First Midwest is a relationship-focused financial institution committed to helping clients achieve financial success. This mission is at the core of all that they do—it drives their culture and serves as a foundation for investing in their businesses, clients, colleagues and communities. At First Midwest Bank, they provide more than just solutions, they provide... show more
First Midwest Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 09/09/2025.
1.5
74 reviews
from WalletHub and across the web
74 reviews from WalletHub and across the web
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First Midwest Bank
Anh @a_80914
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1 Star Rating
The worst. Pulled my credit report twice in one day for a single application. No one there knows how to fix anything. Called and emailed multiple times to have them give me the run around to fix the hard inquiry. Unfortunately they pull from Transunion which also has the worst customer service of the bureaus. It's been months and no resolution. Only clueless customer service agents telling me that it's been taken care of even though it's not. The poor customer service alone is enough to advise any person to stay away.
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Product: First Midwest Bank Personal Loans
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First Midwest Bank
Meagan @MMP50817
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1 Star Rating
Let’s start with the website and mobile app. Never works correctly , always has bugs. When I try to sign into the app, I have to compete the two step authorization through my phone. Meaning I have to get a code through text and enter it and then I can sign in.
My facial recognition never works and again makes me do the two step authorization. The app is supposed to be for viewing your account quickly. Nothing about it is quick.
Customer service is terrible and they do not care about their customers. If I could give them zero stars I would. My chime account is way better than this bank. They pay you up to two days early. If you do direct deposit with chime, they give you spot me , which allows you to use extra money and pay it back with your next deposit. Their app is great , quick, and easy to use. Never have issues signing in. They also let other chime users boost your available spot me amount and the you can boost other chime users.It’s free to send and receive money. Just an awesome company.
Please listen to everyone and stay away. They do not care about anything.
And I think that positive review I read above …. Is an employee!!! The fact they have to pay someone to write a good review should tell you something. Sorry so long.
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Product: First Midwest Bank Checking
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First Midwest Bank
Chris Lee @CLEE773
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1 Star Rating
WORSE BANK EVER! They charge you a $10 fee for undeliverable mail. I spoke to a customer rep and she said if it was undeliverable once, they hold all the mail and charge you a fee every month until you contact them. I had the account for over three years and barely got any statement. But during COVID the mail got returned to them and the $10 monthly fee came rolling through for over a month. If I knew there was a fee I would have enrolled online, but the banker did not inform me of such a thing when I asked for hidden fees. I asked the rep how is a person supposed to know when I never really received anything. Well, that is not on us, we do not know how USPS work. Then why am I getting penalized? Because that is not my responsibility! You stop sending the mail so I can get fees. A stamp cost 58 cents but you charge me $10 every month because I was not aware this was happening and my local bank was closed due to COVID, but I got TWO letters it was reopening last month. SCAMS!!
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Product: First Midwest Bank Checking
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First Midwest Bank
Wade @orders_4
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1 Star Rating
My wife and I applied for a personal loan. We both have great credit 702 & 764 scores + high income. Midwest pulled my TransUnion report twice, now having to dispute the 2nd pull. We were also denied the loan, they say my wife's score of 702 wasn't up to their required standards. Pathetic bank.
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Product: First Midwest Bank Personal Loans
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First Midwest Bank
rgormley2000 @rgormley2000
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1 Star Rating
Don't use this bank for wealth management!! we have a trust with them. They were to close it 10 years ago and didn't. We found a counting mistake it took 3 months to fix it. we have to get the lawyer involve getting the land out of the bank after the paperwork was done. it took a month to get the land out. its been 2 months and we still can't get the money out.
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Product: First Midwest Bank Business Services
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First Midwest Bank
kay kelley @kaylaakelleyy
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1 Star Rating
Worst bank ever, nothing but problems. today they overdrafted me $36 for no reason. deposited $1000.00 yesterday and had more than enough money in my account. they said it would be $25 to close my account as well.
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Product: First Midwest Bank Checking
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First Midwest Bank
majorldavis @majorldavis
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1 Star Rating
Recently we refinance out home for the second time. We received information that our loan servicer was a different company as it was the first time and we mad payments with that company well I've that this first Midwest had sent me a bill basically stating that I was 30 days late so I called the wondering why were we still getting a bill from them when you sent my loan to a different bank and I've been making payments with the different bank? Well to make a long story short they apologize for the mistake but the damage was already done cause they put a 30-day late notice to the credit bureaus, they said that they will send an reversal letter to them and that it will be clear but my question was am I going to give my scores back I'm pushing almost 800 score and we work very hard to get this scores over the years so as you can see I was very very upset so now I just got to wait until January to see what's going happen. I would never recommend anybody to these people as a matter of fact I'm not done yet I will be seeking other representation to give my complaint heard.
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Product: First Midwest Bank Mortgages
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First Midwest Bank
Melvin @feickbrad
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1 Star Rating
Verified Customer
I'd call it a bank, but I don't want to insult banks. RUN AWAY!!
I have excellent credit. This isn't sour grapes because I was denied. I was actually accepted, and I regret it. Website-sucks. Phone service-sucks. They have NO idea what they are doing, if it weren't true, it would be funny. As it is, it's just pathetic. Don't do business here, they *WILL* screw up and you will suffer. Just Wow. Incredibly bad.
UPDATE:
Soon it will be nearly a year since I wisely lump-sum paid my loan and ran away. I asked them at LEAST 3x to stop my autopay. On TWO occasions, my bank had to wrestle with them to return their illegally withdrawn funds.
I had to resort to PAYING for a stop payment to get the thieves to stop.
