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First Savings Bank

First Savings Bank is joining First Merchants Bank


Welcome to First Merchants Bank! Effective February 1, 2026, First Savings Bank and First Merchants completed their legal merger. While full integration will occur at a later date, we are pleased to welcome First Savings Bank customers into our broader banking community as we begin this transition together.

If you have any questions please call us at 1.833.372.4968 or visit any of our banking centers.

Welcome to First Merchants!


I’m truly proud to welcome you to First Merchants.

As of 12:01 a.m. on February 1, 2026, the merger of First Savings Bank and First Merchants Bank legally closed – a major milestone in our journey together. While much of the meaningful work to connect our organizations has already been underway for months, this legal close marks the moment we can formally move forward as one team.

I want you to know this: the First Savings team with local expertise, meaningful relationships, and commitments to the community—matter deeply to us. You’ll continue to bank with many of the same amazing bankers, now supported by the strength, resources, and opportunities of an award-winning- bank.

Together, we’re building something intentionally different. We believe the best banking experience lives in the space where personal relationships still matter; decisions are made thoughtfully, and service is tailored to the individual. It’s not just what we do that sets us apart, but how we do it. At First Merchants, people come first—always.

We are guided by a simple service philosophy: Helping you prosper. It involves a mindset and a passion for serving others. The values these bankers hold don’t change with a name or a sign—they’re alive in how they show up for you and for the community.

As First Savings transitions to First Merchants, our teams are focused on making the experience clear, thoughtful, and supportive as possible. Any change, even one filled with opportunity, can bring uncertainty. The system integration is expected to be completed in the second quarter of 2026, and we’ll continue to keep you informed every step of the way through meetings, email, newsletters, and website updates. Stay connected to these channels and communications during this information heavy time.

Since 1893, First Merchants has been honored to support the dreams of families, businesses, and communities—generation after generation. We are excited about what lies ahead and we look forward to building the future together.

First Merchants Bank Mark Hardwick
Sincerely,
Mark Hardwick
CEO, First Merchants

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FAQs:


General

Together, First Merchants and First Savings Bank create more opportunities to serve you with enhanced products and an even stronger local banking experience. First Merchants seeks to bring expanded services while retaining local decision-making, and deep community investments.  
Yes. As of February 1, 2026, First Savings Bank is now part of First Merchants Bank following the legal close of the acquisition. For now, your day-to-day banking does not change. System integration will occur later in 2026, and we will notify you well in advance of any changes that affect you. 

No. While First Merchants is larger than First Savings Bank, we are not considered a large national bank. Our size allows us to offer robust products, digital tools, and lending capacity—while maintaining a community-bank feel centered on personal relationships and local decision making. 

Our service philosophy, Helping you prosper, reflects our commitment to putting our clients and communities first. 

Yes—but not immediately. You will continue to see the First Savings Bank name at your branch until we complete the integration and signage transition later in 2026.  
Yes. We also operate under our trade name: 
First Merchants Private Wealth Advisors (for wealth management and private banking services). 

Accounts, Deposits & Payments

No. Unless you are contacted directly, your account numbers will remain the same. 

The FDIC provides a six-month grace period after legal close during which deposits at both banks are treated as if they remain at separate institutions. This grace period extends through August 1, 2026. After August 1, 2026, total deposits between both banks will only be covered up to the FDIC limit of $250,000.

If you would like assistance reviewing your coverage options, our team can help. You may also contact the FDIC at 1877ASKFDIC. 

No. Your existing direct deposits and automatic payments will continue without interruption. No action is required. 
Yes. Please continue making loan payments exactly as you do today. If any changes are needed later, we will notify you well in advance.

Cards, Checks & Digital Access

Yes. Continue using all your First Savings Bank services—including checks, debit/ATM cards, online banking, and bill pay. 

As we approach conversion later in 2026, we will provide clear instructions and ample notice for any updates or new materials. 

The Debit Card Rewards Program will end on May 14, 2026. Reward points will continue to accrue until then but must be redeemed by May 14, 2026; any unused points will expire and cannot be redeemed after that date.

Consumer Products, Branch Access & Services

Not at this time. Your current products, rates, and fee structures remain the same through legal close. If any changes occur at system conversion, we will clearly outline what’s changing—and why—well before anything takes effect.

You will continue to use First Savings Bank locations until system integration is complete. Once we reach system conversion, you’ll gain access to First Merchants’ full network of branches and fee-free ATMs across Indiana, Michigan, Ohio, and Illinois. 

We will communicate the exact timing as we get closer, however the estimated timeline is Q2 2026.

No. The same teams you know and trust at First Savings Bank will continue to serve you. Our goal is a smooth transition with familiar faces and uninterrupted service.

Communication & Support

We will contact you directly by mail or email with any updates that impact your accounts, access, or day-to-day bank. It’s important that we have your current contact information, including email address.

Update your information within your FSB Online Banking by going to Self Service > Self Administration > Personal Preferences.

On the Mobile App select More > Login & Security > Contact Info

It’s important that we have your current contact information, including email address. Can we include instructions on how to check what we have on file and how to update if needed?

You’ll also find the latest information on our website at: 
firstmerchants.com/first-savings-bank 

Your local First Savings Bank banking center is always your best starting point. 
You can also contact First Savings Bank Customer First at 1.833.372.4968 or visit firstmerchants.com/first-savings-bank for updates. 

Integration Needs

System conversion is when your accounts, debit cards, checks, online banking, and other services transition fully to First Merchants’ systems. 

Ahead of conversion, you can expect: 

  • A detailed welcome guide 
  • New debit cards (if applicable) 
  • Instructions for online and mobile banking enrollment 
  • Any product or service updates 
We will ensure you have everything you need to make the transition easy. 
No immediate changes. You will continue to receive tax documents from First Savings Bank for the 2026 tax year. 
If reporting transitions to First Merchants at conversion, we will notify you.
Yes. All deposits remain insured by the FDIC up to the legal limit of $250,000 per depositor, per ownership category. 
The FDIC six-month grace period provides additional protection for customers with accounts at both banks. 
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