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Frequently Asked Questions (FAQ)

Choose your FAQ category through the drop-down menu below.
You can use online banking to transfer your payments monthly or set up automatic recurring transfers. Log in to online banking and navigate to the “Pay and Transfers” tab. Under “Loan Payments,” select “Make a Loan Payment.” Add the account you wish to pay from and choose the account that is to receive the funds. Click “Continue” and select if you would like to make a regular payment or one with additional funds to reduce the principal. Finally, select the date the payment is to be made.
Visit your local banking center with a valid ID and speak with a banker, or call customer service at 1.800.205.3464 to update your address.
To dispute a charge, visit your local banking center or call customer service at 1.800.205.3464 to file a dispute. However, please note that you may need to follow up at the banking center.
Log in to online banking and go to the “Accounts” tab. Select “eDocuments and read through the Terms and Conditions located at the lower half of the page. Copy the code listed at the bottom of the terms and enter the code in the “Confirmation Code” box at the top of the page. You will then be registered for eStatements. Open at least one statement to verify all eStatements have been created.
To add text banking, log in to online banking. Under the “Customer Service” tab, select “Manage Mobile Banking Settings and Add Text Banking.” To enroll your mobile device, select your mobile carrier and enter your mobile phone number. View and accept the terms and conditions and click “Enroll.” Select “Continue” to activate text banking. You will then receive a text message for confirmation. Reply with the activation code on screen to complete the enrollment.
To sign up with direct deposit, use routing number 074900657 along with your account number. You can also provide your employer with a voided check if accepted.

There are multiple ways you can access your Home Equity Line of Credit funds. Credit Line Equity Access Checks or Credit Card—access your funds via credit line equity access checks or credit card transaction using the Equity Access checks or card associated with your HELOC.

  • Online—Simply log in to your online banking account and easily transfer money from your HELOC directly into your checking or savings account.
  • Telephone Request—Call customer service at 1.800.205.3464 to request a credit advance from your Credit Line be applied to your designated account.
  • Request by Mail—Mail a request to your local banking center.
  • In-Person Request—Visit your local banking center to request a credit advance.
For a copy of your monthly bank statement, visit your local banking center or call customer service at 1.800.205.3464. You may also access statements in online banking. Under the accounts tab you’ll see tabs for “eDocuments” and “eStatements.”
To order a new First Merchants debit card, visit your local banking center. To reorder a debit card, visit your local banking center or call customer service at 1.800.205.3464.
To request a refund, visit your local banking center or call customer service at 1.800.205.3464.
Visit firstmerchants.com and select “Enroll Now” under “Sign in to Online Services” at the top left of the page. Select the type of account you wish to add to online banking and agree to the terms. Click “Continue” and enter your account information. If you are having trouble signing up, you can also visit your local banking center or call customer service at 1.800.205.3464.
You can add a signer to your account by bringing him or her with you to one of our banking centers. The new signer will need to provide two forms of ID.
Simply navigate to the Refer a Friend website page. Use the form on this page to register. After you’re registered, you can invite your friends and family. Once your friend registers for the referral offer using your personal referral link and then opens a First Merchants Bank personal checking account with a deposit of $100 or more AND completes 15 debit card transactions (excluding ATM transactions) within 60 days of account opening, you will each receive a $50 Mastercard® Reward Card. The more friends you refer, the more you can earn – up to $500 per calendar year.
Access your mobile wallet on your phone and select the add card function. Add your First Merchants Mastercard® Debit Card by entering all necessary card information in the provided fields. If prompted, select a delivery method for receiving a one-time pass code. Enter that code and tap “Submit”. Once your card is added, you will receive an email confirmation. If no valid email is on file, you will receive a postcard in the mail.
To complete a mobile deposit, download our mobile banking app and log in using your online banking credentials. Select the gold plus symbol (“Mobile Deposit”) and choose which account will receive the funds. Endorse the check, take a photo and send it. The app will walk you through step by step. 
Visit your local banking center with a valid ID and speak with a banker, or call customer service at 1.800.205.3464 to update your contact information. You can also update your contact information and other personal details by logging in to your First Merchants online banking account. Choose “Customer Service,” then “Manage Contact Information” and select “Change.”  
Once you are enrolled in First Merchants online banking, you can download the First Merchant app from the App Store/Play Store by searching for "First Merchants Mobile App." Once the app is downloaded, sign in with your online banking username and password. Choose a 4-digit code or face ID for future logins.
To request a name change, visit a local banking center for assistance. You will need a marriage certificate, divorce decree or court order AND an updated form of ID.
Please visit your local banking center or call customer service at 1.800.205.3464. You can also order checks by signing in to your online banking account and selecting “Order Checks” under the “Customer Service” tab. Select the correct account number and you will be directed to the Deluxe Checks ordering website.
To find an ATM near you, visit firstmerchants.com and click the “Locations” tab in the upper right corner. In the “Location Types” field, select “ATM” and enter your address, city, state or ZIP code. To find an ATM on the mobile app, click “More” then select “ATM Locations.” Enter your city, state or ZIP code for the nearest location.