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Mobile Banking

Wherever you go, First Merchants follows.

Anywhere, anytime, any operating system. With Mobile Banking, you take financial freedom with you. Whether you’re at home, at work or on the go, you can check your balance, make transfers and more, all on your mobile phone!

Stay on top of your accounts by texting, or download our Mobile App from the App Store or Google Play, and sign-in to Online Banking using your phone’s Web browser. It’s real-time account access on your terms - no banking center needed. For more information, check out our FAQs.

Sign-up for Mobile Banking; it's simple!

Watch our entire Mobile Banking video series to learn how easy it is to download our mobile banking app and start mobile banking today!

Mobile Banking - Available Functions

Mobile Banking Available Functions
FunctionText BankingMobile App
Account Balances
Recent Transactions
Mobile Deposit 
Bill Payments 
Contact Us / Help
Location Finder 
Debit Card Controls 

Mobile Banking Terms and Conditions

Message and data rates may apply. Contact your wireless carrier for details. By playing videos on this page, you will be shown content embedded from, whose privacy and security policies differ from our site. First Merchants is not responsible for and does not endorse, guarantee, or monitor content, availability, viewpoints, products or services that are offered on other websites. First Merchants is not liable for any failure of products or services advertised on the linked web sites; may provide less security than


How do I add my debit card to my mobile wallet?
  • Access your mobile wallet on your phone and select the add card function. Add your First Merchants Mastercard® Debit Card by entering all necessary card information in the provided fields. If prompted, select a delivery method for receiving a one-time pass code. Enter that code and tap “Submit”. Once your card is added, you will receive an email confirmation. If no valid email is on file, you will receive a postcard in the mail.  
What happens if I change my wireless provider or mobile number?
  • You can make updates to your First Merchants Mobile Banking device information by logging in to Online Banking and selecting 'Manage mobile banking settings' under the Customer Service/Administration tab.

What is First Merchants Mobile Banking?
  • Mobile banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your mobile device capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds, pay bills and find nearest ATM or branch locations. Also, on the downloadable mobile banking application, you have the option to deposit checks.

How do I deposit a check with my phone?
  • To complete a mobile deposit, download our mobile banking app and log in using your online banking credentials. Select the gold plus symbol (“Mobile Deposit”) and choose which account will receive the funds. Endorse the check, take a photo and send it. The app will walk you through step by step. 
I activated Mobile Banking on my device's browser. Why am I being asked to activate again?
  • At the time of activation a "cookie" is stored on your device which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some devices may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier or device manufacturer for cookie support information. If you would like to reactivate, text R or RECOVER to 49794.

What Mobile Banking modes may I enroll?
  • Users may enroll for, both, the web/browser-based version of Mobile Banking as well as the downloadable applications, if supported. SMS/Text for Mobile Banking must be enrolled from the Mobile Banking Center using a personal computer. Click on the "Activate Now" link for SMS and follow the instructions presented on the screen.

What if I did not receive a text message to verify my Mobile Banking enrollment?
  • If you're having trouble receiving text messages, check with your wireless carrier or plan administrator to make sure your mobile phone has text functionality enabled. Standard rates apply, so you should check with your carrier to avoid unexpected charges.

I received an activation code but never used it. What do I do now?
  • Activation codes expire after a specific period of time. If you need a new one, return to the Mobile Banking enrollment site (called the Mobile Banking Center) and request a new activation code.

Which wireless carriers are supported?
  • We support most of the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon. If your carrier is not listed when you enroll, select 'Other' and try the Mobile Web option, or check back later, as new carriers will be added over time.

How do I opt out?
  • To unenroll a device, just log in to Online Banking and select 'Manage mobile banking settings' under the Customer Service/Administration tab. Personal users who have activated text banking may also text 'S' or 'STOP' to 49794 to deactivate text banking for that device.

How do I find where your ATMs are located?
  • To find an ATM near you, visit and click the “Locations” tab in the upper right corner. In the “Location Types” field, select “ATM” and enter your address, city, state or ZIP code. To find an ATM on the mobile app, click “More” then select “ATM Locations.” Enter your city, state or ZIP code for the nearest location.
What is the cost for First Merchants Mobile Banking?
  • First Merchants Mobile Banking is free, however, you may incur text or data charges from your wireless provider. Standard rates apply, so you should check with your carrier to avoid unexpected charges.

Can I use multiple devices to access First Merchants Mobile Banking?
  • Yes. To Enroll another Mobile Device, log in to Online Banking and select 'Manage mobile banking settings' under the Customer Service/Administration tab.

Do I have to have a particular phone or a text message or data plan?
  • Our First Merchants Mobile apps are available in the App Store, Google Play, and the Amazon Appstore for compatible devices.

    You must have text capabilities to use Text Banking (personal customers only) and web access to access Mobile Web. A text messaging and/or data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information, as your wireless carrier's standard charges for text and data usage apply.

I'm not enrolled for online banking. Can I still use Mobile Banking?
  • No, you must be enrolled in Online Banking or Business Online Banking before you can use Mobile Banking.

How do I enroll in First Merchants Mobile Banking?
What is my User ID?
  • Your User ID is the same as the User ID you established for Online Banking.

Do I have to accept the Terms and Conditions?
  • Yes. You must agree to the Terms and Conditions in order to use Mobile Banking.

How do I transfer the First Merchants Mobile Banking service to a new device?
  • To Enroll another Mobile Device, log in to Online Banking and select 'Manage mobile banking settings' under the Customer Service/Administration tab.

What do I use for a Mobile Number if I am using a tablet or MP3 device, such as an iPad or iPod?
  • When you use a non-phone device, such as tablets and MP3 players that are Internet-enabled and a phone number is requested, enter a phone number you can easily remember, such as your home phone or office phone.