Explore a fictional snapshot of First Midwest FCU checking options, designed around how members spend, save, and get paid.
No monthly maintenance fee, instant debit card controls, and early access to direct deposit.
Earn cash-back when you swipe your debit card, keep a modest balance, and stay connected with eStatements.
A classic account for members who prefer paper statements, in-branch service, and simple features.
| Account | Monthly fee | ATM access | Standout perk |
|---|---|---|---|
| Essentials Checking | $0 | Nationwide network + refunds up to $10/mo | Early direct deposit & instant card controls |
| Cash Rewards Checking | $6 (waived with activity) | Nationwide network | Up to $96 cash-back annually on everyday spending |
| Heritage Checking | $3 (paper statements) | Midwest partner branches | Complimentary lobby services & personal banker team |
Here are a few tips members rely on to get the most from their account.