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First Direct

Direct banking solutions that work as hard as you do!

First Direct is a robust account targeted to employees of businesses in the First Merchants Bank footprint. While the business is not required to have a banking relationship with First Merchants Bank, those without a banking relationship will be asked to provide approval and support for the First Merchants Banker to present information, open accounts, and service clients on the business site. This account is designed to meet the needs of employees at all levels of the organization in various stages of life.

More benefits

As a First Direct account holder, you’ll receive special members-only account benefits and offers.

Picture of businessman working at computerSign up for this program and start saving time and money with these valuable benefits:

  • FREE eStatements and paper statements are only $3.00 per month
  • FREE Debit Card* with Gold Standard Rewards™ 
  • 5 FREE foreign ATM transactions** per statement cycle
  • FREE Online Banking & Bill Pay (Must be 18 years of age or older to use Bill Pay)
  • FREE Mobile, Text Banking and Telephone Banking
  • FREE Regular Savings with eStatements
  • FREE retirement consultation
  • FREE first order of standard checks (Mint, Blue or Lemon)
  • FREE official checks and money orders
  • No opening deposit with direct deposit sign-up
  • No minimum balance requirement
  • Two NSF/OD Fee items waived per rolling 12 month calendar***
  • Bonus on all CDs opened while a part of the First Direct program
  • Interest tiers starting at $2,500 (Interest accrued daily and credited monthly)
  • Loan interest rate discount of 0.35% on personal loan with auto debit from FMB First Direct account.****
  • $250 discount on Residential first mortgage closing costs
  • No annual fee on new HELOC accounts
  • 25% off Safe Deposit Box rental


  • Paper statement fee is $3
  • With eStatements: $0
  • If no direct deposit takes place during a statement cycle, a $10 fee will be assessed that statement cycle. 

Other service fees may apply.

Plus Gold Shield service

For well over 100 years, we have provided the best of what banking can offer – customer-valued products and services delivered locally by bankers who are known and trusted in their communities. Members of our team volunteer countless hours to local boards, events and charities. And they give our customers that same level of dedication - we’ll do whatever it takes to earn your trust. Best of all, with First Direct, our dedicated team members come to you! There is a difference when you choose our bank-at-work benefits program. We’ll prove it! Sign up during your employer’s advertised enrollment day or at any banking center anytime!

*Certain restrictions 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. 
***An NSF/OD item is defined as 1 or more items presented to an account with non-sufficient funds on a business day.
****Subject to credit approval, excludes first mortgage real estate loans and lines of credit, offer valid for consumer purpose installment loans only.  

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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.