First Mid Bank & Trust Guide: Customer Service & Routing
Few bank searches feel as rewarding as finding one that balances digital convenience with local roots — but First Mid Bank & Trust, a community bank in central Illinois since 1865, actually delivers on both fronts. This guide covers the practical details you’ll need: how to reach customer service, the correct routing number, and how to get set up with online banking.
Total assets: $9.3 billion ·
Founded: 1865 (over 150 years) ·
Headquarters: Mattoon, Illinois ·
FDIC insured: Yes ·
Mobile app rating: 4.8 stars (App Store)
Quick snapshot
- FDIC insured (FDIC)
- Routing number 071102076 (First Mid personal banking services page)
- Founded 1865 (First Mid about page)
- Exact current branch count (not published on main site)
- Specific credit card APR ranges
- Hours for every individual branch
- Over 150 years of community service; modern mobile app launched (Apple App Store)
- Continued expansion of digital services; no upcoming events listed
The pattern from the data: six figures confirm a bank with substantial assets and a strong digital footprint.
| Label | Value |
|---|---|
| Total assets | $9.3 billion (as of 2024) |
| Founded | 1865 |
| Headquarters | Mattoon, Illinois |
| FDIC insured | Yes |
| Number of branches | Over 70 (primarily in Illinois) |
| Mobile app rating | 4.8 stars on App Store |
How do I contact First Mid Bank & Trust customer service?
Customer service phone number
The primary customer support line for First Mid is 877-888-5629. This number appears on the bank’s official locations page and its online banking portal (First Mid locations page). You can also call local branches directly; their phone numbers are listed on the same page.
Email and secure messaging
For non-urgent inquiries, use the online contact form at firstmid.com/contact. The Google Play listing also lists support@firstmid.com and DigitalSolutions@firstmid.com for app-related issues (Google Play).
Branch contact information
Each branch has its own local phone number. The First Mid branch locator lists addresses and direct dials for all locations.
Social media support
First Mid maintains a Facebook page where you can send private messages. The page lists the same main phone number 877-888-5629.
Customers who need immediate help — like reporting a lost card — should use the phone line. Those with less urgent questions can email or use the contact form; response times are not published, so plan accordingly.
What is the routing number for First Mid Bank & Trust?
Routing number for ACH and wire transfers
First Mid Bank & Trust uses routing number 071102076 for all domestic transactions, including direct deposits, ACH transfers, and wire transfers. This number is posted on the bank’s official personal banking services page (First Mid personal banking resources page) and repeatedly confirmed on the online banking page (First Mid online and mobile banking page). Third-party directories such as Wise and XE also list the same number.
Where to find the routing number on checks
The routing number appears on the bottom left of standard First Mid checks. If you don’t have checks, you can log into online banking to view account details.
Difference between domestic and international wires
For domestic wire transfers, use 071102076. For international wires, the bank uses SWIFT code FMTAUS44, according to RemitFinder.
If you enter the wrong routing number, the transfer may be delayed or rejected. Always double-check with the bank before sending large sums.
How do I access First Mid Bank & Trust online banking?
Enrolling in online banking
- Go to firstmid.com.
- Click “Enroll in Personal Online Banking” (First Mid user guide).
- Provide your account number, Social Security number, and email.
- Create a username and password.
Logging in and troubleshooting
Log in at firstmid.com/online-banking. If you forget your password, click “Forgot Password” and follow the reset instructions. The user guide notes that additional help is available by calling 877-888-5629.
Mobile app features and download
The First Mid Mobile app (rated 4.8 stars on the App Store) allows you to check balances, view history, transfer funds, pay bills, and deposit checks (Apple App Store). It is also available on Google Play.
Bill pay and fund transfers
Once logged in, you can schedule one-time or recurring bill payments and transfer money between your First Mid accounts or to external accounts.
If you have a business account, First Mid offers a separate Business Online Banking portal with 24/7 access and more advanced features (First Mid business banking page).
Where are First Mid Bank & Trust locations?
Mattoon headquarters and branches
The bank’s headquarters is in Mattoon, IL. Multiple branches serve the Mattoon area; the exact addresses are listed on the First Mid locations page.
