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a Business Checking Account

Choosing the right checking account is like choosing the right paint color for your home – it becomes the foundation on which you build and decorate your life.

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Non-Interest Bearing Accounts for Everyday Use

Each of our checking accounts is designed differently, with unique features focused on serving your needs.

First Merchants First Business Checking

The checking account for small businesses with big benefits and no minimum balance requirements.


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First Merchants Basic Business Checking

The checking account for businesses that have larger transaction volume and maintain higher balances.

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First Merchants Commercial Checking

The account that can accommodate the most basic or complex banking needs.

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Free Online 1 , Mobile Banking
Checkmark Black
Checkmark Black
Checkmark Black
Interest bearing
Limits2/Eligibility
100 free items per month plus unlimited ACH credits and debits received, then $0.50 per item.
300 free items per month plus unlimited ACH credits and debits received, then $0.50 per item.
Minimum opening deposit
$100
$100
$100
Monthly service fee
None
No monthly service charge with a monthly average collected balance of at least $5,000, otherwise $20 per month.
Assessed based on monthly account activity. Fees may be reduced or eliminated.


1Standard Business Online Banking is available for no monthly fee. Additional charges may apply for certain services.

2Items include checks paid, checks deposited, deposited items and various other debits.

Interest Bearing Accounts for Everyday Use

Our interest bearing accounts is designed with unique features for your business.

First Merchants Business Interest Checking

Your account balance earns interest and more with Business Interest Checking.

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Free Online 1, Mobile Banking
Checkmark Black
Free Business Debit Card 2
Checkmark Black
Interest bearing
Checkmark Black
Limits3/Eligibility
Minimum opening deposit
$100
Monthly service fee
No monthly service charge with a monthly average collected balance of at least $7,500, otherwise $20 per month.


1Standard Business Online Banking is available for no monthly fee. Additional charges may apply for certain services.

2Use of debit/ATM card in an ATM not owned by First Merchants Bank may result in ATM service charges from the bank and the institution that owns the ATM.

3Items include checks paid, checks deposited, deposited items and various other debits.