In response to the previous individual's review: That is because First Midwest Bank has a cut-off time of 5 PM and has 'next day availability', which means any check deposited after 5pm will not be available until two days later because after 5 PM the computers are working a day ahead... For example: deposit a check monday before 5pm, check will be available tuesday morning...deposit a check on monday after 5 PM, the check will be available Wednesday morning. All this is on the accounts disclosure. There's that little pamphlet every customer gets when they open their account, but of course no one takes the time to read it. This results in so many idiots being completely lost and then have the nerve to blame the bank for something that they should have known to begin with if they had taken the time to read the disclosure pamphlet. Only about 4% of First Midwest Bank's customers have common sense. The remaining 96% are complete morons with no common sense and logic whatsoever. Oh and FYI those who tend to use the drive-thru lanes unprepared: Drive-thrus were created for a reason, fast efficient service. It kinda beats the purpose when hundreds of idiots come to the drive-thru unprepared... take your lazy a**es inside the lobby and fill out your paperwork in there.. there is no need to hold up the line in the drive-thru simply because you are to lazy or idiotic (lack of common sense) to come into the lobby to do such things!