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SIMPLE ACCESS CHECKING

Simple Access

Building a Foundation

Build banking history with a simple account that has no risk of overdrafts. Bank On-certified since 2022.

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Why Choose Simple Access Checking?

  • No opening deposit required1
  • Overdrafts are not enabled on this account to help you spend only what you have in your account and avoid the cost of overdrawing2
  • Money orders and official checks may be purchased for half price with cash

$4 Monthly Maintenance Fee

  • Request to transfer from the Simple Access Account into another First Merchants checking account once your account has been open for 12 months and has a positive balance
SimpleAccess-BankOn-Award

Included Features

  • Send money to friends and family quickly with Zelle®3
  • No Overdraft Protection Transfer fees4
  • Access to 40k+ ATMs with no fees through MoneyPass
  • ID theft protection5 & card controls with mobile wallet-ready Mastercard® debit card
  • Free eStatements and paper statements
  • Electronic cash withdrawals only, which can be made at the ATM, through a point of sale purchase, or as a cash advance in the banking center
  • No paper checks, except those processed through Online Bill Pay
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    Check out the full list of features and fee information.

Benefits of Banking with a Best Bank6

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1 Make a deposit within 60 days to avoid account closure or maintenance fees. Other service fees may apply. Please see our Banking Fees.

2 Certain restrictions may apply.

3 Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. To send or receive money with Zelle®, both parties must have an eligible checking or savings account.

4 To help you avoid overdraft fees, we recommend calling or coming into a branch to link another First Merchants account for overdraft protection transfers. If you overdraft, we’ll automatically transfer funds in $50 increments from your linked deposit account—with no transfer fee. Linked account balance must cover the overdraft, and standard account fees may still apply.

5 Certain restrictions, terms, and conditions apply.

6 See details on our ‘Best bank’ awards at firstmerchants.com/awards-accolades

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