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Get $100* for opening a First Direct Checking as a thank you to our service members.

A small thank you for your enormous sacrifice.

Enter Promo Code: THANKYOU

First Direct Checking is our way of honoring our teachers, healthcare workers, first responders and members of the military for the work they do in the community. You work hard for your community, and you deserve a bank that works hard for you. A First Direct Checking account simplifies your banking experience and rewards you for the things you already do. Plus, if you open a First Merchants First Direct Checking account by November 30, 2021, you can qualify for a $100 reward.

Open an Account Now by Entering Your Zip Code:

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No monthly maintenance fee as long as you make a direct deposit of at least $200 each month. Otherwise a $10 monthly maintenance fee applies.

No fee for ATM withdrawals nationwide with MoneyPass

Free overdraft protection transfers from any linked account

Free Enhanced MasterCard Debit Card with ID Theft Protection1

Access to more than 25,000 free MoneyPass ATMs

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Do your banking wherever and whenever you choose with the First Merchants mobile app, found on the Apple (4.8 stars) and Google Play (4.5 stars) app stores.

Compatible with Samsung Pay and Apple Pay2

Quickly and easily send money to friends and family using Zelle®, available through our mobile app3

Free online banking, Personal Finance and Bill Pay

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Free retirement consultation

25% discount on safe deposit box rental where available

Earn interest on accounts of $2,500 or more4

Free eStatements

CD interest rate bonus of 0.05% APY

No annual fee on new Home Equity Lines of Credit (HELOC)5

Discount on residential first mortgage closing costs

Two NSF overdraft fees waived per rolling 12-month calendar6


Who's Eligible

  • Employees of companies that participate in the First Direct Program
  • All first responders, members of the military and those who work in the healthcare and education fields7

Requirements to Earn Promotion

  • Must complete 15 transactions within 60 days of account opening.
  • Must have a direct deposit8 of at least $500 within 60 days of account opening.
  • Must use promo code THANKYOU.
  • Must be 18 years or older at the time of account opening and reside in Indiana, Ohio, Illinois or Michigan.
  • Must not have closed a personal checking account within 180 days of the promotion start date (on or after September 25, 2021).
  • Offer valid for new First Merchants personal checking accounts opened from September 15, 2021, through November 30, 2021.
  • Offer valid only for households with no current First Merchants Bank checking accounts.


Open an Account Now by Entering Your Zip Code:

TO BE ELIGIBLE TO PARTICIPATE IN THE PROMOTION: You must be a new First Merchants personal checking accountholder. Accountholders with an existing personal checking account with First Merchants (either as the primary or secondary accountholder) are not eligible. You must not have closed a personal checking account within 180 days of the promotion start date (on or after September 15, 2021). The primary accountholder of the participating checking account must be 18 years old or older at the time of account opening and reside in Indiana, Ohio, Illinois or Michigan. First Merchants employee accounts are not eligible for this promotion.

OFFER INFORMATION: Receive $100 for opening a new First Merchants First Direct Checking account by completing 15 transactions within 60 days of account opening, and by completing one direct deposit of $500 or more within 60 days of account opening. Offer valid for new First Merchants First Direct Checking accounts opened with promo code THANKYOU from September 15, 2021, through November 30, 2021. Enrollment in the promotion is required. (See Account Opening & Enrollment Instructions below.)

REWARD PROCESSING: After meeting the qualification requirements, the applicable reward will be credited to the new First Direct Checking account up to eight weeks after all qualifications are met. “Branch Checking Offer Reward” will appear on the monthly checking statement when the reward is credited to the account- holder’s checking account. The reward amount will be $100. This promotion is only applicable once per client. First Merchants may report the value of any reward received through any offer to the Internal Revenue Service as required by law. Any applicable taxes are the responsibility of the recipient. In the event that we determine in our sole discretion that your account does not meet the eligibility criteria or the activity on your account does not qualify to meet the required conditions, we will not be obligated to credit your account with the reward payout.

ACCOUNT CLOSING FEE: If the checking account is closed by the customer or First Merchants Bank within six months after opening, you will be charged up to the full amount of the bonus or the early close fee (up to $100).

OTHER TERMS: Minimum account opening deposit for a new First Direct Checking account is $0. The offer is non-transferable and may not be combined with any other offers. This offer is subject to change and may be discontinued at any time. Interest rates are subject to change. Rates are tiered based on account balance, subject to change and determined by the bank. The minimum account balance to obtain APY is $2,500. Fees may reduce your earnings.

3Q DDA APY Chart

ACCOUNT OPENING & ENROLLMENT INSTRUCTIONS: Visit a First Merchants branch to open your new First Merchants account and ask the First Merchants representative to enroll you in the “THANKYOU Checking Offer.” Or, open your First Merchants account online at and enter the promo code THANKYOU in the promotion box.

Small MasterCard logo no textMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

1Certain restrictions apply. Please see for more details. Mastercard® benefits are offered through Mastercard® card services.
2Apple Pay is not available at all retailers. Apple is a trademark of Apple Inc., registered in the U.S. and other countries. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co. Ltd. Samsung Pay is available on select Samsung devices.
3Must have a bank account in the U.S. to use Zelle. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
4Interest tiers start at $2,500. Interest is accrued daily and credited monthly.
5Subject to credit approval.
6An NSF/OD item is defined as one or more items presented to an account with non-sufficient funds on a business day.
7First responders include police, firefighters and paramedics. Military includes active members and veterans of the Army, Navy, Marine Corps, Air Force, Coast Guard and National Guard. Educational workers include any employee of a school system. Healthcare workers include physicians, nurses, emergency medical personnel, dental professionals and students, medical and nursing students, lab technicians, pharmacists, hospital volunteers, therapists and administrative staff.
8Direct Deposit: A qualifying direct deposit is an electronic credit to your account by your employer or an outside agency. Transfers from one account to another, or deposits made at a banking location or ATM, do not qualify as a direct deposit.

Note: Annual Percentage Yield is abbreviated by APY.
Please see terms and conditions of First Merchants Mobile Banking. (link to: