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First Direct Checking

First Merchants First Direct Checking

 A checking account with premium benefits exclusively for employees for participating businesses or first responders and members of the military.


Check Rates and Open an Account Now.

First Direct features:

Who's eligible:

  • Employees of companies that participate in the First Direct Program
  • All first responders and members of the military5
Picture of businessman working at computer

How to keep it free:

Make one direct deposit of at least $200 monthly.4 Otherwise, $10 monthly maintenance fee.

Other service fees may apply. Please see our Banking Fees.

In Interest tiers starting at $2,500. Interest is accrued daily and credited monthly.
Subject to credit approval.
An NSF/OD item is defined as 1 or more items presented to an account with non-sufficient funds on a business day.
Multiple deposits of less than $200 will not qualify. First direct deposit must be received within 30 days of account opening.
First 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. Note: Annual Percentage Yield is abbreviated by APY.

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

6Must have a bank account in the U.S. to use Zelle

Please see terms and conditions of First Merchants Mobile Banking.