Open a personal Checking, Savings, Certificate of Deposit, Money Market or Health Savings Account online, anytime you like!

Bank from home. Or anywhere.

Wherever you go. First Merchants follows. With mobile & online banking, you always have access to your money - easily, safely, and securely.

Refer a friend and you could earn up to $500

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Personal Banking

Empowered Bankers. Confident You.

Different people need different solutions.

Working together, we create them. The freedom First Merchants gives its bankers is a refreshing change, and customers can experience the difference. That responsiveness leads to the customer's own empowerment, in the form of reliable advice, rapid decision-making and the choice of competitive financial products.

Our Offerings

First Merchants Personal Checking Accounts

Checking Accounts

Loaded with free features like mobile banking app, mobile-wallet-ready debit card and access to more than 25,000 ATMs, First Merchants' personal checking accounts simplify managing your money and reward you for the things you already do. Plus you can open online in about 10 minutes.

First Merchants Mobile and Online Banking

Mobile and Online Banking

Wherever you go, First Merchants follows. Download our highly rated mobile banking app and always have access to your money - easily, safely and securely.

First Merchants Savings Accounts

Savings Accounts

Different savings goals take different types of savings accounts. Compare your savings account options now. 


Mortgage and Home Lending

Whether you're ready to buy, looking to refinance or want to use your home's equity to make home improvements, we're here to help.


Auto Lending

Whether it's your first car, dream car or somewhere in between, First Merchants Bank has a smart borrowing solution to fit your needs.


Credit Cards

Choosing the right credit card is easier than ever.

Top Personal Banking FAQs
How can I best use or invest these payments?
  • Child tax credit monthly payments offer a great opportunity for families to plan for their child’s future and build up savings. These payments can cover the day-to-day costs of a child’s needs, like food and clothing. But if your paycheck already covers necessities, the tax credit could help fund other short- or long-term goals.

    If you meet child tax credit eligibility, we encourage you to think about investing that money toward building your savings or starting a college or emergency fund. The amount you receive for the child tax credit over time can really add up!

How can I make sure I receive the child tax credit monthly payments?
  • If you’re eligible for the child tax credit, the best way to receive the funds is through direct deposit. If you don’t have an account with direct deposit, you can easily open a savings or checking account online or visit a banking center to enroll in direct deposit. Visit the IRS tool here to check your eligibility and manage your payments.

How much is the child tax credit?
  • The breakdown of how much you’ll receive for the child tax credit is contingent on several variables. The chart below shows how much parents who qualify for the $3,000 or $3,600 payments will receive and when they’ll receive payments.

    MonthPayments for families with children 5 and youngerPayments for families with children ages 6 to 17
    July 2021$300$250
    August 2021$300$250
    September 2021$300$250
    October 2021$300$250
    November 2021$300$250
    December 2021$300$250
    April 2022$1,800$1,500
Who's eligible for the child tax credit?
  • Eligibility for the child tax credit is based on a filer’s adjusted gross income, or AGI. Single taxpayers who earn less than $75,000 are eligible for the expanded $3,000 or $3,600 payments, depending on the age of their children. Heads of households who earn below $112,500 also are eligible for the child tax credit, as are married couples who earn less than $150,000.

    Note that single filers who earn under $200,000 and couples who earn under $400,000 will still qualify for a $2,000 credit.

How does the child tax credit work?
  • Historically, the child tax credit has provided families with dependent children with an annual tax break of as much as $2,000, which was distributed when individuals completed their taxes. But under the new bill, the tax credit is increased to $3,000 per child for eligible households with kids ages 6 to 17 and $3,600 per child for eligible parents with kids ages 5 and younger.

    This year, parents eligible for the child tax credit can also receive some of the funds in advance. Instead of waiting until you file your 2021 income taxes, qualifying families will receive half the credit in advance through child tax credit monthly payments.

    Child tax credit monthly payments were sent in July to qualifying parents and will continue to be deposited each month through December. Parents will then receive the remaining half of the credit when they file their 2021 tax returns.

