Personal Checking Accounts

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Personal Banking
Personal Checking Accounts

Refer a Friend and You Could Earn up to $500!

Even family members. You do the math. When you tell your friends about First Merchants and they open a new First Merchants Personal Checking Account or Auto Loan, you could earn up to $500 a year when referring multiple friends!

Take Control of Your Financial Future

First Merchants Personal Finance helps you to seamlessly manage your money and track your finances, all in one place.

Checking Your Way

First Merchants' personal checking accounts simplify your banking
experience and reward you for the things you already do.

Free Features of All Checking Accounts

MoneyPass - More than 25,000 free ATMs nationwide. Learn More
Overdraft Protection Transfers - Free from any linked account. Learn More
Online and Mobile Banking - Bank from anywhere with Mobile Deposit Learn More
Zelle^®: Quickly and easily send money to friends and family with Zelle. Available within our mobile app.²
Enhanced MasterCard Debit Card - With Identity Theft Protection. Learn More
Samsung Pay and Apple Pay - Keep moving with Mobile Wallet. Learn More
eStatements - Free with every account. Learn More

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Our Personal Checking Accounts

First Merchants First Direct Checking

An account with premium benefits exclusively for employees of participating businesses or first responders and members of the military.¹ Learn More.

First Merchants Elite Checking

Designed for our clients who value a comprehensive, whole bank relationship and maintain large balances, this account earns our highest interest and special benefits. Learn more.

First Merchants Advantage Checking

An interest-bearing account with special benefits created for clients who are frequent debit card users or receive monthly direct deposits. Learn more.

First Merchants Carefree Checking

Great for clients who want a simple, easy account that includes all of our free features. Learn more.

Banking Solutions

We offer a broad range of banking solutions to answer all of your financial needs.

Check out our comprehensive services:

Mortgage Lending - Your local mortgage expert can help determine which loan is right for you, how much home you can afford, and what you'll need for loan approval.
Wealth Management - We partner with individuals, familities and organizations to provide comprehensive solutions and personal service in pursuit of a secure financial futures.
Business Banking - We are a proud partner to business owners in our local communities with our combination of vast financial resources and personal, local service.
Personal Loans - For all stages of life, we have loans that are uniquely designed for almost anything you need, including large purchases, home improvements, vacations, and more.
Vehicle Loans - We offer loans for new and used cars and trucks, and we can even help you refinance a current loan.

¹First responders include police, firefighters and paramedics. Military includes active members and veterans of the Army, Navy, Marine Corps, Air Force, Coast Guard and National Guard.

Investment Management solutions provided by First Merchants Private Wealth Advisors may not be FDIC insured, are not deposits of First Merchants Bank, and may lose value. Investments are not guaranteed by First Merchants Bank and are not insured by any government agency.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

²Must have a bank account in the U.S. to use Zelle.

Please see terms and conditions of First Merchants Mobile Banking.