Skip to main content
FMB Logo Header Desktop
Scroll To Top


First Merchants Simple Access Checking

The First Merchants Simple Access account is the perfect bank account for people who want simplicity with no overdrafts.1 You'll spend only the money you have available, while building your banking history.




Account Details

  • No minimum deposit to open.5
  • No paper checks, except those processed through Online Bill Pay.
  • Electronic cash withdrawals only, which can be made at the ATM, through a point of sale purchase, or as a cash advance in the banking center.
  • Qualifications to move to another account type: You may ask to transfer from the Simple Access Account into another First Merchants checking account once your account has been open for 12 months and has a positive balance.
  • $4.00 monthly service fee. Other fees may apply. Not eligible for any special programs.


Open an Account Today.

Need help opening an account online?

Schedule Appointment

Please see terms and conditions of First Merchants Mobile Banking.

[1] We will decline or return transactions when you do not have enough money in your account to cover the charge. However, you could still end up with a negative balance if, for  example, a transaction is approved for one amount, but then the actual charge is larger than the balance you have in your account (like when you add a tip at a restaurant after the transaction for the  meal was already approved). Even if you have a negative balance, we will not charge you an overdraft fee. [2] Certain restrictions may apply. [3] We'll automatically transfer funds to cover your negative balance, in $50 increments on linked deposit accounts. [4] Must have a bank account in the U.S to use Zelle®. Zelle and Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. [5] Make a deposit within 60 days to avoid account closure or maintenance fees.