General Information FAQ

Who is First Mid Bank & Trust?

First Mid Bank & Trust (known to many as “First Mid”) was first chartered in 1865 and has since grown into a more than $3.8 billion community-focused organization that provides financial services through a network of 67 banking centers in Illinois and Missouri. Our mission is to fulfill the financial needs of our communities with exceptional personal service, professionalism and integrity.

Backed with a long history of strength and security, First Mid continues to provide innovative products and services designed to meet customers’ needs, while helping communities to prosper and grow. In addition to maintaining the Bauer Financial Five Star rating, we have also received other notable recognitions and awards over the years.

When will Soy Capital Bank become First Mid Bank & Trust (First Mid)?

The “scheduled” date is at close of business on Friday, April 5, 2019. To accommodate the conversion of accounts to First Mid, on Friday, April 5th, the Decatur South Franklin location will close at 3:00 p.m. (CST) and the Decatur US Route 36 location will close at 5:00 p.m. (CST). All other Soy Capital Bank locations will close at their normal Friday time.

Will I be able to bank at other First Mid banking centers?

Yes . You will be able to transact business at any First Mid location beginning Monday, April 8, 2019. To find all First Mid banking centers in your area, visit

Will my bank maintain a personal touch?

Absolutely! When you walk into your First Mid banking center you will see many of the same familiar faces who have always greeted you. First Mid is dedicated to supporting the development and activities of each community while providing you with the personal attention you deserve.

Will bank hours remain the same?

There will be only minor changes to the hours at some locations. A list of the banking center hours effective Monday, April 8 may be found on pages 28-29 of the Customer Guide.

Will there be any changes in bank services?

First Mid offers many of the same products and services offered by Soy Capital Bank. First Mid offers traditional deposit and lending services along with a full line of Wealth Management services, Agricultural services, and Insurance. Your checking and savings accounts will remain the same or be converted to comparable First Mid products.

A comparison of products may be found on pages 17-24 of the Customer Guide. Additional products offered by First Mid may be explored on our website.

Will any of my account numbers change?

Most checking, savings, IRA, certificate of deposit and loan account numbers will remain the same, but a few will change. You will receive a separate personal notification with your new account number if it changes.

If you received notification of a servicer change to your mortgage loan, please refer to that notice for account number information.

Will the bank’s routing number change?

Yes. It’s important to note that the routing number (the nine digit number that identifies a financial institution) will change. First Mid’s routing number is: 071102076

How can I get account information after hours?

First Mid offers access to your account information 24 hours a day, seven days a week through Online Banking and Telephone Banking. Online Banking is available at or through our Mobile Banking app. Telephone Banking is available toll-free at 800-500-6085 – see Personal Electronic Services for details. You may also use an ATM to obtain balance information.

Customer Support Center hours are Monday – Friday, 7:00 a.m. – 6:00 p.m. (CST) and Saturday, 8:00 a.m. – 2:00 p.m. (CST) and can be reached at 877-888-5629.

Where can I go for more information?

You can talk to the employees at your banking center or visit us on the web at for more information. You may also contact any existing First Mid banking center or call our Customer Support Center at 877-888-5629. We want to make this transition as easy as possible and will gladly answer any questions you may have.

Will my account be covered by FDIC insurance?

Coverage by the FDIC will remain in effect for your funds on deposit as per current Federal guidelines. Presently each depositor is insured to at least $250,000, an amount that may be higher based on multiple account ownership categories. You can determine your FDIC coverage by using the FDIC’s helpful online tool:

I have previously received year-end tax forms on my deposit or loan account from Soy Capital Bank. Who will I get them from for 2019?

You will receive 2019 tax forms from First Mid for activity that occurs in 2019 if the amount exceeds the minimum reportable required by the IRS.

What is First Mid’s wire processing schedule?

Retail customers can initiate out-going wire transfers at any of our branch locations.

Outgoing wire transfers completed at the branch, Monday through Friday (excluding bank holidays), before 2:30 p.m. (CST) will be sent the same day. Any outgoing transfers completed after the 2:30 p.m. cut-off time will be sent out on the next business day.

Incoming wire transfers received by First Mid, Monday through Friday, before 4:00 p.m. (CST) will be posted to the customer’s account on that day. Any incoming transfers received after the 4:00 p.m. cut-off time will be posted to the customer’s account on the next business day.

No wire transfers are processed on Saturdays, Sundays or holidays.

For business customers please see Business Electronic Services FAQs for more information.