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Mobile Deposit

Check Another Thing off Your List.

Thanks to the Mobile Deposit feature of the First Merchants Mobile app, depositing checks is now as simple as snapping a picture on your smartphone or tablet device. Now, there’s no need to rush to the bank or wait in line. Thanks to Mobile Deposit, you can securely deposit your checks wherever and whenever you want. Best of all, Mobile Deposit is available for download as part of the First Merchants Mobile app.

Simply Snap and Send!

With Mobile Deposit, you can deposit checks from almost anywhere for Apple or Android devices in just a few simple steps.

All you have to do is download our Mobile Banking App and log in using your online banking credentials. Select Mobile Deposit and choose which account will receive the funds. Simply endorse the check, take a photo and send it. Just follow the instructions in the app, or watch our How to Make a Mobile Deposit video.

Manage Your Money Anytime, Anywhere.

Wherever the day takes you, bring your bank along for the ride with the First Merchants Mobile app. Use your smartphone or tablet to deposit checks, check balances, pay bills, transfer funds, locate banking centers/ATMs and much more.

Download Today!

The First Merchants Mobile app for smartphones and tablets is available for download now at the App Store, Google Play or Amazon Appstore.

For phones:

 Button to click for Android App on Google play     Button to click to go to the Apple App Store

For tablets:

 googleplay-btn       appleapp-btn       amazon-btn


To use the First Merchants Mobile app, you must be an Online Banking user of First Merchants Bank. Android and Google Play are trademarks of Google Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Amazon is a trademark of, Inc. or its affiliates.

Find out more about enrollment requirements, what types of checks are accepted, deposit limits, and more by reading our FAQs.

Mobile Banking Terms and Conditions

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Are U.S. Treasury Checks accepted via mobile deposit?
  • No. Checks or items that are drawn or otherwise issued by the U.S Treasury Department are not accepted through mobile deposit. You will need to go to one of our nearest banking center locations to deposit a U.S. Treasury Check.

When will the mobile check deposit appear in online banking?
  • Checks deposited prior to 9 p.m. ET on a business day will appear in online or mobile banking the next day. Deposits made after 9 p.m ET will be considered as deposited on the next business day. If your deposit is rejected for any reason, you will be notified by phone. Mobile check deposits are subject to review prior to acceptance.

    For instance:

    • Deposits made at 3:00 pm ET on a Tuesday will be displayed in online and mobile banking on Wednesday morning.
    • Deposits made at 10:00 pm ET on a Tuesday will be considered deposited on Wednesday and therefore displayed in online and mobile banking on Thursday morning.
    • Deposits made on Saturday will be visible on Tuesday morning.
Do I need to use a deposit slip?
  • No, you don't need a deposit slip when using Mobile Deposit. You'll enter the deposit amount within the Mobile Deposit app.

What items can I deposit via mobile deposit?
  • Personal or business checks made payable to you are eligible for mobile deposit with the following exceptions:

    • Canadian and other foreign items
    • Substitute checks
    • Savings bonds
    • Draft items
    • Items dated more than 6 months prior to the date of deposit
    • Items payable to any person or entity other than yourself
    • Items made payable to more than one person or entity
    • Items containing an alteration to the front or back of the check
    • Items you know or suspect are fraudulent
    • Remotely created checks as defined in Reg CC
    • Items requiring any restrictive endorsement
    • Previously deposited items
When will I have access to my funds via mobile deposit?
  • In most cases, if you make your mobile deposit before 9 p.m. ET on a business day, 100% of your funds will be available the next day.  For deposits made after the cutoff or on a non-banking day, the item will be considered as deposited on the next business day.

    However, all mobile deposits are subject to review and thus longer delays may apply. We will notify you if we delay your ability to withdraw funds and we will tell you when the funds will be available.

What if the check image I photographed is bad?
  • You have the option to retake photographs of the check before submitting or you may cancel the deposit. Also, the system will notify you if the image is unclear for processing. If you are unable to photograph a clear image, please take your deposit to a banking center or deposit-accepting ATM for processing.

How will I know if my financial institution processed my deposit?
  • When your deposit is processed, you will receive a second e-mail notification on the status of your deposit. This e-mail will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided.

What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit?
  • No, you do not need to resubmit your deposit. If you entered the wrong amount for the deposit, our operations center will correct the deposit amount.

What should I do if I have an ineligible check I need to deposit?
  • Items not eligible to be deposited via mobile deposit can be taken to a banking center, mailed to a banking center or mailed to a banking center office.

Will my deposited check be available in transaction history?
  • Yes, once your deposit clears, it will be available in your transaction history. You may also view your Mobile Deposit history in the First Merchants Mobile app.

What is the cut-off time for mobile deposit?
  • Items we receive by 9 p.m. ET

What should I do if my deposit is not accepted?
  • If your deposit is rejected, we'll notify you via email.

    If the item exceeds your daily Mobile Deposit limit, you may be able to deposit it later using the First Merchants Mobile app. If the item is valid but doesn't meet the Mobile Deposit requirements, you'll need to either visit a banking center or mail the item with a deposit slip to a banking center.

Who can I reach out to for help?
  • Our Customer Service area is happy to help. You can reach them at 1.800.205.3464.

What if I submit the same deposit twice in error?
  • If the same deposit is submitted twice, it will be identified and stopped by our process. Should this occur, you will receive a declined deposit notification for the second deposit received through the Mobile Deposit service.

Do I photograph both the front and the back of my check?
  • Yes. During the deposit process, you will be required to photograph the front and back of your check.

What if an account is not listed in my Mobile Deposit menu?
  • In most cases, eligible accounts will automatically be signed up for Mobile Deposit. If you have an eligible account that has not been enabled, please call us at 1.800.205.3464 for assistance. Please note that savings accounts are not eligible for use with the Mobile Deposit service.

What if I cannot get my eligible check to be accepted?
  • Occasionally, an eligible item cannot be accepted for mobile deposit due to a lack of image compatibility. This can happen with poor lighting or due to a busy background of the check. If possible, try to deposit again with different lighting conditions. If the item is still not accepted, please utilize other channels to deposit your item.

Is there a fee for Mobile Deposit?
  • No, there is no additional fee for utilizing mobile deposit.

How do I endorse my check for Mobile RDC?
  • You should sign your check with the following endorsement: For Deposit Only Your Account Number Your Signature

Can I photograph more than one check at a time?
  • You may photograph multiple checks in the same mobile banking session; however you may only photograph one check per deposit.

Do I destroy my check after I photographed the deposit?
  • No, keep the check until it posts to your statement. Afterwards, you may securely destroy the check after 7 days. Do not VOID the check after submittal in the event the deposit is not approved and needs to be re-submitted.

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. 
How will I know if my financial institution received my deposit?
  • You will receive a notification by e-mail when your deposit has been received.

How do I enroll in Mobile Banking?
  • Once you are enrolled in First Merchants online banking, you can download the First Merchant app from the App Store/Play Store by searching for "First Merchants Mobile App." Once the app is downloaded, sign in with your online banking username and password. Choose a 4-digit code or face ID for future logins.
Do I need to sign up for Mobile Deposit?
  • In order to use First Merchants Mobile Deposit, you must have enrolled in online banking and mobile banking.  Mobile Deposit is available to all consumers in addition to business users who are administrators in online banking.

Is there a limit for Mobile Deposit?
  • Yes, checks over $3,000 are not eligible for mobile deposit. Additionally, there is a $3,000 daily submission aggregate limit to the mobile deposit service. If you have items to deposit that exceed the daily limit, please deposit the following business day. Any items deposited that exceed a daily submission limit of $3,000 will be rejected.