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.  Certain restrictions may apply.  We'll automatically transfer funds to cover your negative balance, in $50 increments on linked deposit accounts.  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.  Make a deposit within 60 days to avoid account closure or maintenance fees.