Please see terms and conditions of First Merchants Mobile Banking.
*We will decline or return transactions when you do not have enough money in your account to cover the charge. However, you could still end up with a negative balance if, for
example, a transaction is approved for one amount, but then the actual charge is larger than the balance you have in your account (like when you add a tip at a restaurant after the transaction for the
meal was already approved). Even if you have a negative balance, we will not charge you an overdraft fee.
**Make a deposit within 60 days to avoid account closure or maintenance fees.