Get Up to $600*

^*To qualify, you must be a new FMB personal checking customer. Existing personal checking customers or those who have closed an FMB personal checking account (either as the primary or secondary account holder) within 24 months of the offer start date and the opening date of the new account (on or after 7/1/26) are not eligible. The primary account holder must be at least 18 years old. FMB employees are not eligible. This offer is limited to one per client. To earn this offer, you must ask an FMB banker to enroll you in the “FMBSEM26 Checking Offer,” or enter the promo code when opening online, when opening a new Prosper or Prosper Plus Checking account between 7/29/26 - 12/31/26. You can get $300 when you open either a Prosper Checking OR Prosper Plus Checking account AND establish a direct deposit* of $500 or more within 90 days of opening the account. *A qualifying Direct Deposit is an electronic credit to your account by your employer or an outside agency. Internal or External transfers from one account to another, deposits made through Zelle®, or deposits made at a banking location or ATM, do not qualify. Multiple deposits of less than required amount will not qualify. You can get an additional $300 when you maintain a $15,000 minimum daily balance beginning on the 8th calendar day after account opening. The balance requirement must be met through the 90th calendar day following account opening. If all qualifications are met, the offer will be credited to the new account in the 6th month following account opening and will appear on your statement as “New Checking Offer Reward.” This promotion is only applicable once per client. FMB may report the reward value to the IRS as required, and any taxes are the recipient’s responsibility. Offer is awarded at FMB’s sole discretion. If the account is closed by you or FMB within 6 months of opening, you may be charged up to the full offer amount ($600 or $300) and a $50 early closing fee. If a customer applies for two offers, FMB will choose the incentive offer that is paid. This offer may change or be discontinued at any time.

¹Terms and conditions apply. Early Pay is a free service that First Merchants Bank offers at its discretion. We can’t guarantee you’ll always get your paycheck early—it depends on how and when your employer sends us your direct deposit. Not all employers send deposits early or label them in a way that qualifies for Early Pay. If your deposit doesn’t meet the criteria, it will arrive on your regular payday.

²Variable interest rates tiered based on total aggregate daily balance. (a) The aggregate balance for the Relationship Money Market account and the aggregate balance for the Prosper Plus account are each calculated as a running average. The running average for each account is determined by adding together all daily balances for that account from the beginning of the calendar month through the current day and dividing that total by the number of calendar days month to date. (b) Then the aggregate daily balance for both the Relationship Money Market account and the Prosper Plus account are added together to create the total aggregate daily balance. The total aggregate daily balance determines the balance tier for the variable interest rate. (c) If the total aggregate daily balance is at least $20,000 every day of the month, interest will be calculated using the relationship rate. If the total aggregate daily balance is less than $20,000 on any one day, interest will be calculated using the standard money market rate. (d) Interest is then calculated using the balance maintained in your Relationship Money Market account only and will accrue daily and credit monthly. (e) Because aggregate balances are calculated based on the calendar month, if your account is opened after the first day of the month, you may not be able to meet the requirements to earn the relationship rate for that month. (f) The interest rate and annual percentage yield for these tiers may change at any time and are made at the bank’s discretion. (g) If you close your account before interest is credited, you will not receive the accrued interest. (h) We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the Relationship Money Market each day. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). (i) Only one Relationship Money Market per primary account owner is allowed. Must have First Merchants Prosper Plus checking account and Relationship Money Market with the same primary owner. Total aggregate daily balance must be $20,000 in Prosper Plus and Relationship Money Market in order to earn relationship rate. Failure to meet these requirements will result in the account earning standard money market rates.

³Certain restrictions, terms, and conditions apply. Please see www.mastercard.us/zero-liability for more details. Mastercard® benefits are offered through Mastercard® card services. Please call 1-800-MASTERCARD for assistance. Mastercard® Enhanced Benefits are provided by Mastercard® to First Merchants Personal Mastercard® debit card holders at no additional cost.

⁴Multiple deposits of less than required amount will not qualify to waive the monthly maintenance fee.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.