First Midwest Bank Checking Account Options

• Simply Free Checking is just what the name implies, a simple no-hassle approach to checking that offers unlimited checkwriting privileges with no monthly fee or minimum balance required. This account also includes a free First Midwest Banking Card.
• Classic Interest Checking provides complete checking services and pays interest on the funds in your account. It offers great value to people who write a lot of checks, prefer to carry a lower minimum balance and want to earn interest.
• Total Advantage Checking offers a smart blend of convenience and value that includes a tiered rate structure which allows you to earn a higher rate of interest by keeping more money in your account. This account offers a "Paper" or "Plastic" option that allows you to customize the account features based on your preferences for checkwriting and ATM usage.

Savings Accounts are simple interest bearing accounts that offer safety and liquidity, subject to transaction limitations. Savings accounts are a convenient, low cost way to save regularly for specific financial needs, or to contribute to "emergency" funds. They can be opened with as little as $100 (no restrictions for minors) and no maintenance fees occur when the minimum balance is maintained.

Certificates of Deposits (CDs) offer clients fixed rates of return over a specified period of time, from 30 days to five years. Annual percentage yields are higher than savings accounts and typically increase with the length of term. Certificates are excellent investments for those who do not need liquidity, and because of their predictable return, they can be matched to specific short and medium term savings goals.

Money Market Accounts pay variable money market interest rates on account balances that can be accessed by check for any purpose, subject to transaction limitations. Money Market Accounts generally pay higher interest rates than a Checking with Interest account and are designed for clients who wish to combine an investment savings rate and some cash management conveniences into one account.

The Build-A-Buck Program is an innovative investment vehicle that lets clients make regular additional deposits to automatically renewable certificates of deposit. These regular investments can be set up with automatic transfers from another First Midwest Bank Account. The initial investment is minimal, making Build-A-Buck an ideal strategy for those who need a monthly budget approach to get their savings program started.

Individual Retirement Accounts (IRA) are a smart way to build savings for retirement or higher education expenses while realizing significant tax advantages. There are three types of IRA now available. (Please consult your tax advisor regarding your individual opportunities.)

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