Personal Banking FAQs Get answers to your questions about Bank Midwest's personal banking services. Personal Checking Do you offer Overdraft Protection? Overdraft Privilege comes with eligible accounts as part of our standard overdraft practices. Visit our Overdraft Protection page for more information. What do I need to apply? To apply for a checking or savings account, you will need the following information for each account owner: Social Security number, Driver's license or State ID, home address and email address. If you want to transfer money from an account at another bank, you will also need the account information and routing number found on your checks. How do I access my account? Access your account online, through mobile banking, by calling TeleBank24, or by visiting your local banking center. I'm not a U.S. citizen. How can I apply for an account? Non-U.S. citizens can open an account by visiting a banking center. Please call your local banking center for additional details. How do I find my account number? Your account number can be found on your statements or checks. You can also call or visit your local banking center. How do I find my routing number? The Bank Midwest routing number is 101006699. What are your hours? Hours vary by location, and can be found on our locations page. Where can I find my nearest banking center location? Please visit our locations page. How do I update my contact information? Contact information can be updated through online banking, by visiting your local banking center or by calling our Client Services & Solutions team at 800.867.2265. How do I speak with a Client Services & Solutions representative about my account? Call our Client Services & Solutions team at 800.867.2265. When are funds available after deposit? Most funds are available next business day. Please call our Client Services & Solutions team at 800.867.2265 for more information about when your funds will be available. How do I check my account balance? Access your account online, through mobile banking, by calling TeleBank24 or by visiting your local banking center. Personal Checking: Checks How do I order checks? Order new checks through online banking, or by visiting your local banking center. How much does it cost to order checks? Prices on checks vary by the checks selected. Premium Checking clients are offered a discount on checks, for more information call your local banking center. Can I view check images online? Yes, you can view your deposits and checks by signing in to online banking. How do I deposit checks? We offer many ways to deposit checks. You can deposit at your local banking center, through mobile banking, or at an ATM. Personal Checking: Credit Cards Can I set up alerts to track my credit card usage and account activity? Yes, please login to your credit card account here for more information on the alerts you can set up for your credit card. What credit cards do you offer? We offer a variety of credit card options, please see visit our page with information on our credit cards and rewards. How do I request a credit line increase? Please login to your credit card account here, or call Elan Financial Services. How do I transfer a balance? Just follow these three easy steps: Login to your credit card account From the "Your Accounts" Page, select the desired credit account. Or from "Services" select "Balance Transfer" from the "Account" section. Select the "Request a Convenience Check or Balance Transfer" link Personal Checking: Debit Cards How do I order a new debit card? To order a new debit card, please visit your local banking center. How do I temporarily lock my card? If your card has been lost or stolen, please call your local banking center or our Client Services and Solutions team at 800.867.2265. What should I do if my card is lost, stolen or I suspect fraudulent debit card transactions? Please call your local banking center or our Client Services and Solutions team at 800.867.2265. If after hours, please call 866.392.9952. How do I dispute a transaction on my debit card? Please call your local banking center or our Client Services and Solutions team at 800.867.2265. What is a chip card? A chip-enabled or chip card is a credit or debit card that contains a small embedded chip. Every time you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud. Are there transaction fees when I use my debit card? When using your card in the United States there are no transaction fees on point-of-sale purchases or purchases made online. What are the ATM transaction fees? There is no fee for using Bank Midwest ATMs if you are a client, for a list of Bank Midwest ATMs please click here. For a list of other ATM fees, please contact your local banking center or call Client Services & Solutions at 800.867.2265. How do I change my debit card PIN or request a new PIN? Please call your local banking center or our Client Services and Solutions team at 800.867.2265. If after hours, please call 866.392.9952. What do I do if I plan to use my debit card during international travel? Please contact your local banking center before traveling. What is the difference between signing and using my PIN to authorize a debit card purchase? Signing for purchases is safer because it prevents scammers from being able to "skim" your PIN number, or by looking over your shoulder to steal your number. For more information about protecting your PIN, visit the security section. Can I set up alerts to track my debit card and account activity? There are many options for alerts, please visit the "Manage Alerts" section after signing in to online banking for a complete list. Personal Checking: Online & Mobile Banking What are the features and benefits of Online Banking? For a list of features and benefits of Online Banking, please visit our Online & Mobile Banking page. Is there a fee for using Online Banking? Online banking is a free tool for our clients. For a list of features and benefits of Online Banking, please visit our Online & Mobile Banking page. How do I access my account in Online Banking? If you have not signed up for Online Banking, enroll today. If you have signed up, simply sign in via the sign in box on our homepage. How do I use online Bill Pay? Sign in to Online Banking and select the "Pay and Transfer" tab in the Mega Menu and under the "Bill Payments" menu select "Pay Bills." You can also select the "Pay Bills" icon in the Money Center Widget. How do I cancel a bill payment? From the "Pending Payments" section on the "Make Payments" page, click "Cancel" for the appropriate payment. The "Cancel Payment?" Window will appear. Click "Cancel Payment" to complete cancelling your payment. How do I transfer