Your Mobile Banking questions - answered

General Questions

Our First Merchants Mobile apps are available in the App Store, Google Play, and the Amazon Appstore for compatible devices.

You must have text capabilities to use Text Banking (personal customers only) and web access to access Mobile Web. A text messaging and/or data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information, as your wireless carrier's standard charges for text and data usage apply.

Our First Merchants Mobile apps are available for Apple or Android phones and tablets, and Kindle Fire. If you can text from your phone, you may use it for Text Banking (personal customers only). Any web-enabled phone can access Mobile Web m.firstmerchants.com.

Yes, the mobile banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, password access and application time-out when your mobile device is not in use. Only the mobile devices that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your mobile device. In addition, no account data is ever stored on your mobile device. In the event your mobile device is lost or stolen, you can temporarily disable a device from the Mobile Banking service at any time, or permanently remove it. Just log in to Online Banking and select 'Manage mobile banking settings' under the Customer Service/Administration tab. To learn more about security and what you need to know to protect yourself, click here.

You can make updates to your First Merchants Mobile Banking device information by logging in to Online Banking and selecting 'Manage mobile banking settings' under the Customer Service/Administration tab.

You can temporarily disable a device from the Mobile Banking service at any time, or permanently remove it. Just log in to Online Banking and select 'Manage mobile banking settings' under the Customer Service/Administration tab.

To Enroll another Mobile Device, log in to Online Banking and select 'Manage mobile banking settings' under the Customer Service/Administration tab.

You may also visit m.firstmerchants.com or download our app on your new device and follow the onscreen instructions.

First Merchants Mobile Banking is free, however, you may incur text or data charges from your wireless provider. Standard rates apply, so you should check with your carrier to avoid unexpected charges.

To unenroll a device, just log in to Online Banking and select 'Manage mobile banking settings' under the Customer Service/Administration tab. Personal users who have activated text banking may also text 'S' or 'STOP' to 49794 to deactivate text banking for that device.

Yes. To Enroll another Mobile Device, log in to Online Banking and select 'Manage mobile banking settings' under the Customer Service/Administration tab.

You may also visit m.firstmerchants.com or download our app on your new device and follow the onscreen instructions.

Mobile banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your mobile device capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds, pay bills and find nearest ATM or branch locations. Also, on the downloadable mobile banking application, you have the option to deposit checks.
Text banking gives personal Online Banking users access to accounts via text (SMS) messages on your phone. It's a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode.

At the time of activation a "cookie" is stored on your device which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some devices may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier or device manufacturer for cookie support information. If you would like to reactivate, text R or RECOVER to 49794.

We support most of the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon. If your carrier is not listed when you enroll, select 'Other' and try the Mobile Web option, or check back later, as new carriers will be added over time.

Getting Started

If you're having trouble receiving text messages, check with your wireless carrier or plan administrator to make sure your mobile phone has text functionality enabled. Standard rates apply, so you should check with your carrier to avoid unexpected charges.

No, you must be enrolled in Online Banking or Business Online Banking before you can use Mobile Banking.

Users may enroll for, both, the web/browser-based version of Mobile Banking as well as the downloadable applications, if supported. SMS/Text for Mobile Banking must be enrolled from the Mobile Banking Center using a personal computer. Click on the "Activate Now" link for SMS and follow the instructions presented on the screen.
Your User ID is the same as the User ID you established for Online Banking.
On applications that allow saving the User ID, you may save your User ID by selecting "On" when prompted. For enhanced security, the User ID will then be presented in the future in a masked format, hiding some of the characters. You may also remove the User ID, at a later time, by simply changing the prompt to "Off".
Yes. You must agree to the Terms and Conditions in order to use Mobile Banking.
Your Password is the same as the Password you established for Online Banking.
Contact Customer Service or Business Solutions if you've forgotten your user ID or password.
When you use a non-phone device, such as tablets and MP3 players that are Internet-enabled and a phone number is requested, enter a phone number you can easily remember, such as your home phone or office phone.
Typically you should receive a text message within a few minutes after enrolling, however sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure your phone has a wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. After waiting a few minutes if you still have not received your text message, try sending the activation code. If you still do not receive a text message, contact your wireless carrier to be sure text messaging is enabled on your phone.
Activation codes expire after a specific period of time. If you need a new one, return to the Mobile Banking enrollment site (called the Mobile Banking Center) and request a new activation code.

