General Questions

Yes! To check out the online banking demo, click here.

Business Online Banking is equipped with layered security and Out-of-Band Authentication to help mitigate both internal and external fraud. You are protected at login and when you initiate a transaction.  Please visit our Security Center at for additional information.


First Merchants Bank or any of its divisions, will not contact you via email, phone, or other means and request confidential information.


You can sign in via the 'Sign In to Other Services' button located directly underneath the Online Banking sign in box on any page.
Many questions can be answered by clicking on the “How do I…”, “Terms”, or “FAQs” links at the bottom of each page or call Business Solutions at 1.866.833.0050 for assistance.
The “Contact Us” feature under the Administration tab allows you to send/ receive secure messages to/from the bank. You can submit requests to add or delete accounts, maintenance, photocopy requests, etc.

Signing In

You will access First Merchants Business Online Banking through the blue "Business Online Banking" box at The Business Online Banking login box is blue. If the box you see is red, click "Business Client? Log in here" to switch to the blue business sign in box.

You'll need your Company ID, User ID, and your password to sign in to Business Online Banking from

The One-Time Security Code will be required the first time you log in to the system and each time you log in with a different device. You will be prompted to initiate a phone call or text and receive a one-time code that you will input to access the system.

  • We recommend using the Phone option the first time you log in. Select a phone number and click Continue. The system will display a code that you will provide either verbally or with your phone's keypad when the call is received.
  • If you choose the Text message option, you will enter the one-time code in Business Online Banking that will be sent in a text from Short Code 63018.

If the phone number(s) presented are not valid, please contact Business Solutions at 1.866.833.0050 to update your phone number(s).

We recommend you bookmark to take full advantage of our integrated sign in box and to access the rest of our online content.

If you enter your password incorrectly three times, you will be temporarily locked out of the Business Online Banking system. Please call Business Solutions at 1.866.833.0050 to reset your password.

My Accounts

Up to 18 months of transaction history is available in Business Online Banking. You can access account history and search transactions with the Reports/Activity-deposit accounts function.

Yes, Online Banking allows you to view the front and the back of each deposit ticket.  If you would like images of your deposited items please contact a cash management officer for further details on positive pay, remote capture or other business receivables solutions.

Checking, Savings, Loan and CD accounts are available on Business Online Banking.

Payments and Transfers

Account to Account Transfers will be posted as pending transactions when initiated. Transfers initiated prior to 9 p.m. ET will be effective the same business day. Transfers initiated after 9 p.m. ET will be effective the next business day.

Transaction Limits are as follows: $10,000 for single payment, $20,000 daily limit.
Yes. Rollover, Transfers and Payments tab, under Loans, select Manage loans. Click the loan account you wish to pay and select an Action from the dropdown menu on the right. Enter the payment details and click Continue.