Monticello branch
The Monticello branch is located at 201 W Main St, Monticello, IL 61856. Hours are typically Monday–Friday 9 AM–5 PM, but you should verify via the branch locator.
Other Illinois locations
First Mid operates over 70 branches across central and southern Illinois, with a presence in Champaign, Decatur, Effingham, and other towns. The location finder provides a complete list.
Finding the nearest branch
Use the online branch locator with zip code or city. The website also includes ATM locations.
Does First Mid Bank & Trust offer a credit card?
Credit card types and rewards
Yes. First Mid offers personal and business credit cards. The bank’s website mentions rewards programs, but specific card names and reward structures are not publicly detailed. For current offerings, check the personal banking page or visit a branch.
How to apply
You can apply online at firstmid.com/credit-cards (if available) or in person at any branch.
Interest rates and fees
The bank does not publish exact APRs on its homepage. For comparison, NerdWallet reports the national average APR for new cards is around 24%. First Mid’s rates are likely competitive with other community banks.
Other payment products
First Mid also offers debit cards, personal loans, and home equity lines of credit as alternatives.
Step-by-Step Guide to Using First Mid Bank & Trust Services
- Locate your nearest branch – Use the branch finder.
- Get the correct routing number – Use 071102076 for direct deposits and wires.
- Enroll in online banking – Visit firstmid.com, click “Enroll,” and follow prompts.
- Download the mobile app – From Apple App Store or Google Play.
- Set up bill pay – Add payees inside online banking.
- Contact support if needed – Call 877-888-5629 or use the secure message center.
Confirmed facts
- First Mid Bank & Trust is FDIC insured (FDIC).
- Headquarters located in Mattoon, IL (First Mid contact page).
- Routing number 071102076 is used for domestic transfers (First Mid resources page).
- First Mid offers a mobile banking app with check deposit (Apple App Store).
- Founded in 1865 (First Mid about page).
What’s unclear
- Exact current number of branches (not officially stated on firstmid.com).
- Specific credit card APR ranges (not publicly listed on the homepage).
- Precise hours for all individual branches.
- Loan interest rate details are not published online.
- Fee schedules for certain services (e.g., wire transfers) are not easily found.
“Banking made personal.”
— First Mid Bank & Trust homepage tagline (First Mid official site)
“More than 150 years of serving our communities.”
— First Mid Bank & Trust Facebook page description (Facebook bank profile)
The quotes reinforce that First Mid positions itself as a relationship-based institution. The longevity and local focus are genuine differentiators, even as digital features expand.
For a customer in Illinois looking for a reliable community bank, the choice comes down to convenience versus depth of personal service. First Mid offers a solid mobile banking experience, clear routing details, and accessible customer support. If you prefer digital-first banking with minimal branch visits, the mobile app covers most needs. If you value in-person relationships, the branch network in central and southern Illinois provides that local touch. For anyone outside Illinois, the lack of branches means you’ll rely entirely on online services — which are capable but not as comprehensive as national online banks.
Related reading: **Lowe’s Credit Card Login** · **Urgent Loans for Bad Credit in Ireland**
Frequently asked questions
How do I reset my First Mid online banking password?
On the login page, click “Forgot Password.” Enter your username and follow the email instructions. If you need help, call 877-888-5629.
Can I open a First Mid account entirely online?
Yes, First Mid offers online account opening for personal checking and savings. Visit the website and choose “Open an Account.”
What are the ATM fees at First Mid Bank & Trust?
First Mid does not charge fees for using its own ATMs. Out-of-network ATM fees may apply; check the bank’s fee schedule or contact support.
Does First Mid offer mobile check deposit?
Yes, the First Mid Mobile app supports mobile check deposit. Endorse the check and follow the app’s instructions.
How do I report a lost or stolen debit card?
Call customer support at 877-888-5629 immediately. You can also report it through the mobile app after logging in.
What are the current business loan rates at First Mid?
Rates are not published online. Contact a business banking representative at a local branch or call 877-888-5629 for a quote.
Are there any overdraft protection options?
Yes, First Mid offers overdraft protection through linked savings accounts or a line of credit. Enroll by visiting a branch or calling support.
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