Update Browser: you are currently trying to view the First Merchants site using an outdated browser. In our commitment to your security, and in keeping with industry standards, we no longer support the browser you are using. Learn more.

First Choice Checking

First Choice Checking

Looking for a checking account that provides the basics? First Choice comes with the ultimate in flexibility. It's a great fit for those who like a no-frills checking account.

Benefits:

Minimum Opening Deposit:

  • $100

No Monthly Service Charge:

  • With minimum balance of $2,000
  • OR 10 debit/ATM transactions each statement cycle

Otherwise a $5 monthly service charge applies (with eStatements).

Statement Options:

  • FREE eStatements
  • Paper, with check images +$3 monthly 


Maximize your benefits by pairing this checking account with our Regular Savings account. See a service associate for more details.

Other service fees may apply.

*Foreign ATM transactions are: inquiries, transfers, and withdrawals at a non First Merchants ATM and do not include surcharges that may be assessed by the ATM’s owner. In addition to all First Direct and First Student accounts, all personal checking accounts opened in the Indiana counties of Porter, LaPorte and Lake; and the Illinois counties of Will, Kendall, Kane, DuPage and Cook receive the 5 Free Foreign ATM Transactions . All personal checking accounts opened in the Ohio county of Franklin receive 5 free foreign ATM transactions and 5 rebates of the ATM operator’s fee up to $20 per statement cycle and $4 per transaction. **Subject to credit approval. Excludes first mortgage real estate loans and lines of credit. Offer valid for consumer purpose installment loans only.  

Ready to get started? Open an account online

Open a personal checking, savings, or CD account online in about 10 minutes, anytime you like! You’ll just need some identification documents and a way to make an opening deposit; our system will guide you through the process.