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First Midwest Bank Locations in Your Area

First Midwest Bank has 92 branches and 31,253 ATMs in their region. This traditional brick and mortar bank is a growing regional bank that can provide for many more customers, and has great ATM coverage across the country.

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Learn more about First Midwest Bank

First Midwest Bank was established February 1933. That's more than 50 years ago! It holds assets of 7.98 billion US dollars. That makes it a regional bank that most likely covers their local population well. A point to consider when choosing a bank is it's health. This bank appears to be healthy. It has a texas ratio of 7%. Lower is better!

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First Midwest Bank Branches Customer Reviews

(16 Reviews)
1 out of 5 stars
See all 16 customer reviews
  • C
    Reviewed By Cgray01 Jun 11, 2016


    We applied for a home equity loan and talked to a banker on the phone who gave me a bunch of figures based off of our credit scores (640 and 698) and income and debt to income ratio (less than 25% currently and would be lower with this loan being approved). Said person quoted us $204 up to $400 per month for 10 years for a minimum of an $18,000 loan possibly up to $35,000 (which would be based off of 85% equity being borrowed on our home and how much we would ultimatly be wanting to borrow). I also explained what the loan would be for. I was told that my bankruptcy from almost 5 years ago did not matter. I then emailed with Marcella who requested documents which I sent same day. Did not hear back for several days. Finally heard back and although all of ourdocuments matched up and were verified with what I had explained to Marcella she said that we qualified for 75% equity in our home which she told me we did not have so we were denied. She was very confusing. I said what do you mean we donot have enough equity-we owe $90,000 on our home and it will appraise for over $150,000. She then said that our credit did not qualify, even though she had previously told me that it did. She said that if I would send in documents of home valies in our area and proof that we had paid off a debt item that was showing up on credit report that she would resubmit to underwriting to be approved then. She made it sound as though we were approved comtingent upon me providing this info. I spent 5 hours researching similar home values in our area and sent her 8 homes all valued at over $160,000. I sent proof of the credit report change for the better (made score go up 35 points almost immediately). Again it was another couple of days and then she called to tell me we were still denied for credit and lack of home equity, which was what she said the first time. This company is a total waste of time and has now placed a hard credit inquiry even though i discussed with them what the numbers were and why and they then assured me we would be approved. I will be disputing this inquiry with reasoning of dishonest inquiry. I would have never let them run my credit if i had known they are not really doing with it what they say they are. I do not appreciate Marcella for making me jump through hoops without even considering the documents she requested to be 're-approving' the loan. I mean what company would not want to loan a home equity loan with nearly 40% equity, almost 700 point credit scores, not one late payment in 5 years, a low debt to income ratio, and stable jobs (me 6 years, husband 18). I am now scared to attempt another bank because of this experience. We are wanting the money to do a down payment for a disabled family member to have a home to live in and also consolidate one low credit card balance into it eliminating that payment monthly. We are just really upset that this company took advantage of our time, our credit report, and our family situation. Stay away from this bank and Marcella. She has no clue what she is doing and doesnt think twice about getting hopes up and messing with people's credit.

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  • M
    Reviewed By maylonem May 7, 2016

    don't try to get a loan from

    I have a credit rating of 761 I'll try to get a loan I make more than $50 a year I have enough money coming in to pay all my bills in this loan
    I wouldn't waste you time or the energy to put an application in with this company because they do not look at the credit report and what you bring in to make there decision

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  • G
    Reviewed By gins75 May 4, 2016

    Should not be allowed to take over banks

    I had the same issue as another poster with the takeover of NB&T bank. We had personal & business accounts that we were no longer able to access together. We received mailings for months stating that the change was in name only & in no way would affect our accounts. What a blatant lie! Not only did they change our account set up when I called to get it fixed I was on hold for 35 minutes until I got to speak to an unbelievably rude customer service rep. That's just the first issue.

    Next, I decided to change banks. We had a significant balance in our business account. First Midwest refused to honor the check I wrote to my new account. They kept trying to say it wasn't properly endorsed. Thankfully my new bank fought for me & got my money.

    I never had overdraft protection on my account at NB&T but when I withdrew all my $ from my personal account I missed a pending transaction & wrote a check that shouldn't have been honored. First Midwest took it upon themselves to put overdraft protection on my account, cash the check & proceed to charge me fees for 2 weeks before I was notified in the mail that my account was overdrawn & charged over $100 in fees (for a $13 check by the way).

    Absolutely terrible bank, stay far away from them

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