manage your finances quickly and confidently, with no monthly maintenance fees or hidden charges. Our free checking account is ideal for anyone just starting their financial journey.
| Minimum Opening Balance | $50 |
|---|---|
| FREE Debit Card | |
| FREE Online Banking & Bill Pay | |
| FREE eStatements | |
| FREE Mobile Banking App | |
| Unlimited Check Writing | |
| Optional Overdraft Protection | |
| Cell Phone Protection* | |
| ID Theft Aid* | |
| Roadside Assistance* | |
| BaZing Savings Network | |
| Earns Interest** | |
| FREE Box of Checks | |
| Monthly Service Charge | $0 |
Advantage Checking-Ozarks
Checking With Interest for Age 60+
Best for customers age 60 and older who want an interest-earning account with added perks. Discover an account that rewards you for your experience. This option has no minimum balance requirement, offers generous tiered interest rates and includes a free box of checks every year.
Best for customers age 60 and older who want an interest-earning account with added perks. Discover an account that rewards you for your experience. This option has no minimum balance requirement, offers generous tiered interest rates and includes a free box of checks every year.
| Minimum Opening Balance | $50 |
|---|---|
| FREE Debit Card | |
| FREE Online Banking & Bill Pay | |
| FREE eStatements | |
| FREE Mobile Banking App | |
| Unlimited Check Writing | |
| Optional Overdraft Protection | |
| Cell Phone Protection* | |
| ID Theft Aid* | |
| Roadside Assistance* | |
| BaZing Savings Network | |
| Earns Interest** | |
| FREE Box of Checks | |
| Monthly Service Charge | $0 |
Review our checking account features to find the best option for the way you live.
- Cell Phone Protection is subject to a $50 deductible and additional restrictions. Roadside Assistance is subject to a $64.95 fee per use and additional restrictions. Enroll in ID theft aid through BaZing website. Please see a customer service representative for a printout of the terms and conditions. Terms and conditions are also available when you sign into your account at BaZing. Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates or any other government agency.
- Please obtain a current rate sheet from a customer service representative. This account is subject to variable rates that can be changed at any time at the bank’s discretion.
- BaZing member fee is $6/month with paper statement.
- ATM transactions do not apply. Maximum statement credit from debit card purchases, if receiving eStatements, not to exceed $5.00. Maximum statement credit from debit card purchases, if receiving paper statements, not to exceed $6.00. Transactions must hard-post to your account during the statement cycle to reduce the fee.
BaZing | Interest | Simply | Advantage Checking-OzarksChecking With Interest for Age 60+ | |
|---|---|---|---|---|
| Minimum Opening Balance | $50 | $50 | $50 | $50 |
| FREE Debit Card | | | | |
| FREE Online Banking & Bill Pay | | | | |
| FREE eStatements | | | | |
| FREE Mobile Banking App | | | | |
| Unlimited Check Writing | | | | |
| Optional Overdraft Protection | | | | |
| Cell Phone Protection* | | |||
| ID Theft Aid* | | |||
| Roadside Assistance* | | |||
| BaZing Savings Network | | |||
| Earns Interest** | | | ||
| FREE Box of Checks | | |||
| Monthly Service Charge | $51 fee reduced by $0.10 for every debit card purchase2 | $0 for balances $500 and over | $0 | $0 |
- Cell Phone Protection is subject to a $50 deductible and additional restrictions. Roadside Assistance is subject to a $64.95 fee per use and additional restrictions. Enroll in ID theft aid through BaZing website. Please see a customer service representative for a printout of the terms and conditions. Terms and conditions are also available when you sign into your account at BaZing. Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates or any other government agency.
- Please obtain a current rate sheet from a customer service representative. This account is subject to variable rates that can be changed at any time at the bank’s discretion.
- BaZing member fee is $6/month with paper statement.
- ATM transactions do not apply. Maximum statement credit from debit card purchases, if receiving eStatements, not to exceed $5.00. Maximum statement credit from debit card purchases, if receiving paper statements, not to exceed $6.00. Transactions must hard-post to your account during the statement cycle to reduce the fee.
“I have been very pleased with the service from First Midwest. I have used them for over 20 years, and on more than one occasion, they have gone above and beyond to help me.”
- Alanna
Frequently Asked Questions
Online Banking
We know you’re busy. That’s why we make it easy to bank virtually anytime, anywhere you have internet access. Use our powerful, secure online and mobile banking tools to stay on top of your finances.
- View your balance and transactions.
- Create a budget and track spending.
- Pay bills and transfer funds.
- Make mobile check deposits.
- Send money to family and friends.
Reorder Checks
Need to order new checks for your First Midwest Bank account? Visit Deluxe, our secure third-party provider, to choose your design and easily order personalized checks in minutes.
Order Checks
Lost or Stolen Card
Please contact us immediately if your debit card has been lost or stolen. A customer service representative will assist you in deactivating your card and ordering a replacement card for your account. If you suspect your card has been used fraudulently, please contact your local branch as soon as possible.
To report a lost or stolen card, call 573-785-8461. After hours/weekend, call 888-263-3370.
Online Banking
We know you’re busy. That’s why we make it easy to bank virtually anytime, anywhere you have internet access. Use our powerful, secure online and mobile banking tools to stay on top of your finances.
- View your balance and transactions.
- Create a budget and track spending.
- Pay bills and transfer funds.
- Make mobile check deposits.
- Send money to family and friends.
Reorder Checks
Need to order new checks for your First Midwest Bank account? Visit Deluxe, our secure third-party provider, to choose your design and easily order personalized checks in minutes.
Order ChecksLost or Stolen Card
Please contact us immediately if your debit card has been lost or stolen. A customer service representative will assist you in deactivating your card and ordering a replacement card for your account. If you suspect your card has been used fraudulently, please download our Credit Dispute Form.
To report a lost or stolen card, call 573-785-8461. After hours/weekend, call 888-263-3370.
Better Banking Starts Here
Visit one of our local branches or use our secure online application to open your account in minutes. Need help? Reach out to our friendly team members for assistance.Better Banking Starts Here
Visit one of our local branches or use our secure online application to open your account in minutes. Need help? Reach out to our friendly team members for assistance.Explore the Possibilities
Start (or continue) your savings journey with confidence.
Get the funds you need for big plans and unplanned expenses.
The Greenlight® app and debit card let kids take control of their finances, guided by you.
