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Simple Access Checking

First Merchants Simple Access Checking

The First Merchants Simple Access account is the perfect bank account for people who want simplicity with no overdrafts*. You'll spend only the money you have available, while building your banking history.



Account Details

  • Open your account with no opening deposit**
  • $4 monthly fee
  • No paper checks
  • Electronic cash withdrawals only
  • Qualifications to move to another account type: You may ask to transfer from the Simple Access Account into another First Merchants checking account once your account has been open for 12 months and has a positive balance.
  • Other service fees may apply.


Open an Account Today.

Need help opening a checking account online?

Schedule a Call with a Banker

Please see terms and conditions of First Merchants Mobile Banking.

*We will decline or return transactions when you do not have enough money in your account to cover the charge. However, you could still end up with a negative balance if, for  example, a transaction is approved for one amount, but then the actual charge is larger than the balance you have in your account (like when you add a tip at a restaurant after the transaction for the  meal was already approved). Even if you have a negative balance, we will not charge you an overdraft fee.

**Make a deposit within 60 days to avoid account closure or maintenance fees.