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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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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.

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.

Once you are a First Merchants Bank customer, simply download the First Merchant app from the App Store/Play Store by searching for "First Merchants Bank Mobile App." Once the app is downloaded, click on the “Enroll” link and complete the form.

You should sign your check with the following endorsement: For Deposit Only Your Account Number Your Signature

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

No, you do not need to resubmit your deposit. If you entered the wrong amount for the deposit, our operations center will correct the deposit amount.

Items not eligible to be deposited via mobile deposit can be taken to a banking center, mailed to a banking center or mailed to a banking center office.

Yes, once your deposit clears, it will be available in your transaction history. You may also view your Mobile Deposit history in the First Merchants Mobile app.

Items we receive by 9 p.m. ET

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.

Our Customer Service area is happy to help. You can reach them at 1.800.205.3464.

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.

Yes. During the deposit process, you will be required to photograph the front and back of your check.

In most cases, eligible accounts will automatically be signed up for Mobile Deposit. If you have an eligible account that has not been enabled, please call us at 1.800.205.3464 for assistance. Please note that savings accounts are not eligible for use with the Mobile Deposit service.

Occasionally, an eligible item cannot be accepted for mobile deposit due to a lack of image compatibility. This can happen with poor lighting or due to a busy background of the check. If possible, try to deposit again with different lighting conditions. If the item is still not accepted, please utilize other channels to deposit your item.

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

You may photograph multiple checks in the same mobile banking session; however you may only photograph one check per deposit.

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.

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.