Personal Checking Compare your account options and visit a First Midwest location in Columbia, MO to open an account.

First Midwest Bank offers a range of checking account options in Columbia, MO. From free checking accounts to high interest checking, we have accounts to suit your unique banking needs. Learn more about our account options below, or find a location near you.

All of our convenient personal checking accounts include: 

  • Free instant issue debit card
  • eStatements
  • Free mobile banking
  • Free online banking & bill pay
  • Unlimited check writing
  • Only $50 to open any checking account

Columbia High Interest Checking

A High Interest Checking account from First Midwest allows you to do the living while your money does the working— earning you up to 4.00% APY1.

Balances up to $20,000 receive APY of 4.00% and balances over $20,000 earn 0.21% APY on accounts meeting the following requirements:

  • Twelve (12) debit card transactions hard posted during the regular monthly statement cycle (does not include ATM transactions).
  • Have at least 1 automatic payment (ACH) direct deposit or auto debit post and settle. If qualifications are not met, all balances earn 0.01% APY.

Dime-a-time Checking2

Earn a little extra money -a dime at a time- on us! First Midwest will pay you a dime every time you swipe your debit card!

  • Your account will be credited $0.10 every time you swipe your debit card for purchases of at least $5.00. Both PIN and Signature-based transactions are eligible.
  • Have at least 10 debit card purchases post and clear each statement cycle. 
  • Receive eStatements.

Advantage Checking

Checking with interest for those 60+ 

  • No Minimum balance
  • $0 monthly service charge
  • Free standard box of checks per year
  • Tiered Interest Rates3
    • Tier 1: $0-$2,499
    • Tier 2: $2,500-$24,999
    • Tier 3: $25,000 and above

1APY = Annual Percentage Yield. APY accurate as of November 1, 2017, rates may change at any time. $50.00 minimum to open account. For accounts opened in the Columbia, MO market only.

2Account holders will receive $0.10 back for every swipe of his/her First Midwest Bank debit card up to 200 swipes per month ($20.00 reward maximum). No minimum balance is required and no monthly service card. Available to personal accounts only. Account must be opened at First Midwest Bank Columbia location. No length of time requirement for account to be open. The reward will be credited to the account at the end of each statement cycle. Transaction must be hard-posted to account during the statement cycle in order to receive reward. If the account is closed before the cycle date, the accrued reward for that statement will be forfeited. 

3Please obtain a current rate sheet from a customer service representative. This account is subject to variable rates that can be changes at any time at the bank’s discretion. 

EMV Chip Debit Cards

Visit any First Midwest Bank location to instantly receive a new EMV chip debit card. Choose your design from our library of images or select our custom First Midwest design.

Why are chip cards more secure?
Banks are issuing payment cards embedded with security chips to help protect you against fraud at the register. The chip generates a unique, one-time code each time you dip your card at a chip-enabled terminal. The chip is also virtually impossible to duplicate, which means fraudsters will have a much harder time creating counterfeit cards.

Minimum Opening Balance

Debit Card

Online Banking & Bill Pay


Mobile Banking App

Earns Interest **

Free Box of Checks

Monthly Service Charge



Checking with Interest


$0 for balances $500 and over

$6 for balances below $500



A Free Account for Everyone





Checking with interest for those 60+



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