funds in Online Banking? You can transfer funds between accounts or transfer to other financial institutions via Online Banking, for more information please visit our Online & Mobile Banking page What types of transfers can make in Online Banking? Internal Transfers, External Transfers and People Pay are some of the ways you can transfer funds in Online Banking. How do I set up recurring or schedule transfers? To establish a recurring external transfer, select the hyperlink below "Transfer On Date" field when entering an external transfer. Or select the "Pay and Transfers" tab in the Mega Menu and in the "External Transfers" menu select "Make a Recurring External Transfer." Can I transfer funds between Bank Midwest and non-Bank Midwest accounts? Yes, you can complete internal and external transfers between bank accounts. Is Online Banking safe and secure to use? After you sign in to Online Banking, on the next screen, you will see an additional layer of security that shows you are connected to a safe server. Look at your browser’s address bar. If all, or a portion of it is green, your connection is safe. If it is not green, stop the sign in process and try clearing your cache and cookies. If the address bar still isn’t green, contact us for assistance. How do I enroll in mobile banking? You must be enrolled in Online Banking to enroll in mobile banking. Once enrolled in Online Banking, download our mobile app from the Apple Store or the Google Play Store and set up your account. What features are available in mobile banking? For a list of features and benefits of Mobile Banking, please visit our Online & Mobile Banking page. How do I deposit checks with mobile banking? Sign in to Mobile Banking and select "Deposit" from the menu in the lower right hand corner. Follow the on-screen instructions to deposit your check. If you have not signed up for mobile check deposit, please call us at 800.867.2265. Can I transfer funds between Bank Midwest and non-Bank Midwest accounts in mobile banking? No, this can only be done online. Currently only internal transfers can be completed via our mobile banking app. If I've forgotten my password for online banking, how can I reset it? You can either do a self-service reset by signing into online banking using your username and clicking "Forgot Your Password" on the next page. Or, you can call our Client Services and Solutions team at 800.867.2265. Personal Checking: Safe Deposit Box How do I open a safe deposit box? To open a safe deposit box, you will have to visit your local banking center. Please visit our locations page to find the location nearest you that offers Safe Deposit Boxes. How do I request changes to my safe deposit box account? To make changes to your safe deposit box, you will have to visit your local banking center. Please visit our locations page to find the location nearest you that offers Safe Deposit Boxes. How do I close my safe deposit box? To close your safe deposit box, you will have to visit your local banking center. Please visit our locations page to find the location nearest you that offers Safe Deposit Boxes. Personal Checking: Savings Accounts What savings accounts does the bank offer? From a simple account like Smart Savings to interest-earning savings accounts, we have a savings solution to meet your unique needs. Do you offer education savings accounts? Yes. We are proud to offer Coverdell Savings accounts to help you save and pay for qualified elementary, secondary, or post-secondary education expenses. Is a minimum deposit required to open a savings account? Our savings accounts have minimum balances to open. For more information, check out our Savings page. How do I apply for a savings account? You can apply for at a local banking center. When do I start earning interest for a savings account? Interest begins accruing on the business day after the account is opened. How is interest paid on my savings account? Interest is automatically deposited into your account. What is a certificate of deposit? Certificates of Deposit (CDs) are accounts where you place money that is not readily accessible for a set period of time in order to earn more interest. For more information, please contact your local banking center. Personal Checking: Statements How can I receive my monthly account statements? Our statements are available in paper form or online. Are paper statements available? Paper statements are available. Why should I enroll in electronic statements? Enrolling in electronic statements is a safer and more convenient way to receive your monthly bank statements because you receive your statements as soon as they cut, and your account information does not sit in your mailbox. How do I enroll in electronic statements? You can enroll in electronic statements by signing into online banking, and clicking the "Customer Service" tab in the mega menu, or by visiting your local banking center. How far back are electronic statements available? Electronic statements are available for the previous 7 years. Is there a fee for statements? There is no fee for statements. How do I request a paper statement? Statement changes can be made by signing in to online banking or by calling or visiting your local banking center. Personal Checking: Wire Transfers How do I initiate a wire transfer? Outgoing wires are initiated at your local banking center. What are the cutoff times for wire transfers? Wires must be sent by 3 pm (CT). Personal Borrowing: Home Equity How do I apply for a home equity loan or line of credit? To apply for a home equity loan or line of credit please visit you local banking center. What is the difference between a home equity loan and line of credit? A home equity loan is a one-time lump-sum loan, often with a fixed interest rate and a home equity line of credit is a line of revolving credit with an adjustable interest rate. How do I access my home equity line of credit for withdrawals? You can access your funds at your local banking center, through online banking or through mobile banking. How do I make a payment to my home equity loan or line of credit? You can pay your home equity loan or line of credit at your local banking center, through automatic payment or by mail. What is the draw period and what happens at the end of draw? The draw period is 10 years. If the minimum monthly payment amount is paid you may have balloon balance owed and due at the loan maturity date. What is loan-to-value ratio? The loan-to-value ratio is up to 90%, based on credit score, debt to income ratio, collateral value and overall loan amount. Please contact your local banking center for more information.
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