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First Merchants Elite Checking

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



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How to keep it free:

  • Maintain $15,000 minimum combined personal deposit balances. Otherwise, $20 monthly maintenance fee.

Maximize your benefits by pairing this checking account with our Money Market Account. You can open it online at the same time.

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


Check Rates and Open an Account Now.

Need help opening an account online?

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1Monthly maintenance fee waived for statement cycles where you maintain an open First Merchants Elite or First Merchants Advantage account. If you have an open First Merchants Elite or First Merchants Advantage account and receive the $10 monthly maintenance fee on the Money Market account, the fee will be refunded on the next statement cycle.
2Subject to credit approval.
3 With automatic payments from a First Merchants checking account. Subject to credit approval, excludes first mortgage real estate loans and lines of credit, offer valid for consumer purpose installment loans only.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

4Must have a bank account in the U.S. to use Zelle

*Make a deposit within 60 days to avoid account closure or maintenance fees.

Please see terms and conditions of First Merchants Mobile Banking.