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Personal Checking Accounts

 Checking Your Way

First Merchants' personal checking accounts simplify your banking experience and reward you for the things you already do. 

Free Features of All Checking Accounts

Our Personal Checking Accounts

An account with premium benefits exclusively for employees of participating businesses or first responders and members of the military.¹ Learn More.

Designed for our clients who value a comprehensive, whole bank relationship and maintain large balances, this account earns our highest interest and special benefits. Learn more.


An interest-bearing account with special benefits created for clients who are frequent debit card users or receive monthly direct deposits. Learn more.


Great for clients who want a simple, easy account that includes all of our free features. Learn more.


Banking Solutions 

We offer a broad range of banking solutions to answer all of your financial needs.
Check out our comprehensive services:
  • Mortgage Lending - Your local mortgage expert can help determine which loan is right for you, how much home you can afford, and what you'll need for loan approval.
  • Wealth Management - We partner with individuals, familities and organizations to provide comprehensive solutions and personal service in pursuit of a secure financial futures.
  • Business Banking - We are a proud partner to business owners in our local communities with our combination of vast financial resources and personal, local service.
  • Personal Loans - For all stages of life, we have loans that are uniquely designed for almost anything you need, including large purchases, home  improvements, vacations, and more.
  • Vehicle Loans - We offer loans for new and used cars and trucks, and we can even help you refinance a current loan.

¹First responders include police, firefighters and paramedics. Military includes active members and veterans of the Army, Navy, Marine Corps, Air Force, Coast Guard and National Guard.

Investment Management solutions provided by First Merchants Private Wealth Advisors may not be FDIC insured, are not deposits of First Merchants Bank, and may lose value. Investments are not guaranteed by First Merchants Bank and are not insured by any government agency.

Other service fees may apply. Please see our Banking Fees.

Ready to get started? Open an account online

Open a personal checking, savings, or CD account online in about 10 minutes, anytime you like! You’ll just need some identification documents and a way to make an opening deposit; our system will guide you through the process.