Your accounts - at your fingertips
Now we invite you to do your banking whenever - and wherever - you choose. Whether you’re at home, at work, or on the go, you can check your balance, make transfers, and more, all on your mobile phone!
Stay on top of your accounts by downloading our app for Business Clients from the App Store, Google Play or Amazon Appstore, and sign in to Online Banking using your phone’s web browser. It’s real-time account access on your terms - no banking center needed. For more information, check out our FAQs.
Sign up for Mobile Banking; it's simple!
Mobile Banking - Available Functions
|Function||Mobile Web||Mobile App|
|Contact Us / Help|
Do I have to have a particular phone or a text message or data plan?
Our First Merchants Mobile apps are available in the App Store, Google Play, and the Amazon Appstore for compatible devices.
You must have text capabilities to use Text Banking (personal customers only) and web access to access Mobile Web. A text messaging and/or data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information, as your wireless carrier's standard charges for text and data usage apply.
I activated Mobile Banking on my device's browser. Why am I being asked to activate again?
At the time of activation a "cookie" is stored on your device which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some devices may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier or device manufacturer for cookie support information. If you would like to reactivate, text R or RECOVER to 49794.
Which wireless carriers are supported?
We support most of the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon. If your carrier is not listed when you enroll, select 'Other' and try the Mobile Web option, or check back later, as new carriers will be added over time.
How do I enroll in First Merchants Mobile Banking?
Which mobile devices are supported?
Our First Merchants Mobile apps are available for Apple or Android phones and tablets, and Kindle Fire. If you can text from your phone, you may use it for Text Banking (personal customers only). Any web-enabled phone can access Mobile Web m.firstmerchants.com.
Is Mobile Banking secure?
Yes, the mobile banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, password access and application time-out when your mobile device is not in use. Only the mobile devices that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your mobile device. In addition, no account data is ever stored on your mobile device. In the event your mobile device is lost or stolen, you can temporarily disable a device from the Mobile Banking service at any time, or permanently remove it. Just log in to Online Banking and select 'Manage mobile banking settings' under the Customer Service/Administration tab. To learn more about security and what you need to know to protect yourself, click here.
What happens if I change my wireless provider or mobile number?
You can make updates to your First Merchants Mobile Banking device information by logging in to Online Banking and selecting 'Manage mobile banking settings' under the Customer Service/Administration tab.
What if my phone is lost or stolen?
You can temporarily disable a device from the Mobile Banking service at any time, or permanently remove it. Just log in to Online Banking and select 'Manage mobile banking settings' under the Customer Service/Administration tab.
How do I transfer the First Merchants Mobile Banking service to a new device?
To Enroll another Mobile Device, log in to Online Banking and select 'Manage mobile banking settings' under the Customer Service/Administration tab.
You may also visit m.firstmerchants.com or download our app on your new device and follow the onscreen instructions.
What is the cost for First Merchants Mobile Banking?
First Merchants Mobile Banking is free, however, you may incur text or data charges from your wireless provider. Standard rates apply, so you should check with your carrier to avoid unexpected charges.
How do I opt out?
To unenroll a device, just log in to Online Banking and select 'Manage mobile banking settings' under the Customer Service/Administration tab. Personal users who have activated text banking may also text 'S' or 'STOP' to 49794 to deactivate text banking for that device.
Can I use multiple devices to access First Merchants Mobile Banking?
Yes. To Enroll another Mobile Device, log in to Online Banking and select 'Manage mobile banking settings' under the Customer Service/Administration tab.
You may also visit m.firstmerchants.com or download our app on your new device and follow the onscreen instructions.
What is First Merchants Mobile Banking?
Mobile banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your mobile device capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds, pay bills and find nearest ATM or branch locations. Also, on the downloadable mobile banking application, you have the option to deposit checks.
What if I did not receive a text message to verify my Mobile Banking enrollment?
If you're having trouble receiving text messages, check with your wireless carrier or plan administrator to make sure your mobile phone has text functionality enabled. Standard rates apply, so you should check with your carrier to avoid unexpected charges.
I'm not enrolled for online banking. Can I still use Mobile Banking?
No, you must be enrolled in Online Banking or Business Online Banking before you can use Mobile Banking.
What Mobile Banking modes may I enroll?
Users may enroll for, both, the web/browser-based version of Mobile Banking as well as the downloadable applications, if supported. SMS/Text for Mobile Banking must be enrolled from the Mobile Banking Center using a personal computer. Click on the "Activate Now" link for SMS and follow the instructions presented on the screen.
What is my User ID?
Your User ID is the same as the User ID you established for Online Banking.
Can I save my User ID on the device?
On applications that allow saving the User ID, you may save your User ID by selecting "On" when prompted. For enhanced security, the User ID will then be presented in the future in a masked format, hiding some of the characters. You may also remove the User ID, at a later time, by simply changing the prompt to "Off".
Do I have to accept the Terms and Conditions?
Yes. You must agree to the Terms and Conditions in order to use Mobile Banking.
What is my Password?
Your Password is the same as the Password you established for Online Banking.
What if I do not remember my User ID or Password?
Contact Customer Service or Business Solutions if you've forgotten your user ID or password.
What do I use for a Mobile Number if I am using a tablet or MP3 device, such as an iPad or iPod?
When you use a non-phone device, such as tablets and MP3 players that are Internet-enabled and a phone number is requested, enter a phone number you can easily remember, such as your home phone or office phone.
I received an activation code but never used it. What do I do now?
Activation codes expire after a specific period of time. If you need a new one, return to the Mobile Banking enrollment site (called the Mobile Banking Center) and request a new activation code.
