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Personal Checking Accounts

Open a First Merchants Checking Account

A First Merchants checking account can help simplify your life, with money management tools for checks and payments while giving you piece of mind with easy-to-use alerts and notifications for the activity on your account. Compare our checking accounts side by side, and choose the right one for you. 

First Merchants First Direct Checking Internal

A premium benefit account designed exclusively for employees of participating businesses or first responders and members of the military, teachers and healthcare workers.1


First Merchants Elite Checking Internal

A comprehensive account designed for our clients who value a whole bank relationship, maintain large balances, higher interest earnings and special benefits.


First Merchants Advantage Checking Internal

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


First Merchants Carefree Checking Internal

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


First Merchants Simple Access Checking Internal

A convenient online checking account with no overdraft fees to help build your banking history with ease.



Free Features of All Checking Accounts

Check Rates and Open an Account Now.

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Banking Solutions 

We also 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, families 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. Educational workers include any employee of a school system. Healthcare workers include physicians, nurses, emergency medical personnel, dental professionals and students, medical and nursing students, lab technicians, pharmacists, hospital volunteers, therapists and administrative staff.

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.