We're committed to improving your Online Banking experience, so we've invested in a multi-phase upgrade called Better Online Banking. The first phase introduced easier navigation and streamlined sign in, while the second included eStatements and Mobile Banking. Look for more exciting features, including online account opening, in the future.
What Internet browser should I use to access Online Banking?
Better Online Banking works best with Internet Explorer 7 or 8 (Windows), Firefox 3.5 or 3.6 (Windows), or Safari 4.0 (OSX). Other browsers have not been tested for compatibility and may display some content incorrectly. Please note that JavaScript must be enabled for full functionality. If you experience any issues, please contact Customer Service at 1.800.205.3464.
Signing In
What information do I need to sign in to Online Banking?
You'll need your Online Banking login ID and password to sign in to Online Banking from www.firstmerchants.com. Both your Login ID and password are case-sensitive, so be sure to use capital letters if necessary. Note that Mobile Banking login requires a Mobile ID and PIN, which is not the same as your Online Banking information.
What page should I bookmark to sign in?
We recommend you bookmark www.firstmerchants.com to take full advantage of our integrated signin box and to access the rest of our online content.
What if I lock myself out of my account?
If you enter your password incorrectly too many times, you may be locked out of your account for 15 minutes. After that, you will be able to try again. If you need to reset your password, you may call our Customer Service line at 1.800.205.3464, from 7 a.m. to 7 p.m. weekdays, and 9 a.m. to 1 p.m. on Saturday.
Can I change my user ID if I want to?
Yes, you can change your ID under “Preferences”. The ID can be changed to any available ID.
How do I sign in to a joint account?
Each account owner should have their own user ID and password for Online Banking.
How do I sign in to other online services, like my credit card or 401k account?
You can sign in via the links within our sign in box. Go to the 'Other Services' section on the new sign in box on any page of our website.
My Accounts
Does my Available Balance include overdraft coverage amounts?
No.
How much account history is available?
Sixty days of transaction history are available if you are a current customer. If you are a new customer, you may accumulate up to 60 days of history.
Can I see images of my deposits?
Yes, Online Banking allows you to view the front and the back of each deposit ticket.
How do I order checks within Online Banking?
You can reorder checks through Deluxe within the Services tab of Online Banking. Just choose Reorder Checks from the Check Services sub-menu and select the appropriate account.
External transfers enable personal banking customers to transfer funds to or from a deposit account at another institution. Before transfers can take place, you will be required to verify the amount of two small deposits to the external account.
How much can I transfer between accounts via external transfers?
$10,000 per transfer with no more than $25,000 per business day.
What is the cutoff time for transfers between my accounts with First Merchants/Lafayette Bank & Trust/Commerce National Bank?
As in the past, all transfers received after 6:45 p.m. Eastern Time will be processed as of the next business day.
What is the cutoff time for transfers to accounts at other institutions?
As in the past, all transfers received after 3:00 p.m. Eastern Time will be processed on the next business day.
What is Overnight Check Delivery?
If you need to send money or make a payment quickly, consider Overnight Check Delivery, our newest payment option. This expanded service within Bill Pay supports payments to both businesses and individuals who do not accept electronic payments. Payment instructions received by 2:00 p.m. will be processed for delivery the next business day. Fees apply.