Take a guess at why I'm reminded to write this almost a year later- Because I just got my monthly email reminder that they were going to attempt to plook me again.
Maybe someone there thinks it's amusing to annoy me- that pales in comparison to the amusement I get letting people know in reviews how seriously you must avoid these chuckleheads. Oh- and thanks for the monthly reminder to spread the word.
MORONS.
UPDATE 2: THEY ARE CHANGING TO OLD NATIONAL. Do you know how I know this? Because the idiots are still emailing me about the the account that I closed over a year ago.
Perhaps they should hire some real managers with some experience in customer service and finance. I must admit however, that I didn't graduate with a degree in economics from Wharton, so maybe they have some very conceptual strategy that I'm just not smart enough to understand.
Also, here's a free hint for them: stop hiring your nephew in 8th grade to write your website. The fact that their website works like no other Financial website that I've ever seen doesn't make them clever or extra secure, it's just really stupid.
I truly can't imagine that the FDIC allows this nonsense. For real people, run away you will regret it.
I'd like to thank them for continuing to send me reminders monthly about how inept they are. I will continue to update this until they stop writing me about the account that is fully paid off and closed for over a year. Let us not forget that I was forced to pay for a stop payment with my bank to get these thieves to stop taking money from me.
Come to think of it, maybe it is time to give the FDIC and the Attorney General's office a ring and see what their opinion is on thieves that the FDIC is backing.
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Product: First Midwest Bank Personal Loans
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First Midwest Bank
mmm111590 @mmm111590
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1 Star Rating
I opened a checking account recently for direct deposit of my social security payments. Social security sent a pre-note to the bank prior to receiving my first payment. When the payment was to take place it didn't happen. When calling First Midwest Bank I was told that the branch that opened the account requested my account be closed and I would have to speak to the branch. The branch manager told me that they couldn't verify my social security number and returned the funds to social security and that they mailed me a money order of the funds that I opened the account with. When visiting the branch the manager's explanation was that they ("back office") couldn't verify my social security number. I asked if there could be a keying error and she told me no. She said the account was closed and that the "back office" returned the funds to social security. At first the manager said she couldn't see my social security number in the system because the account was closed, but then all of a sudden she was able to see the number. She said the "back office" doesn't let them know anything more other than they couldn't verify my social. She didn't even try to keep me as a customer. I received an empty sorry excuse. I'm more than disappointed and feel they do not value their customers. My advice is not to bank with First Midwest Bank as you are not valued. They just don't care. Account Closed!
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Product: First Midwest Bank Checking
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First Midwest Bank
John Delis @fleurdelis076
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5 Star Rating
I had read the reviews about this bank after I had spoken with a Mortgage Lender. They have incredible rates and a JUMBO product below normal conventional rates. Closing the loan was the typical process 30-45 days. Was happy with their service and closed in the time that they had mentioned. Really all the other Lenders we spoke with were .250% higher in rate.... Happy with contacting them.
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Product: First Midwest Bank Mortgages
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Melvin @feickbrad
You can't be serious.
This doesn't seem suspicious at all.
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First Midwest Bank
John Majara @bigirwaz
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1 Star Rating
Worst Bank Ever, Worst Customer service Customer Service and Bankers are totally unreliable. It took them a month for them to close my checking account when I told them that I was moving from Chicago to Toronto. Due to this, I was late on several payments. I was with the bank originally for over 5 years.
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First Midwest Bank
Joe Anon @JA007
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3 Star Rating
Can't really say much as they will check your credit which impacts your score so it appears they are careful who the lend to since they are small. I never heard of them. I will think twice after reading the other reviews.
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First Midwest Bank
mmacmcox @mmacmcox
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1 Star Rating
I have been with this bank since 1983. Recently, I had my mobile phone stolen and subsequently had over $600 in fraudulent charges against my account before I could close all my linked accounts. At first, FMB protected me and credited the fraudulent charges back to my account. A short time later, they “reversed” their decision with no reputable reason provided. In speaking to a “live” agent, it was even more confusing. This bank is only out for themselves and they certainly do not own up to their personal account holders. We are moving our business elsewhere. How’s that for neighborly banking and looking out for your long-time customers.
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Product: First Midwest Bank Checking
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First Midwest Bank
SW Smith @smith445
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1 Star Rating
Horrible bank. If you open an account remotely, they will happily take your money. They then lock up your funds without warning until you wait for them to send you a signature card in the mail, sign it, return it, and wait. When you try to close the account, they expect you to visit a branch (even though your entire relationship with them to-date was virtual). They don't care about a pandemic, whether you are healthy enough to do in-person banking, or how far away the nearest branch is. Complete garbage bank
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Product: First Midwest Bank Checking
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First Midwest Bank
pzane @pzane
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1 Star Rating
Most terrible bank I have ever worked with, over draft fees at $32+ and never is anything registered right. I will pay an overdraft and still still overdrafts piling up, now owing $149 all over again for a small $23 overdraft from 2 weeks back! That is an insane rate. The online banking system is garbage, and the customer service is poor too. I recommend Chase to anyone looking for a good bank, they are way better than this and I am definitely going back to them.
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Product: First Midwest Bank Checking
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Review First Midwest Bank
First Midwest Bank Offers
Business Services
Car Loans
Checking
Credit Cards
Home Equity
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Mortgages
Personal Loans
Savings
CDs
First Midwest Bank Q&A(1 question)
Get answers to your questions about First Midwest Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
The minimum balance for First Midwest Bank Easy checking account is $100 in order to not pay a monthly fee.
For the Midwest checking account the minimum balance is $2,500 if you don't want to pay the monthly fee.
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