¹ Terms and Conditions for the First Merchants Bank (FMB) Advantage Checking Offer:

How to Get Your Offer: Ask an FMB banker to enroll you in the “MD2025” when opening your account or open your account online at www.firstmerchants.com and enter the promo code “MD2025” in the promotion code box on your application. You must be a new FMB personal checking account holder. Account holders with an existing personal checking account with FMB (either as the primary or secondary account holder) are not eligible. You must not have closed a personal checking account within the last 12 months of the promotion start date (on or after 5/28/25). The primary account holder of the participating checking account must be at least 18 years old at the time of account opening and reside in Indiana, Michigan, or Ohio. FMB employee accounts are not eligible. Get $500 for opening a new Advantage Checking account by setting up and completing one qualifying payroll Direct Deposit of $500 or more in the first 90 days of account opening. 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. Multiple deposits of less than required amount will not qualify. Offer valid for new FMB Advantage checking accounts opened from 5/28/25 to 12/31/25. After meeting the qualification requirements, the applicable bonus will be credited to the new checking account in the sixth month of the account being opened. This promotion is only applicable once per client. FMB may report the value of the bonus received through any offer to the Internal Revenue Service as required by law. Any applicable taxes are the responsibility of the recipient. Offer will be at the sole discretion of the bank. If the checking account type is changed or is closed by the customer or FMB within six months after opening, you will be charged the bonus amount ($500) and the early closing fee ($50). This offer is subject to change and may be discontinued at any time. The offer is non-transferable and may not be combined with any other offers. If a customer applies for two offers, FMB will choose the incentive offer that is paid.

²Certain restrictions, terms, and conditions apply.

³Certain restrictions apply. Please see www.mastercard.us/zero-liability.html for more details. MasterCard® benefits are offered through MasterCard® card services. Please call 1-800-MASTERCARD for assistance. MasterCard® Enhanced Benefits are provided by MasterCard® to First Merchants Personal MasterCard® debit card holders at no additional cost.

⁴No overdraft fees if you’re overdrawn by $50 or less at the end of the business day and no daily fee until day 5. Overdraft Helper™ does not require enrollment and comes with most First Merchants Personal Checking accounts. It does not apply if an account is set up for overdraft protection transfers from another account or for Simple Access accounts, which do not permit overdrafts.

⁵To help you avoid overdraft fees, we recommend calling or coming into a branch to link another First Merchants account for overdraft protection transfers. If you overdraft, we’ll automatically transfer funds in $50 increments from your linked deposit account—with no transfer fee. Linked account balance must cover the overdraft, and standard account fees may still apply.

⁶Multiple deposits of less than required amount will not qualify to waive the monthly maintenance fee.

⁷Debit Card transaction includes point of sale transaction, signature based transaction, or ATM withdrawal.

⁸See details on our ‘Best bank’ awards at firstmerchants.com/awards-accolades