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Personal Checking Accounts

Checking Accounts That
Can Help Simplify Your Life

A First Merchants checking account can help simplify your life, with money management tools for checks and payments while giving you piece of mind with easy-to-use alerts and notifications for the activity on your account. Compare our checking accounts side by side, and choose the right one for you.

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Checking Accounts
We Make Mobile Banking a Breeze

Check your balance, move money, deposit checks with your phone and pay someone with Zelle® all from your First Merchants app.

37,000+ Free ATMs

Access your cash from our expanded ATM network, just look for the MoneyPass symbol.

Attentive Local Bankers

When you can use one-on-one guidance, our attentive bankers are ready to listen and help with your best interest at heart.

First Merchants Overdraft Helper™
Overdraft Helper provides assistance when your account is overdrawn. We may pay overdraft transactions at our discretion based on your account history.
We’re Serious About Service

First Merchants is consistently recognized by Forbes and Newsweek for our above-and beyond customer experience and top-tier financial services.

Everyday Checking Accounts

Our essential accounts are built with the basics so you can feel confident about managing your money.

Premium Checking Accounts

Our premium accounts offer exclusive benefits and advantages designed to maximize your banking experience and financial progress.

Compare Accounts

First Merchants offers three everyday accounts and two premium account choices. Easily find the right checking account for you by comparing them side by side.

Simple and Carefree Checking Accounts

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Top 3 Questions about First Merchants Bank Checking Accounts

Below you will find information about the most frequently asked questions when opening a First Merchants Bank checking account.

To find an ATM on the mobile app or through online banking, click “More” then select “Connect With Us” and choose “ATM & Branches”. Choose “Location Type” and “Services” then enter your city, state and zip code for the nearest location. You can also visit www.firstmerchants.com 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 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.
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.
Log in to online banking and go to the “Accounts” tab. Select “eDocuments and read through the Terms and Conditions located at the lower half of the page. Copy the code listed at the bottom of the terms and enter the code in the “Confirmation Code” box at the top of the page. You will then be registered for eStatements. Open at least one statement to verify all eStatements have been created.
First Merchants Bank routing number is 074900657 .

Yes! First Merchants offers a number of guides, how-to videos and FAQs designed to support you, whether you’re enrolling and logging in for the first time, or learning to pay a friend with your mobile device using Zelle. If you need help, schedule an appointment or call 1.800.205.3464.

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Bank Confidently With One Of The
Best Checking Accounts!

As a community bank with a strong positive reputation, First Merchants Bank approaches all customer relationships with a genuine “helping you prosper” mindset. We deliver uniquely attentive service across a broad range of financial services. And as a top-rated bank, we understand that different people require different solutions.

Three Reasons Why You Should Use First Merchants Bank

  1. You’ll get a top-rated bank for attentive service and customer experience.
  2. You’ll get a highly-rated mobile banking app with over 20,000 reviews rated 4.8 out of 5.
  3. You’ll bank with a company that prioritizes serving the financial needs of all members of the communities it serves, enhancing their financial wellness.
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