Enhancement Consumer FAQs

Yes. Your notification will now say you have a new eDocument ready to view when your eStatement is available. Watch this helpful how to video to learn more about viewing your account statements.

• Expanded payment and transfer options are now available, including payments to external accounts.
• You now have a new customizable dashboard with an initial screen that includes account balances, goals, and transaction history a single click away.
• Explore the expanded alert options! You can set up new, customizable alerts—including new text alerts – to stay on top of your account activity.
• Get a complete picture of your finances, track your budget and spending, see your net worth, and explore how Financial Tools can offer you better insight into your financial wellness.
• Monitor your credit by opting into our new Credit Score tool, SavvyMoney. See your current credit score, credit report highlights and personalized financial education.

From the app or online banking, select the “More” menu, then select “Account Services”, then look for a link to “DMI Mortgage Payments”.

Yes! may need to set up your Zelle® contacts when you log in for the first time. Zelle® will be available in online banking and the mobile app. View the helpful how to video.

You can reorder checks within the Account Services section of Mobile and Online Banking. Just choose Check Reorder and select the appropriate account. You can also visit your local banking center or call customer service at 1.800.205.3464.

Your debit card controls will remain active; however, you must set up your debit card alerts the first time you sign in. View the helpful how to video.

Yes. Explore the expanded alert options! You can set up new, customizable alerts—including new text alerts – to stay on top of your account activity. View the helpful how to video.

• Access the new App!
  • Apple Users: Update your app from the Apple App Store now. If you have automatic updates enabled, your app may update automatically.
  • Android Users: Uninstall your existing First Merchants app and download our brand new FMB Banking app from the Google Play Store. Need help uninstalling your old app? Click here for help.
• Check your inbox for an email from us sent Monday, February 26 for instructions to log in.
• Explore the expanded alert options! You can set up new, customizable alerts—including new text alerts – to stay on top of your account activity.
• Get a complete picture of your finances, track your budget and spending, see your net worth, and explore how Financial Tools can offer you better insight into your financial wellness.
• Monitor your credit by opting into our new Credit Score tool, SavvyMoney. See your current credit score, credit report highlights and personalized financial education.

The new mobile app and online banking experience will have new features, more convenience, and enhanced security. Additionally, we are broadening the range of functionality on our mobile app and online banking, enriching your experience with various new and distinct features to help you prosper.

Yes, the online and mobile banking service utilizes state-of-the-art security, such as HTTPS, 128-bit SSL encryption, password access and application time-out when your device is not in use.

Yes, the app allows you to make a mobile deposit by taking photos of the front and back of the check, just as you did before. View the helpful how to video.

No. You will need to set it up the first time you log in.

Responses from First Merchants Text Banking come from 226563.

 

Yes. Online and Mobile Banking will use the same Username and Password across devices.

Check your inbox for an email from us sent Monday, February 26 for instructions to log in.

No, you can register your computer or device once you have entered a verification code. Once your computer or device is registered, you will skip the verification code requirement when you log in again. To register your computer or device, click "Register Device." 

You choose how you want to receive your verification code: by text or phone call. We need your current phone number for you to receive your verification code.

A verification code is a unique, single-use, 6-digit code that protects against fraud by safeguarding your online transactions and sensitive information. A verification code is another level of authentication after entering your Username and password, providing more online security.

We will let you know how to log in by email when the new system is available. During the login process, we will send a verification code to your phone number on file with us—you will not be able to access the system without it. You will choose whether to receive your verification code by text or phone call.

• Apple Users: Have automatic updates? You’re all set. If not, you’ll be prompted to update next time you open the FMB Banking app.
• Android Users: Uninstall your existing First Merchants app and download our brand new FMB Banking app from the Google Play Store. Need help uninstalling your old app, click here for help.

Yes. Make a note of any custom alerts and debit card control alerts you have. They must be set up when you log in to the new system for the first time. Custom alerts include Account, Date, History, Insufficient Funds, Transaction alerts, etc. Automatic alerts, such as fraud alerts, will continue to be delivered to you. Alerts can be delivered via the system's secure mailbox, email, phone, or text.

With a customizable dashboard, depending on your account type, you can select which balance (running, available, or collected) you prefer to see. You will see a running balance when you log in for the first time.  

• Running Balance: Shows in transaction history for all posted transactions. Takes current balance and adds/subtracts all transactions in order starting at most recent. A running balance will show on both desktop and mobile for POSTED transactions. Anything PENDING will not have the running balance calculation applied.
• Current Balance: Reflects the amount of money in an account at any given moment. It includes transactions completely processed on both ends and posted to an account. Pending transfers or payments that have been authorized but have not yet been fully processed may be listed in your transaction history but are not included in the total. So, any debit card payments, mobile deposits, or automatic bill payments that haven't been fully processed are not calculated into the current balance.
• Available Balance: This shows the current balance minus any pending transactions that have not been fully processed, providing a more accurate reflection of how much money is available to spend.

Yes. Your debit card controls will remain active; however, you must set up your debit card alerts the first time you sign in.

You can order checks in the mobile app and online banking with a seamless single sign-on experience.

Yes, the app allows you to make a mobile deposit by taking photos of the front and back of the check, just as you did before. View the helpful how to video.

Yes! You will be able to easily use Zelle^®. You may need to set up your Zelle^® contacts when you log in for the first time. Zelle^® will be available in online banking and the mobile app.

Yes. You'll just need to answer some questions to verify your identity.

