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If you get an unexpected call, text, or email asking for personal or financial account information, protect yourself by hanging up or deleting the text or email without responding. Call our Customer Care team to be sure you are speaking with First Merchants. 

Personal Banking

Personal Banking.
For A More Confident You.

Enjoy the benefits of attentive, individually tailored service. Our welcoming and dependable bankers are empowered to help you succeed. So, take a breather — we'll be here to help you prosper.

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Explore Our Personal Banking Services

Bank Accounts For Every Need

Whether you want to manage your money day-to-day, build your savings for the road ahead, or something else, we have an account for you.

Elevate access and ease.

With online banking and a secure, highly rated mobile app, managing your money is straightforward and banking on-the-go is safe and simple.

Fueling Your Financing Needs

No matter what stage of life you’re in, you can depend on First Merchants for your financing needs.

Make Your Money Accomplish More

See what sets our attentive, collaborative team apart when you choose to take advantage of First Merchants’ full range of wealth management services.

Services That Serve You Well

Whether we’re talking about the services we provide or the attentiveness our team brings to the table every day, we have more to offer that supports your financial success.

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You can use mobile or online banking to transfer your payments monthly or set up automatic recurring transfers. Log in to online banking and navigate to the “Pay and Transfers” tab. Under “Loan Payments,” select “Make a Loan Payment.” Add the account you wish to pay from and choose the account that is to receive the funds. Click “Continue” and select if you would like to make a regular payment or one with additional funds to reduce the principal. Finally, select the date the payment is to be made.

There are multiple ways you can access your Home Equity Line of Credit funds. Credit Line Equity Access Checks or Credit Card—access your funds via credit line equity access checks or credit card transaction using the Equity Access checks or card associated with your HELOC.

  • Online—Simply log in to your online banking account and easily transfer money from your HELOC directly into your checking or savings account.
  • Telephone Request—Call customer service at 1.800.205.3464 to request a credit advance from your Credit Line be applied to your designated account.
  • Request by Mail—Mail a request to your local banking center.
  • In-Person Request—Visit your local banking center to request a credit advance.
It’s easy to enroll your accounts into eStatements. Simply go to the More tab, Select the eDocument Preferences, then choose the account and follow the steps.  You will then get your next statement in the eDocuments. These are easily printable pdfs in eDocuments.

To complete a mobile deposit, download our mobile banking app and log in using your online banking credentials. Select the “Deposit” icon located on the bottom of the app and follow instructions. 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.

To enroll in text banking, log in to our mobile app or online banking. Under the “Settings” , select “Text Enrollment” Then enter your mobile phone number in the SMS Text Number box. Read the Terms and Conditions and then select the Agree to Terms and Conditions box.  Finally, click Enroll and you should instantly receive a text from our short code: 226563.
To find an ATM on the mobile app or through online banking, click “More” then select “Connect With Us” and choose “ATM & Branches”. Choose “Location Type” and “Services” then enter your city, state and zip code for the nearest location. You can also 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 sign up with direct deposit, use routing number 074900657 along with your account number. You can also provide your employer with a voided check if accepted.
Please visit your local banking center or call customer service at 1.800.205.3464. You can also order checks by signing in to your online banking account and selecting “Order Checks” under the “Customer Service” tab. Select the correct account number and you will be directed to the Deluxe Checks ordering website.
To order a new First Merchants debit card, visit your local banking center. To reorder a debit card, visit your local banking center or call customer service at 1.800.205.3464.

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.

Simply navigate to the Refer a Friend website page. Use the form on this page to register. After you’re registered, you can invite your friends and family. Once your friend registers for the referral offer using your personal referral link and then opens a First Merchants Bank personal checking account with a deposit of $100 or more AND completes 15 debit card transactions (excluding ATM transactions) within 60 days of account opening, you will each receive a $50 Mastercard® Reward Card. The more friends you refer, the more you can earn – up to $500 per calendar year.
To dispute a charge, visit your local banking center or call customer service at 1.800.205.3464 to file a dispute. However, please note that you may need to follow up at the banking center.
To request a refund, visit your local banking center or call customer service at 1.800.205.3464.