Please see terms and conditions of First Merchants Mobile Banking.
[1] 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. [2] Certain restrictions may apply. [3] We'll automatically transfer funds to cover your negative balance, in $50 increments on linked deposit accounts. [4] Must have a bank account in the U.S to use Zelle®. Zelle and Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. [5] Make a deposit within 60 days to avoid account closure or maintenance fees.