Registering a device is an additional security measure to prevent unauthorized persons from accessing your account. Customers should only register personal devices, not shared. If someone registers their device, they are telling us that they want us to remember that device when they login in the future.  Their device will be recognized and they will not have to request a verification code to login, they can just enter their username and password.  This is browser specific so if, for instance, they registered from their computer in Google and registered their device, then if they logged in from Edge their computer would not be recognized as having been previously registered and they would have to get a verification code to proceed.

A Secure Access Code, also known as a verification code, is a distinctive, one-time-use, 6-digit code designed to enhance security and protect your online transactions and sensitive data from fraud. This code is delivered to your registered phone number via text or voice call, based on your preference. It acts as an additional layer of authentication beyond your Username and password, thereby bolstering your online security.

• Access the new App!
  • Apple Users: Update your app from the Apple App Store now. If you have automatic updates enabled, your app may update automatically.
  • Android Users: Uninstall your existing First Merchants app and download our brand new FMB Banking app from the Google Play Store. Need help uninstalling your old app? Click here for help.
• Check your inbox for an email from us sent Monday, February 26 for instructions to log in.
• Explore the expanded alert options! You can set up new, customizable alerts—including new text alerts – to stay on top of your account activity.
• Get a complete picture of your finances, track your budget and spending, see your net worth, and explore how Financial Tools can offer you better insight into your financial wellness.
• Monitor your credit by opting into our new Credit Score tool, SavvyMoney. See your current credit score, credit report highlights and personalized financial education.

First Merchants will never text, call or email you to ask for your personal information, password, account number or debit card number – but scammers might. Only log in to your account from https://www.firstmerchants.com, our mobile app, or when you call our telephone banking line. If someone contacts you and you are unsure if it’s us, call us directly at 800-205-3464 for help.

The FMB Banking App is available for both Android and Apple devices. Our system is designed to ensure broad compatibility across various devices and platforms. For mobile users, the FMB Banking app supports iOS 11.x and later versions, as well as Android 9.x. For Apple Watch users, version 8.x and onwards is compatible. On desktop, we recommend using the latest versions of Google Chrome, Mozilla Firefox, and Microsoft Edge for Windows users, and Apple Safari for macOS, ensuring a seamless experience across all major browsers. This includes support for any previous versions that continue to receive updates from their respective developers—Microsoft, Google, Mozilla, and Apple.

You have access to at least 90 days of transaction history and 18 months of eStatement history available. To learn how to view your historical eStatements, watch this helpful how to video.

• Make sure you are using the new FMB Banking app (Apple, Android).
• Our system is designed to ensure broad compatibility across various devices and platforms. For mobile users, the FMB Banking app supports iOS 11.x and later versions, as well as Android 9.x. For Apple Watch users, version 8.x and onwards is compatible. On desktop, we recommend using the latest versions of Google Chrome, Mozilla Firefox, and Microsoft Edge for Windows users, and Apple Safari for macOS, ensuring a seamless experience across all major browsers. This includes support for any previous versions that continue to receive updates from their respective developers—Microsoft, Google, Mozilla, and Apple.
• If you are having trouble logging in, you can select the link at the bottom of the login box for “Account Recovery” on the app, or “Forgot Login ID” on the Personal Online Banking in the login box located at www.firstmerchants.com. This will allow you to retrieve your username, unlock your account and change your password. If you still need help, call customer service at 1.800.205.3464.

If you enter your password incorrectly too many times, your access will be temporarily restricted for your security. From the login screen on the app or online banking, click “Account Recovery”, then “Unlock User”, and follow the steps to unlock your access.

If you have forgotten your username or password, please select the link at the bottom of the login box for “Account Recovery” on the app, or “Forgot Login ID” on the Personal Online Banking on the login located at www.firstmerchants.com. This will allow you to retrieve your username, unlock your account and change your password. If you need help, please call customer service at 1.800.205.3464.

Ask us here, call Customer Service at 800.205.3464 Monday - Friday 8:00 AM - 8:00 PM, Saturday 9:00 AM – 3:00 PM, or visit your local banking center.

There is no cost to use online and mobile banking; however, your wireless carrier may charge fees for data.

Our Personal Clients will have access to a new resource called Savvy Money. SavvyMoney helps you monitor your credit. It tells you your current credit score and what is on your report at any given time. Furthermore, it enables you to learn what impacts your credit score and how to take advantage of offers that could lower your interest rates on loans you have. SavvyMoney allows you to safely check your credit report at any time and alerts you to events such as a change of address or employment, a new account being opened, a delinquency, or an inquiry. If you haven't made the changes, you can immediately report the issue to the proper authorities.

SavvyMoney Credit Report shows you everything in your credit file — outstanding loans, open accounts, credit inquiries, etc. Your credit report also shows payments you have made, how much credit you have, your utilization rate, and any public records listed there.

No. The use of SavvyMoney is free to all First Merchants Personal Clients.

Your credit score is automatically updated monthly, and the change is displayed on your online banking screen. However, you can refresh the page to see any changes to your score as often as every day if you like, without penalty.

Savvy Money uses VantageScore 3.0, which pulls data from three major credit bureaus – TransUnion, Equifax, and Experian, rather than just one. This provides a more accurate picture of your credit history. 

Financial institutions use different bureaus and different models to calculate your credit score. While your score may not be the same at each bureau, it is likely similar.

No. SavvyMoney is a free service offered to clients to help them understand and improve their credit rating and inform them about how they can save money with loans from First Merchants.

No, we use our own criteria for lending.

SavvyMoney uses encryption and other top-level technical firewalls to protect your data from hackers. SavvyMoney will never sell your information to a third party.