Help center
Frequently asked
Frequently asked
questions
Quick answers about membership, digital banking, and security. Can't find what you need? We're always happy to help directly.
Membership
Anyone who lives, works, worships, or studies in our nine-county Midwest footprint — or is an immediate family member of an existing member — can open an account. We're proud to serve our whole community.
Gather a government-issued ID (driver's license or passport), proof of address, and your Social Security number. A $5 share deposit opens your membership and unlocks all products and services.
Most applications receive an instant decision online. If we need additional documents, a team member will reach out within one business day. In-person applications at any branch are typically same-day.
Absolutely. Our Junior Launch Savings account is designed for members ages 8–17. A parent or guardian co-signs the account and retains shared visibility through the app. Only a $10 opening deposit is required.
No. Maintaining a $5 balance in your share savings account is all that's required. There is no annual membership fee. Essentials Checking also carries zero monthly fees.
Digital banking
Yes. Our iOS and Android apps mirror the full desktop experience with mobile deposit, real-time balance alerts, card controls, budgeting tools, and secure messaging with a Midwest support specialist.
Use the "Forgot password" link on the login screen and follow the prompts. We'll verify your identity via security questions or multi-factor authentication before allowing a reset. Need extra help? Call 1-800-867-5309.
Yes. Link accounts from other banks or credit unions to see all your balances, move money, and manage your full budget from a single First Midwest FCU dashboard. Micro-deposit verification takes 1–2 business days.
Deposits submitted before 5 PM CT on business days are typically credited the same day. Deposits after cutoff post the following business day. You'll receive an in-app status notification within minutes of submission.
Yes. The app supports person-to-person transfers within First Midwest FCU accounts instantly, and ACH transfers to external accounts typically post in 1–2 business days. Wire transfers are also available via branch or the secure message center.
Security & support
We use multi-factor authentication, 256-bit encryption, real-time fraud monitoring, and in-app card controls. You can freeze or unfreeze your card at any time, set transaction alerts, and flag suspicious activity instantly.
Call 1-800-867-5309 any time — after-hours card support is available 24/7. You can also freeze your card instantly from the mobile app under Card Controls while you locate it, then unfreeze if it turns up.
Our commercial services team can be reached at business@firstmidwestfcu.com or through the contact form on our website. You can also stop by any branch and ask for a business banking specialist — no appointment needed for an initial consultation.
Yes. All deposits are federally insured by the NCUA up to $250,000 per depositor, per account ownership category — the credit union equivalent of FDIC insurance at traditional banks. First Midwest FCU is also an Equal Housing Lender.
Secure message
Send a note from online or mobile banking. We reply within one business day.
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Lobby and drive-up service at all locations. Appointments available for loans.
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