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Text Banking

Text us whenever - We always respond.

Our free Text Banking service is the fastest, easiest way to check your accounts on the go. Monitor your finances at anytime from anywhere. Just text commands to 49794 from your enrolled mobile phone.

Learn how to enroll, then bank anytime from your phone! Watch our How to enroll Text Banking video.

View Text Banking User Guide

Download a text command wallet guide


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What text commands can I use with First Merchants Text Banking?
  • Text Banking Commands
I enrolled in Text Banking with my phone number but did not receive a text message. What should I do?
  • Typically you should receive a text message within a few minutes after enrolling, however sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure your phone has a wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. After waiting a few minutes if you still have not received your text message, try sending the activation code. If you still do not receive a text message, contact your wireless carrier to be sure text messaging is enabled on your phone.

Will I receive unsolicited text messages?
  • No. You will only receive messages when you specifically request them with one of the Text Banking commands or if you subscribe to Mobile Alerts.

What does SMS mean?
  • SMS stands for Short Messaging Service. It is also called text messaging.

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.
What number do I send text commands to?
  • The short code for First Merchants Text Banking is 49794. Send all text banking requests to this number. Note: First Merchants may send you messages from other numbers for other services, such as login authentication, People Pay notifications, or alerts.

How much will I be charged for each text received?
  • First Merchants Text Banking is free of charge, however, your wireless provider’s standard text messaging and other rates may still apply.

How many text messages will I receive daily?
  • During text banking enrollment, personal users will receive up to 3 SMS messages. Thereafter, you will receive a message in response to each SMS request you submit. If you have a large number of accounts, you may receive more than one message in order to report all of your account balances.

What is First Merchants Bank Text Banking?
  • Text banking gives personal Online Banking users access to accounts via text (SMS) messages on your phone. It's a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode.