Simple Access Checking

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Simple Access Checking

Refer a Friend and You Could Earn up to $500!

Even family members. You do the math. When you tell your friends about First Merchants and they open a new First Merchants Personal Checking Account or Auto Loan, you could earn up to $500 a year when referring multiple friends!

First Merchants Simple Access Checking

The First Merchants Simple Access account is the perfect bank account for people who want simplicity with no overdrafts.¹ You'll spend only the money you have available, while building your banking history.

Open a First Merchants Simple Access Account

Features

Overdrafts are not enabled on this account to help you spend only what you have in your account and avoid the cost of overdrawing¹
Paper statements or eStatements
Free ATMs nationwide with MoneyPass ATM Network
Free Mobile, Online and Text Banking
Free Enhanced MasterCard Debit Card with ID Theft Protection²
Money orders and official checks may be purchased for half price with cash
Free Overdraft Protection Transfers with any linked account³
Quickly and easily send money to friends and family with Zelle® ⁴ (Available within our mobile app)

Account Details

No minimum deposit to open.⁵
No paper checks, except those processed through Online Bill Pay.
Electronic cash withdrawals only, which can be made at the ATM, through a point of sale purchase, or as a cash advance in the banking center.
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.
$4.00 monthly service fee. Other fees may apply. Not eligible for any special programs.

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Please see terms and conditions of First Merchants Mobile Banking.

[1] 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. [2] Certain restrictions may apply. [3] We'll automatically transfer funds to cover your negative balance, in $50 increments on linked deposit accounts. [4] Must have a bank account in the U.S to use Zelle®. Zelle and Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. [5] Make a deposit within 60 days to avoid account closure or maintenance fees.