Skip to main content
FMB Logo Header Desktop
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Scroll To Top

PROSPER PLUS CHECKING

Prosper Plus Checking

Confidence You're on the Right Financial Path

Prosper Plus Checking is designed for people who want to make the most of their money—today and over time. With a top-rated mobile app, early access to your pay, and built-in overdraft protection, you get the tools, insights, and rewards that help you stay on track and move forward with confidence. 

A Smarter Way to Manage Your Money—All in One App 

Your financial picture, clearly and confidently. Our secure, top-rated mobile app helps you stay informed, organized, and in control: 

  • Open and manage accounts anytime
  • Deposit checks and move money with ease
  • Track spending, build budgets, and monitor habits
  • Check your credit score and monitor progress   

Get Paid Early—and Put Your Money to Work Sooner 

Early Pay helps you stay ahead of your financial plan. With qualifying direct deposits, get paid up to two days early1, automatically and at no cost. Earlier access to your money means more flexibility, better timing, and greater confidence in managing monthly expenses.  

Protection To Help You Stay on Track 

Overdraft Helper adds a safety net without slowing you down. Unexpected expenses don’t have to derail your progress: 

  • No overdraft fee if you’re overdrawn by $50 or less at the end of the business day2
  • No overdraft protection transfer fees3

Built-In Tools That Protect Your Progress  

Prosper Plus Checking includes enhanced protections that help you safeguard what you’re building: 

  • ID Theft Protection4 for added peace of mind
  • Credit monitoring and score access to help spot fraud sooner 
  • Debit card controls to manage your card instantly if it’s lost or stolen
  • Transaction and low balance alerts to keep you informed in real time 

Rewards That Recognize Your Momentum 

Prosper Plus Checking offers added value for customers who are building and maintaining strong financial habits: 

  • Annual HELOC fee waived on new Home Equity Lines of Credit5 
  • Specialty checks included6 
  • Access to 40k+ no fee ATMs nationwide through MoneyPass®
  • Send money to friends and family quickly with Zelle®7

    Clear, Premium Level Pricing

    $0 monthly maintenance fee when you: 
    • Receive one direct deposit of $1,500 or more per month8, OR 
    • Maintain $20,000 in minimum combined personal deposit balances

    Otherwise, a $25 monthly maintenance fee applies.

    Check out the full list of features and fee information.


    Built to Protect Your Money—and Help It Go Further

    Number 2 with a circle around number

    Manage Your Money Confidently with Our Top-Rated Mobile App


    Number 2 with a circle around number

    Avoid Overdraft Fees with Overdraft HelperTM 2


    Number 2 with a circle around number

    Get Paid Up To 2 Days Sooner with Early Pay1


    1Terms and conditions apply. Early Pay is a free service that First Merchants Bank offers at its discretion. We can’t guarantee you’ll always get your paycheck early—it depends on how and when your employer sends us your direct deposit. Not all employers send deposits early or label them in a way that qualifies for Early Pay. If your deposit doesn’t meet the criteria, it will arrive on your regular payday.

    2No overdraft fees if you’re overdrawn by $50 or less at the end of the business day and no daily fee until day 5. Overdraft Helper™ does not require enrollment and comes with most First Merchants Personal Checking accounts. It does not apply if an account is set up for overdraft protection transfers from another account or for Simple Access accounts, which do not permit overdrafts.

    3To help you avoid overdraft fees, we recommend calling or coming into a branch to link another First Merchants account for overdraft protection transfers. If you overdraft, we’ll automatically transfer funds in $50 increments from your linked deposit account—with no transfer fee. Linked account balance must cover the overdraft, and standard account fees may still apply.4Certain restrictions, terms, and conditions apply.

    4Certain restrictions, terms, and conditions apply. Please see www.mastercard.us/zero-liability for more details. Mastercard® benefits are offered through Mastercard® card services. Please call 1-800-MASTERCARD for assistance. Mastercard® Enhanced Benefits are provided by Mastercard® to First Merchants Personal Mastercard® debit card holders at no additional cost.

    5 Subject to credit approval.

    6Specialty Checks included, just pay $10 to cover shipping and handling.

    7Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. To send or receive money with Zelle®, both parties must have an eligible checking or savings account.

    8 Multiple deposits of less than required amount will not qualify to waive the monthly maintenance fee.

     

    close