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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

  • Get paid up to 2 days sooner with Early Pay—it’s free and automatic for qualifying direct deposits3
  • Send money to friends and family quickly with Zelle®4
  • No Overdraft Protection Transfer fees5
  • Access to 40k+ ATMs with no fees through MoneyPass
  • ID theft protection6 & 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 Bank7

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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 Terms and conditions apply. Early Pay is a free service that First Merchants Bank offers at its discretion. We can’t guarantee you’ll always get your paycheck early—it depends on how and when your employer sends us your direct deposit. Not all employers send deposits early or label them in a way that qualifies for Early Pay. If your deposit doesn’t meet the criteria, it will arrive on your regular payday.

4 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.

5 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.

6 Certain restrictions, terms, and conditions apply.

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

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