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Welcome

We've given our site a new look!  No need to re-enroll; just use your existing signin information. 
Looking for Business Online Banking? Using the Sign In To Online Services box, select 'Business Online Banking' instead of 'Personal Online Banking.'

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FAQs

What Internet browser should I use to access Online Banking?

What information do I need to sign in to Online Banking?

What page should I bookmark to sign in?

What if I lock myself out of my account?

Can I change my user ID if I want to?

How do I sign in to a joint account?

How do I sign in to other online services, like my credit card or 401k account?

Does my Available Balance include overdraft coverage amounts?

How much account history is available?

Can I see images of my deposits?

How do I order checks within Online Banking?

How do I see if a check or deposit has cleared my account within Online Banking?

What are external transfers?

How much can I transfer between accounts via external transfers?

What is the cutoff time for transfers between my accounts with First Merchants/Lafayette Bank & Trust?

What is the cutoff time for transfers to accounts at other institutions?

What is Overnight Check Delivery?

How do I pay a bill online?

Can I try out Business Online banking before enrolling?

How secure is my account information with Business Online Banking?

How do I sign in to other online services, like remote deposit or merchant services?

How do I get assistance with Business Online Banking?

Can I send and receive messages in Business Online Banking?

Where do I log in to Business Online Banking?

What information do I need to sign in to Online Banking?

What is the “One-Time Security Code” needed to log in?

The phone number listed for the One-Time Security Code is not a valid number.

What page should I bookmark to sign in?

What if I lock myself out of my account?

How much account history is available?

Can I see images of my deposit tickets?

What types of accounts can be accessed on Business Online Banking?

What is the cutoff time for internal bank transfers?

What are the Business Bill Pay limits?

Can I use Business Online Banking to pay my First Merchants Loan?

How do I sign up for eStatements?

Do I have to be an Online Banking customer to receive an eStatement?

Which accounts have eStatements available?

Is there a fee to sign up for eStatements?

How will I know when my statement is ready?

Will the same information be in my eStatement as it is in my paper statement?

Are eStatements secure?

What are the benefits of eStatements?

How do I view my eStatement? What software do I need?

How long will my eStatement be available?

Will I still receive my check images if I select eStatements?

What if I still have more questions?

Do I have to have a particular phone or a text message or data plan?

I activated Mobile Banking on my device's browser. Why am I being asked to activate again?

Which wireless carriers are supported?

How do I enroll in First Merchants Mobile Banking?

Which mobile devices are supported?

Is Mobile Banking secure?

What happens if I change my wireless provider or mobile number?

What if my phone is lost or stolen?

How do I transfer the First Merchants Mobile Banking service to a new device?

What is the cost for First Merchants Mobile Banking?

How do I opt out?

Can I use multiple devices to access First Merchants Mobile Banking?

What is First Merchants Mobile Banking?

What if I did not receive a text message to verify my Mobile Banking enrollment?

I'm not enrolled for online banking. Can I still use Mobile Banking?

What Mobile Banking modes may I enroll?

What is my User ID?

Can I save my User ID on the device?

Do I have to accept the Terms and Conditions?

What is my Password?

What if I do not remember my User ID or Password?

What do I use for a Mobile Number if I am using a tablet or MP3 device, such as an iPad or iPod?

I received an activation code but never used it. What do I do now?

What is a chip card?

Where can I use my chip card?

How do I use my chip card at a chip-enabled register?

How do I use my chip card at a First Merchants ATM?

Can I still choose to either enter a PIN, or sign for purchases to earn Rewards points?

Will my card work the same for online and phone transactions?

How do chip cards work?

Why are chip cards safer?

Why is my MasterCard card being upgraded to a chip card?

Do I need to take any action?

When will I get a chip card?

Will I be charged for this new chip card feature?

Will my chip card look the same as my current card?

Will I still be able to earn Gold Standard Rewards? Will I keep the points I've already earned by using my current card?

Can I request a chip card now if I want one?

Where can I learn more about chip cards and chip technology?

Does a Smart Home Refi work if I already have a second mortgage?

Does a Smart Home Refi require a home appraisal?

Can a Smart Home Refi lower my home mortgage interest rate?

Can I use the Smart Home Refi’s cashout option if I have equity in my home?

What is a Home Equity Line of Credit (HELOC)?

What do I need to know about a HELOC?

What's the difference between a Home Equity Loan and a Home Equity Line of Credit (HELOC)?

What are approved uses of a Home Equity Loan or Home Equity Line of Credit (HELOC)?

What does “loan to value” ratio mean, and how does it affect my Home Equity Loan or Home Equity Line of Credit (HELOC) rates?

How can I access my Home Equity Line of Credit funds?

How many times may I access my Home Equity Line of Credit funds?

What is First Merchants Bank Text Banking?

What does SMS mean?

How many text messages will I receive daily?

What number do I send text commands to?

What text commands can I use with First Merchants Text Banking?

How much will I be charged for each text received?

Will I receive unsolicited text messages?

I enrolled in Text Banking with my phone number but did not receive a text message. What should I do?

Is there a limit for Mobile Deposit?

Do I need to sign up for Mobile Deposit?

What is the cut-off time for mobile deposit?

When will the mobile check deposit appear in online banking?

What items can I deposit via mobile deposit?

What should I do if I have an ineligible check I need to deposit?

What if I can’t get my eligible check to be accepted?

When will I have access to my funds via mobile deposit?

What should I do if my deposit is not accepted?

Who can I reach out to for help?

Is there a fee for Mobile Deposit?

Do I need to use a deposit slip?

What if an account is not listed in my Mobile Deposit menu?

Do I photograph both the front and the back of my check?

How do I endorse my check for Mobile RDC?

How will I know if my financial institution received my deposit?

How will I know if my financial institution processed my deposit?

Can I photograph more than one check at a time?

What if the check image I photographed is bad?

Do I destroy my check after I photographed the deposit?

Will my deposited check be available in transaction history?

What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit?

What if I submit the same deposit twice in error?

Where can I find the First Merchants mobile application to download?

Are there any smartphone shortcuts available?

Can I view all of my accounts?

How current is the balance information?

Can I pay my bills?

How do I access Mobile Banking on my phone's browser?

How do I optimize my mobile web experience?

How do I navigate Mobile Banking links with my mobile device's browser?

Is Mobile Banking supported on my tablet?

Is there a difference for consumer and business cardholders?

If I'm traveling internationally, will I still receive alerts?

How can I stop text messages if I don’t want to receive them any longer?

Will I receive Fraud Alerts 24 hours a day?

If I respond back that the transaction(s) are valid, will you automatically unblock my account?

If I receive an alert, does that automatically block my account from further purchases?

How do I enroll in Fraud Alerts?

How do I know whether I'll receive a Fraud Alert via text, a call, or an email?

What triggers a Fraud Alert?

If a transaction is declined due to suspected fraud, but I validate that I did make the purchase, can I try to complete the purchase again?

HOW CAN WE HELP?

Have questions or need assistance? Just give us a call at 1.800.205.3464. Our Customer Service team is available weekdays from 7 a.m. until 8 p.m. ET, and from 9 a.m. until 3 p.m. ET on Saturdays.

Looking for a different number or an online form? Find it on our contact page.