How do I take an advance from my HELOC online?
  • There are multiple ways you can access your Home Equity Line of Credit funds.
    • Credit Line Equity Access Checks or Credit Card – Access your funds via credit line equity access checks or credit card transaction using the Equity Access checks or card associated with your HELOC.
    • Online – Simply log in to your online banking account and easily transfer money from your HELOC directly into your checking or savings account.
    • Telephone Request – Call customer service at 1.800.205.3464 to request a credit advance from your Credit Line be applied to your designated account.
    • Request by Mail – Mail a request to your local banking center.
    • In-Person Request –Visit your local banking center to request a credit advance. 
How do I get copies of my monthly bank statement?
  • For a copy of your monthly bank statement, visit your local banking center or call customer service at 1.800.205.3464. You may also access statements in online banking. Under the accounts tab you’ll see tabs for “eDocuments” and “eStatements.”
How do I deposit a check with my phone?
  • To complete a mobile deposit, download our mobile banking app and log in using your online banking credentials. Select the gold plus symbol (“Mobile Deposit”) and choose which account will receive the funds. Endorse the check, take a photo and send it. The app will walk you through step by step. 
How do I sign up for text banking?
  • To add text banking, log in to online banking. Under the “Customer Service” tab, select “Manage Mobile Banking Settings and Add Text Banking.” To enroll your mobile device, select your mobile carrier and enter your mobile phone number. View and accept the terms and conditions and click “Enroll.” Select “Continue” to activate text banking. You will then receive a text message for confirmation. Reply with the activation code on screen to complete the enrollment.
How do I make a loan payment online?
  • You can use online banking to transfer your payments monthly or set up automatic recurring transfers. Log in to online banking and navigate to the “Pay and Transfers” tab. Under “Loan Payments,” select “Make a Loan Payment.” Add the account you wish to pay from and choose the account that is to receive the funds. Click “Continue” and select if you would like to make a regular payment or one with additional funds to reduce the principal. Finally, select the date the payment is to be made.
How do I sign up for direct deposit?
  • To sign up with direct deposit, use routing number 074900657 along with your account number. You can also provide your employer with a voided check if accepted.
How do I order checks for my account?
  • Please visit your local banking center or call customer service at 1.800.205.3464. You can also order checks by signing in to your online banking account and selecting “Order Checks” under the “Customer Service” tab. Select the correct account number and you will be directed to the Deluxe Checks ordering website.
How do I order a new debit card?
  • To order a new First Merchants debit card, visit your local banking center. To reorder a debit card, visit your local banking center or call customer service at 1.800.205.3464.
How do I add my debit card to my mobile wallet?
  • Access your mobile wallet on your phone and select the add card function. Add your First Merchants Mastercard® Debit Card by entering all necessary card information in the provided fields. If prompted, select a delivery method for receiving a one-time pass code. Enter that code and tap “Submit”. Once your card is added, you will receive an email confirmation. If no valid email is on file, you will receive a postcard in the mail.  
How do I use the Refer a Friend program?
  • Simply navigate to the Refer a Friend website page. Use the form on this page to register. After you’re registered, you can invite your friends and family. Once your friend registers for the referral offer using your personal referral link and then opens a First Merchants Bank personal checking account with a deposit of $100 or more AND completes 15 debit card transactions (excluding ATM transactions) within 60 days of account opening, you will each receive a $50 Mastercard® Reward Card. The more friends you refer, the more you can earn – up to $500 per calendar year.
How do I dispute a charge on my checking account?
  • To dispute a charge, visit your local banking center or call customer service at 1.800.205.3464 to file a dispute. However, please note that you may need to follow up at the banking center.
How do I request a refund on my account?
How do I find where your ATMs are located?
  • To find an ATM near you, visit and click the “Locations” tab in the upper right corner. In the “Location Types” field, select “ATM” and enter your address, city, state or ZIP code. To find an ATM on the mobile app, click “More” then select “ATM Locations.” Enter your city, state or ZIP code for the nearest location.