Identify First Merchants Text Messages
How to Determine if a Text is from First Merchants Bank
Scammers often trick individuals and gain access to personal information through text messages—but banks and legitimate businesses also use texts to communicate important information.

So – how do you know if a text is safe?
Like many financial institutions, First Merchants uses consistent “short codes”—abbreviated, secure five- or six-digit phone numbers that are unique to the sender—to reach out to customers. The code or number may be different depending on the content of the text or the reason behind the message.
You can double check any text or SMS message you receive against our short codes below to verify the message is legitimate. We recommend saving these short codes as contacts on your phone so you'll instantly know when a text message is from First Merchants.
First Merchants Bank Short Codes:
86975 – Debit Card Fraud Alert
You will receive a one-time notification from this number alerting you to suspicious activity on your debit card. If you receive a text from this number, we encourage you to log in to your online banking portal or to contact customer care via the number listed on our website.
86434 – Secure Access Codes and Alert Notifications
You will receive one-time notifications from this number with a secure access code as part of our multi-factor authentication process. You may also receive general alerts from this number.
226563 – Text Banking
You will receive alerts from this number when you interact with our Text Banking services.
77972 – Informational Messages
Alerts from this number contain links to helpful information about personal finance management, valuable offers, current scams, and more!
76128 – Debit Card Secure Authentication
Messages from this number confirm that your First Merchants debit card has been added to a mobile wallet.
20736 – Zelle® Notification
You will receive one-time alerts from this number while using Zelle®. These alerts may include sending and receiving confirmations, Zelle® account balances, or other relevant information.
75243 – Connecting External Accounts with Plaid
You will receive one-time verification codes from this number when you add external accounts to your mobile or online banking dashboard using Plaid.
57358 – Account Opening
When you open a new account, you will receive one-time text alerts and verification codes from this number.
301128 – Consumer Lending
You will receive alerts from this number when you interact with our Consumer Lending professionals.