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? Bank Midwest Online Banking and the Bankmw Mobile Banking app make it easy for our personal and small business clients to bank anywhere with convenient features such as: view balances and recent transactions, pay recurring and one-time bills, view statements, send money to people you know and trust, transfer funds between internal and external accounts, lock your debit card with card controls, self-service username and password resets, mobile check deposit (mobile app only), and enhanced small business features, including a convenient username toggle between Personal and Small Business accounts Is there a fee for using Online Banking? No! Online and Mobile Banking are complimentary tools for our clients. How do I access my account in Online Banking? You can access Online Banking by visiting bankmw.com, clicking the ‘Login’ button, and selecting ‘Personal Online’ or ‘Small Business Online’. For Mobile Banking, you can download the Bankmw Mobile Banking app from the Apple Store or the Google Play Store. How do I enroll in Online Paperless Statements? You may easily convert to Online Paperless Statements during the enrollment process when you first enroll in Online or Mobile Banking. You may also enroll within Online Banking anytime by selecting your name in the top right corner, then Enroll under Paperless Statements, or from the Mobile Banking app by selecting ‘More’ then ‘Go Paperless’. You may login at any time to view your statements and notices, and statements are available online for up to 7 years. Can I access my Online Paperless Statements from previous years? Yes, Online Statements go back up to 7 years. How do I download transactions? Transactions can be downloaded when viewing your account details page by selecting ‘Download’ above your transactions. You can then select your preferred formatting and time frame in which to download. In the Mobile Banking app, where do I see my Account Details? On our mobile app, after signing in, you can see your transactions by clicking on the account. You will be presented with a list of transactions in the ‘Transaction History’. Additionally, your account details can be viewed on the same screen by selecting the ‘Account Details’ button located above your transactions. Here, you will see your full account number, routing number, interest rate (if applicable) and current year to date and previous year dividends. How do I deposit checks in mobile banking? The mobile app provides a fast and easy way to make deposits on the go. Simply login to Bankmw Mobile Banking and select ‘Deposit’ from the menu along the bottom of the screen. Follow the on-screen instructions to deposit your check(s). Can I transfer funds between Bank Midwest and non-Bank Midwest accounts? Yes, you can now transfer funds between internal or external accounts in online or mobile banking. What types of transfers can I make in Online and Mobile Banking? You can send and transfer money in a variety of ways, including Internal Transfers, External Transfers, and Quick transfers to family and friends who also us Bankmw Mobile Banking or Bank Midwest Online Banking. You can now also send and receive money through Zelle® from Online Banking or the Bankmw Mobile Banking app. How do I pay my loan? If paying from an internal account, payments can be made from Online or Mobile Banking under the transfer section. You can also continue to utilize our Quick Pay feature to pay from an external account. Where do I see future-dated scheduled transfers? You can see future scheduled transfers by clicking on the account. They will show at the top of the transaction list within Online Banking and on the Bankmw Mobile Banking app. How do I add an external bank account for transfers? You can add an external account for transfers to/from your Bank Midwest account(s) by selecting ‘Transfers’, then ‘From Account’, then ‘Add New Account’. You can then add the account by authenticating with credentials or using micro deposits. If using the micro-deposit option, on the mobile app you can verify the micro-deposits by selecting ‘More’ in the bottom right, then selecting ‘Linked Accounts’. Under ‘External Accounts’ you will have the new relationship listed with blank spaces for the first amount and second amount. Once entered, selecting ‘Verify’ will complete the process. From Online Banking, you can click on your Name in the top right corner, then ‘Settings’ and ‘Link Accounts’. Where should I expect to see my External Transfer? External transfers take place immediately after submitting. It can take up to 5 minutes to show in your transaction history. What is Friend to Friend Transfer and how does it work? Friend to Friend is a new transfer tool that allows friends and family who also bank with Bank Midwest to transfer funds. The recipient will need to share their account number with you to set up the transfer. If I've forgotten my password for Online or Mobile Banking, how can I reset it? We now provide a self-service password reset feature in online and mobile banking that will make it faster and more convenient to securely reset your password. You can also call our Client Services and Solutions team at 800.867.2265. How do I establish Alerts? Alerts will need to be reestablished in our new Online and Mobile Banking system. To setup alerts go to ‘Settings’ and select ‘Alerts & Security’. If on a mobile device select ‘More’ and then ‘Alerts’. How do I turn off my debit card if I misplace it? You can turn your card on and off in the mobile app in the event you misplace your card or experience fraud. Our new platform also makes this option available within online banking. How do I change my Username? You can easily change your Username/Password and update your Email Address/Phone Number by clicking ‘Setting’ then ‘Profile’ in online banking or by clicking ‘More’, then ‘Profile’ in the mobile banking app. I'm a Small Business User, how do I toggle between accounts? We now provide the ability to link your personal and business profiles together for easy connectivity. When you login to online banking, select ‘Remember This Device’ then select your name in the top right corner of the screen. Select ‘Link another profile’ and be directed to login to the other profile(s) you access. You will be prompted with a onetime security code to complete the linking process. You can then simply select your name in the top right corner and see a breakdown of any linked profiles. How do I use online Bill Pay? Sign in to Online Banking and select the ‘Transfer’ tab to access Bill Payments. How do I cancel a bill payment? From the ‘Pending Payments’ section on the Bill Payments page, click ‘Cancel’ for the appropriate payment, if it has not yet been sent. The ‘Cancel Payment?’ Window will appear. Click ‘Cancel Payment’ to complete cancelling your payment. How do I set up recurring or schedule transfers? To establish a recurring external transfer, select ‘Transfer’, fill out the information and adjust the ‘Frequency’. How do I add an External Transfer account? You have the option to instantly add or manually add an external account to your profile in either online banking or the mobile app. If you do not see your bank on the list, you will need to add using the manual process. If adding manually, you will need to verify micro-deposits under ‘Settings’ then ‘Linked Accounts’. If I login with a 'Company ID' through Business Online, will the recent upgrade impact me? If you are a business using our Business Online platform, this transition does not affect you. These changes outlined do not apply to the Business Online system. Can I login using fingerprint or facial recognition on the Bankmw Mobile Banking app? Yes, if your phone supports fingerprint or facial recognition such as Touch ID/Face ID, you can enable in the app, by logging in, selecting ‘More’, then under ‘Login & Security’ you can unlock for fingerprint or facial recognition. How do I enable multi-factor authentication (MFA)? Under ‘Settings’ click on the ‘Security’ tab and then you can add additional authentication devices or an authenticator app such as Google Authenticator. How do I logout of Online Banking? You can easily log out of online banking by clicking on your name in the top right corner, then ‘Log out’. 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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