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NEW CHECKING ACCOUNT PROMO

Your Muncie neighbor for over 125 years.

Open your account today! Choose your new First Merchants checking account and earn up to $400

 

Stop by a Banking Center near you or open an account online using promo code 2020CKMD. 

 

OPEN AN ACCOUNT

Please see below for account qualifications.

Copy promotional code 2020CKMD and paste it into the Promo Code box.

Earn $400 with a new Elite Checking account 

Typically keep a high balance? Then Elite Checking – offering our highest available interest rate and other special benefits – is for you.  

  • All free features (see below)
  • Earn a high checking interest rate
  • No fee Money Market Savings[1]
  • No annual fee on new Home Equity Line of Credit (HELOC)[2]
  • CD and Money Market interest rate bonus
  • Free specialty checks and paper statements
  • Free official checks and money orders
  • Discount on safe deposit box rental (where available)
    • Maintain $15,000 minimum combined personal deposit balances; otherwise, $20 monthly maintenance fee.

OPEN AN ELITE CHECKING ACCOUNT

Please see below for account qualifications.

Copy promotional code 2020CKMD and paste it into the Promo Code box.

 

Earn $200 with a new Advantage Checking account

Like using your debit card? Have your paycheck direct deposited? You’ll love Advantage Checking, which offers benefits tailored to your financial lifestyle.

  • All free features (see below)
  • Earns interest
  • No fee Money Market Savings[1]
  • 50% discount on personal checks
  • Free official checks and money orders
  • ADDITIONAL SENIOR BENEFITS
    • No monthly maintenance fee for clients age 62+
    • Free specialty checks and paper statements
  • Make 15 debit card transactions or $500 direct deposits or maintain $1,500 minimum combined personal deposit balances; otherwise, $15 monthly maintenance fee.[3]

OPEN AN ADVANTAGE CHECKING ACCOUNT

Please see below for account qualifications.

Copy promotional code 2020CKMD and paste it into the Promo Code box.

Earn $100 with a new Carefree Checking account 

 

With Carefree Checking, the emphasis is on “free”: free ATMs, free overdraft protection transfers from any linked account and free mobile and text banking.

  • All free features (see below)

ADDITIONAL STUDENT BENEFITS

  • No monthly maintenance fee for clients under age 25[4]
  • Free paper statements

Make one customer-initiated transaction per month or maintain $100 minimum combined personal deposit balances; otherwise, $5 monthly maintenance fee.[5]

OPEN A CAREFREE CHECKING ACCOUNT

Please see below for account qualifications.

Copy promotional code 2020CKMD and paste it into the Promo Code box.

 

[1]Minimum balance of at least $1 in Elite Checking or Advantage Checking account and Money Market account to waive the Money Market Savings service charge of $8.
[2]Subject to credit approval. 
[3]Multiple deposit transactions of less than $500 will not qualify. Debit card transactions include PIN based, signature based or ATM withdrawal. 
[4]At age 25, must meet account requirements to avoid monthly maintenance fee. 
[5]Excludes bank service fees and charges, transaction must post during statement cycle.



Free Features of All Checking Accounts

 

  • Over 25,000 free ATMs nationwide with MoneyPass
  • Free overdraft protection transfers from any linked account
  • Free highly rated mobile app
  • Free online banking
  • Free enhanced Mastercard Debit Card with ID Theft Protection

Requirements to Earn Promotion

  • Must have a direct deposit of at least $500 within 60 days of account opening.[3]
  • Must use promo code 2020CKMD.
  • Offer valid only for accounts opened between April 3, 2020, and December 31, 2020.
  • Offer valid only for households with no current First Merchants Bank checking accounts.
  • Cannot be combined with other offers.
  • Offer valid to recipient only.


TO BE ELIGIBLE TO PARTICIPATE IN THE PROMOTION: to read: You must be a new First Merchants personal checking client. Clients with an existing personal checking account with First Merchants (either as the primary or secondary account holder) are not eligible. You must not have closed a personal checking account within 180 days of the promotion start date (on or after April 13, 2020). The primary account holder of the participating checking account must be 18 years old or older at the time of account opening and reside in Illinois, Indiana, Ohio or Michigan. First Merchants employee accounts are not eligible for this promotion.

OFFER INFORMATION: Get up to $400 for opening a new First Merchants checking account. Earn $100 for opening a new Carefree Checking Account, earn $200 for opening a new Advantage Checking Account or First Direct Account, or earn $400 for opening a new Elite Checking Account AND by depositing at least $100 at account opening (First Direct Checking accounts can be opened with $0), completing 15 transactions within 60 days of accounting opening, and completing at least one direct deposit of $500 or more within the first 60 days after account opening. Offer valid for new First Merchants personal checking accounts opened from April 3, 2020, through December 31, 2020. Enrollment in the promotion is required. (See Account Opening & Enrollment Instructions below.)

REWARD PROCESSING: After meeting the qualification requirements, the applicable reward will be credited to the new checking account up to 8 weeks after all qualifications are met. ‘Branch Checking Offer Reward” will appear on the monthly checking statement when the reward is credited to the account holder’s checking account. The reward amount will be based on the type of checking account open when First Merchants verifies that all promotional offer qualifications have been completed. Checking accounts closed within 180 days of opening will be charged a $50 account early closing fee. This promotion is only applicable once per client. First Merchants may report the value of any reward received through any offer to the Internal Revenue Service as required by law. Any applicable taxes are the responsibility of the recipient. In the event that we determine in our sole discretion that your account does not meet the eligibility criteria or the activity on your account does not qualify to meet the required conditions, we will not be obligated to credit your account with the reward payout.

OTHER TERMS: Minimum account opening deposit for a new checking account is $100 (First Direct Checking accounts can be opened with $0). The offer is non-transferable and may not be combined with any other offers. This offer is subject to change and may be discontinued at any time. 

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Interest rates are subject to change. Rates are tiered based on account balance, subject to change and determined by the bank. The minimum account balance to obtain APY is $0.01. Fees may reduce your earnings. 

DIRECT DEPOSIT: A qualifying Direct Deposit is an electronic credit to your account by your employer or an outside agency. Transfers from one account to another, or deposits made at a banking location or ATM, do not qualify as a Direct Deposit.

ACCOUNT OPENING & ENROLLMENT INSTRUCTIONS: Open your First Merchants account online at www.FirstMerchants.com and enter the promo code “2020CKMD” in the promotion box.