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Mobile Deposit

Check Another Thing off Your List.

Thanks to the Mobile Deposit feature of the First Merchants Mobile app, depositing checks is now as simple as snapping a picture on your smartphone or tablet device. Now, there’s no need to rush to the bank or wait in line. Thanks to Mobile Deposit, you can securely deposit your checks wherever and whenever you want. Best of all, Mobile Deposit is available for download as part of the First Merchants Mobile app.

Simply Snap and Send!

With Mobile Deposit, you can deposit checks from almost anywhere for Apple or Android devices in just a few simple steps.

All you have to do is download our Mobile Banking App and log in using your online banking credentials. Select Mobile Deposit and choose which account will receive the funds. Simply endorse the check, take a photo and send it. Just follow the instructions in the app, or watch our How to Make a Mobile Deposit video.

Manage Your Money Anytime, Anywhere.

Wherever the day takes you, bring your bank along for the ride with the First Merchants Mobile app. Use your smartphone or tablet to deposit checks, check balances, pay bills, transfer funds, locate banking centers/ATMs and much more.

Download Today!

The First Merchants Mobile app for smartphones and tablets is available for download now at the App Store, Google Play or Amazon Appstore.

For phones and tablets:

Button to click to go to the Apple App Store Button to click for Android App on Google play

To use the First Merchants Mobile app, you must be an Online Banking user of First Merchants Bank. Android and Google Play are trademarks of Google Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Amazon is a trademark of, Inc. or its affiliates.

Find out more about enrollment requirements, what types of checks are accepted, deposit limits, and more by reading our  FAQs.

Mobile Banking Terms and Conditions

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Yes, checks over $3,000 are not eligible for mobile deposit. Additionally, there is a $3,000 daily submission aggregate limit to the mobile deposit service. If you have items to deposit that exceed the daily limit, please deposit the following business day. Any items deposited that exceed a daily submission limit of $3,000 will be rejected.

In order to use First Merchants Mobile Deposit, you must have enrolled in online banking and mobile banking.  Mobile Deposit is available to all consumers in addition to business users who are administrators in online banking.

You will receive a notification by e-mail when your deposit has been received.

No, keep the check until it posts to your statement. Afterwards, you may securely destroy the check after 7 days. Do not VOID the check after submittal in the event the deposit is not approved and needs to be re-submitted.

No, there is no additional fee for utilizing mobile deposit.

If the same deposit is submitted twice, it will be identified and stopped by our process. Should this occur, you will receive a declined deposit notification for the second deposit received through the Mobile Deposit service.

If your deposit is rejected, we'll notify you via email.

If the item exceeds your daily Mobile Deposit limit, you may be able to deposit it later using the First Merchants Mobile app. If the item is valid but doesn't meet the Mobile Deposit requirements, you'll need to either visit a banking center or mail the item with a deposit slip to a banking center.

When your deposit is processed, you will receive a second e-mail notification on the status of your deposit. This e-mail will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided.

Personal or business checks made payable to you are eligible for mobile deposit with the following exceptions:

  • Canadian and other foreign items
  • Substitute checks
  • Savings bonds
  • Draft items
  • Items dated more than 6 months prior to the date of deposit
  • Items payable to any person or entity other than yourself
  • Items made payable to more than one person or entity
  • Items containing an alteration to the front or back of the check
  • Items you know or suspect are fraudulent
  • Remotely created checks as defined in Reg CC
  • Items requiring any restrictive endorsement
  • Previously deposited items
To help you stay safe at home, we’ve raised mobile check deposit limits for many clients. You can deposit checks – including your paycheck or government stimulus check – quickly and securely using the First Merchants Mobile Banking App. Watch this 90 second video to learn how to deposit a check using your mobile phone.