Frequently Asked Questions

Our routing number is 071102500. You can also find it printed at the bottom left of your checks.

Yes. Midwest Bank accounts are FDIC insured up to applicable limits. – Midwest Bank also offers ICS^®, the IntraFi Cash Service^®, and CDARS^®, which offers safety-conscious customers access to millions in aggregate FDIC insurance across network banks.

You can update your information by logging into online banking, visiting a branch, or calling our customer service line at 888-309-2265.

We prioritize your privacy and never share your information except as outlined in our Privacy Policy. To limit sharing, call us at 888-309-2265.

Call us immediately at 888-309-2265 to report your card lost or stolen. We’ll cancel it and issue a replacement. For suspected fraud, call the same number — available 24/7.

Yes! Our online and mobile banking platforms let you check balances, transfer funds, make payments, and more.

Absolutely. You can schedule automatic transfers between your Midwest Bank accounts through online banking or by contacting us.

Our routing number is 071102500. You can also find it on your checks at the bottom left.

Login to online banking, select your checking account, then use the blue banner link to send us a message requesting E-Statement enrollment. Choose the account and select “E-Statement Enrollment” as the category.

You can update your address or contact details by logging into digital banking, visiting a branch, or calling our customer service line at 888-309-2265.

ATM deposits and withdrawals completed by 8:00 p.m. CST, Monday–Friday are processed the same day. Weekend or holiday transactions are processed the next business day.

Midwest Bank charges a $2.00 out-of-network ATM fee. However, keep in mind that the ATM owner may also assess a surcharge. Check the ATM for any posted fees before completing your transaction.

Yes! You can link your Midwest Bank savings account to your checking account for overdraft protection. If your checking account balance falls short, available funds from your savings can automatically cover the difference. Restrictions and fees may apply. Please contact our customer service team for assistance setting this up.

Yes. Federal regulations limit certain types of withdrawals and transfers from savings accounts to six (6) per statement cycle. This includes online transfers, automatic transfers, and transactions by check or debit card. In-person withdrawals and ATM transactions are unlimited.

Yes. All Midwest Bank savings accounts are FDIC insured up to the applicable limits, providing peace of mind that your money is protected.

Learn more about FDIC insurance.

Absolutely. You can schedule automatic transfers from your Midwest Bank checking account to any of your savings accounts. It’s a convenient way to build your savings consistently over time. If you need help setting this up, please contact our customer service team.

Yes! With Midwest Bank’s digital and mobile banking platforms, you can check your balances, transfer funds, and manage your account anytime, anywhere.

Yes. All deposits with Midwest Bank are FDIC insured up to applicable limits. CDARS® provides additional FDIC coverage for deposits exceeding $250,000.

Most accounts allow additional deposits after opening. Terms vary — consult a Personal Banker for details.

Certain accounts like CDs and IRAs may have early withdrawal penalties. These penalties could reduce earnings or principal. Terms vary by account. It’s best to review your account agreement or talk to a banker before withdrawing funds early.

At maturity, your CD will typically renew automatically for the same term at the current interest rate unless you provide other instructions.

Some accounts may be opened for minors with a custodian. Please speak with a Personal Banker for options.

Use personal loans for debt consolidation, medical expenses, home improvements, vehicle purchases or repairs, vacations, and more.

Apply online or visit a Midwest Bank branch. Our loan officers will guide you through the process.

Terms and rates vary based on credit and loan amount. We offer competitive rates with straightforward terms.

Decisions are made locally, usually within a few business days.

We offer fixed-rate, first-time homebuyer, refinancing, and construction loans.

Start online or contact our mortgage team to get pre-qualified.

You’ll generally need proof of income, tax returns, property details, credit history, and identification.

Typically, approval takes 30–45 days from application to closing.

We provide estate planning, trust administration, farm asset management, and financial planning.

Our experienced Trust Officers and Farm Management specialists handle these services.

Contact our Trust Department to schedule a consultation.

Yes, we tailor them to meet your family and business goals.

You can enroll online by clicking “Enroll Now” and following the step-by-step prompts. Be ready with your account number, Social Security number, and other identifying information.

Yes! The Midwest Bank mobile app is free to download and use on both iOS and Android devices. Please note that your wireless carrier’s data and messaging rates may apply.

Absolutely! Enable biometric authentication under “Settings” once you’ve logged into the app.

Yes. With Mobile Check Deposit in the app, simply endorse your check, snap photos of the front and back, and follow the on-screen instructions. Deposits are typically available within one business day.

Approval typically takes just a few minutes when you apply online and meet the qualification criteria. In some cases, it may take 1-3 business days if additional documentation or review is required.

You can redeem your rewards directly through your online account dashboard. Redemption options typically include merchandise, gift cards, and travel. We’re continuously adding new ways to use your rewards to better fit your needs.

Once approved, your card will typically arrive within 8-10 business days. Expedited delivery may be available upon request.

Yes, you can add one additional authorized user to your account at any time upon request.

Business credit cards are available to a wide range of business owners, including small business owners, sole proprietors, freelancers, and larger companies.

Yes, you can set custom limits by cardholder or category.

Yes, transaction data can be exported to QuickBooks and other platforms.

You’ll need a valid photo ID, your Social Security Number or Tax ID, and any required business documentation.

Yes! Access your accounts, transfer funds, and utilize digital tools through online and mobile banking.

Positive Pay is a fraud prevention tool that helps protect your business by identifying unauthorized or altered checks. Learn more on our Business Digital Banking page.

We offer free E-Statements for all business accounts. Paper statements are $5/month, but the fee may be waived with qualifying balances.

Yes. Federal regulations limit certain types of withdrawals and transfers to six (6) per statement cycle. In-person and ATM withdrawals are unlimited.

Yes. Linking your savings account can provide automatic overdraft protection. Restrictions and fees may apply.

Yes. All Midwest Bank business savings accounts are FDIC insured up to applicable limits. CDARS® provides coverage for larger deposits.

Absolutely. Access your savings accounts through our online and mobile banking platforms.

For Business:
We offer working capital loans, lines of credit, equipment loans and leases, term loans, real estate loans, and customized financing solutions.

For Agribusiness:
We provide operating loans, capital purchase loans, leasing options, government programs (FSA, IFA, Farmer Mac, State of IL Link Deposit), and livestock guarantees.

Yes. We offer a full range of agribusiness loan programs through our dedicated team of agricultural lenders.

Contact one of our experienced business lenders to start the application process.

Yes. All loan decisions are made locally by lenders who know your business and community.