Is there a limit for Mobile Deposit?
Yes, checks over $3,000 are not eligible for mobile deposit. Additionally, there is a $3,000 daily submission aggregate limit to the mobile deposit service. If you have items to deposit that exceed the daily limit, please deposit the following business day. Any items deposited that exceed a daily submission limit of $3,000 will be rejected.
Do I need to sign up for Mobile Deposit?
In order to use First Merchants Mobile Deposit, you must have enrolled in online banking and mobile banking. Mobile Deposit is available to all consumers in addition to business users who are administrators in online banking.
What is the cut-off time for mobile deposit?
Items we receive by 9 p.m. ET
When will the mobile check deposit appear in online banking?
Checks deposited prior to 9 p.m. ET on a business day will appear in online or mobile banking the next day. Deposits made after 9 p.m ET will be considered as deposited on the next business day. If your deposit is rejected for any reason, you will be notified by phone. Mobile check deposits are subject to review prior to acceptance.
- Deposits made at 3:00 pm ET on a Tuesday will be displayed in online and mobile banking on Wednesday morning.
- Deposits made at 10:00 pm ET on a Tuesday will be considered deposited on Wednesday and therefore displayed in online and mobile banking on Thursday morning.
- Deposits made on Saturday will be visible on Tuesday morning.
What items can I deposit via mobile deposit?
Personal or business checks made payable to you are eligible for mobile deposit with the following exceptions:
- Canadian and other foreign items
- Substitute checks
- Savings bonds
- Draft items
- Items dated more than 6 months prior to the date of deposit
- Items payable to any person or entity other than yourself
- Items made payable to more than one person or entity
- Items containing an alteration to the front or back of the check
- Items you know or suspect are fraudulent
- Remotely created checks as defined in Reg CC
- Items requiring any restrictive endorsement
- Previously deposited items
What should I do if I have an ineligible check I need to deposit?
Items not eligible to be deposited via mobile deposit can be taken to a banking center, mailed to a banking center or mailed to a banking center office.
What if I canít get my eligible check to be accepted?
Occasionally, an eligible item cannot be accepted for mobile deposit due to a lack of image compatibility. This can happen with poor lighting or due to a busy background of the check. If possible, try to deposit again with different lighting conditions. If the item is still not accepted, please utilize other channels to deposit your item.
When will I have access to my funds via mobile deposit?
In most cases, if you make your mobile deposit before 9 p.m. ET on a business day, 100% of your funds will be available the next day. For deposits made after the cutoff or on a non-banking day, the item will be considered as deposited on the next business day.
However, all mobile deposits are subject to review and thus longer delays may apply. We will notify you if we delay your ability to withdraw funds and we will tell you when the funds will be available.
What should I do if my deposit is not accepted?
If your deposit is rejected, we'll notify you via email.
If the item exceeds your daily Mobile Deposit limit, you may be able to deposit it later using the First Merchants Mobile app. If the item is valid but doesn't meet the Mobile Deposit requirements, you'll need to either visit a banking center or mail the item with a deposit slip to a banking center.
Who can I reach out to for help?
Our Customer Service area is happy to help. You can reach them at 1.800.205.3464.
Is there a fee for Mobile Deposit?
No, there is no additional fee for utilizing mobile deposit.
Do I need to use a deposit slip?
No, you don't need a deposit slip when using Mobile Deposit. You'll enter the deposit amount within the Mobile Deposit app.
What if an account is not listed in my Mobile Deposit menu?
In most cases, eligible accounts will automatically be signed up for Mobile Deposit. If you have an eligible account that has not been enabled, please call us at 1.800.205.3464 for assistance. Please note that savings accounts are not eligible for use with the Mobile Deposit service.
Do I photograph both the front and the back of my check?
Yes. During the deposit process, you will be required to photograph the front and back of your check.
How do I endorse my check for Mobile RDC?
You should sign your check with the following endorsement: For Deposit Only Your Account Number Your Signature
How will I know if my financial institution received my deposit?
You will receive a notification by e-mail when your deposit has been received.
How will I know if my financial institution processed my deposit?
When your deposit is processed, you will receive a second e-mail notification on the status of your deposit. This e-mail will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided.
Can I photograph more than one check at a time?
You may photograph multiple checks in the same mobile banking session; however you may only photograph one check per deposit.
What if the check image I photographed is bad?
You have the option to retake photographs of the check before submitting or you may cancel the deposit. Also, the system will notify you if the image is unclear for processing. If you are unable to photograph a clear image, please take your deposit to a banking center or deposit-accepting ATM for processing.
Do I destroy my check after I photographed the deposit?
No, keep the check until it posts to your statement. Afterwards, you may securely destroy the check after 7 days. Do not VOID the check after submittal in the event the deposit is not approved and needs to be re-submitted.
Will my deposited check be available in transaction history?
Yes, once your deposit clears, it will be available in your transaction history. You may also view your Mobile Deposit history in the First Merchants Mobile app.
What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit?
No, you do not need to resubmit your deposit. If you entered the wrong amount for the deposit, our operations center will correct the deposit amount.
What if I submit the same deposit twice in error?
If the same deposit is submitted twice, it will be identified and stopped by our process. Should this occur, you will receive a declined deposit notification for the second deposit received through the Mobile Deposit service.
Where can I find the First Merchants mobile application to download?
First Merchants Mobile apps for personal and business users are available in the App Store for iPhone, iPod touch, and iPad, Google Play for Android devices, and the Amazon Appstore for Kindle Fire. Visit m.firstmerchants.com for links to download the correct version for your device.