Text Banking

SMS stands for Short Messaging Service. It is also called text messaging.

During text banking enrollment, personal users will receive up to 3 SMS messages. Thereafter, you will receive a message in response to each SMS request you submit. If you have a large number of accounts, you may receive more than one message in order to report all of your account balances.

The short code for First Merchants Text Banking is 49794. Send all text banking requests to this number. Note: First Merchants may send you messages from other numbers for other services, such as login authentication, People Pay notifications, or alerts.

FUNCTION

COMMAND

DESCRIPTION

Balance

B

Summary of available balances for all accounts

History

H

Summary of recent transactions per account

Command

C

List of available Text Banking commands

Help

HE

Help content for Text Banking

Login

L

Receive a URL for the First Merchants Bank Mobile Browser website

Recover

R

Receive a URL and new activation code for the First Merchants Bank Mobile Browser web site

Stop

S

De-activate all First Merchants Bank text services

 

First Merchants Text Banking is free of charge, however, your wireless provider’s standard text messaging and other rates may still apply.

No. You will only receive messages when you specifically request them with one of the Text Banking commands or if you subscribe to Mobile Alerts.

Mobile Web / Mobile App

First Merchants Mobile apps for personal and business users are available in the App Store for iPhone, iPod touch, and iPad, Google Play for Android devices, and the Amazon Appstore for Kindle Fire. Visit m.firstmerchants.com for links to download the correct version for your device.

Users may download our Mobile App from the App Store, Google Play, or Amazon Appstore. Also, our mobile website, m.firstmerchants.com can be bookmarked on mobile web browsers.

Yes - You can view all of your accounts in Online Banking as long as they have been registered into online banking.

Each time you log in to First Merchants Mobile Banking, the most current balances will be displayed.

Using Mobile Web or our Mobile App, you can pay any existing payee you already established in Online Banking by clicking the payments option from the main menu. All new payees must be added from your Online Banking profile. Text Banking does not currently support bill payment.

Ensure your device's browser has cookies enabled. In addition, enable style sheets for the best viewing experience.
To navigate, access the menu and choose an option.
Yes, First Merchants offers tablet-optimized Mobile apps for iPad, Android tablets, and Kindle Fire, and m.firstmerchants.com is available from your tablet's mobile browser.

Mobile Deposit

Yes, checks over $2,500 are not eligible for mobile deposit. Additionally, there is a $2,500 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 $2,500 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.

Items we receive by 6:00 p.m. ET

Checks deposited prior to 6 p.m. ET on a business day will appear in online or mobile banking the next day. Deposits made after 6 p.m ET will be considered as deposited on the next business day. If your deposit is rejected for any reason, you will be notified by phone. Mobile check deposits are subject to review prior to acceptance.

For instance:

  • Deposits made at 3:00 pm ET on a Tuesday will be displayed in online and mobile banking on Wednesday morning.
  • Deposits made at 7:00 pm ET on a Tuesday will be considered deposited on Wednesday and therefore displayed in online and mobile banking on Thursday morning.
  • Deposits made on Saturday will be visible on Tuesday morning.

 

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

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.

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.

In most cases, if you make your mobile deposit before 6:00pm ET on a business day, 100% of your funds will be available the next day.  For deposits made after the cutoff or on a non-banking day, the item will be considered as deposited on the next business day.

However, all mobile deposits are subject to review and thus longer delays may apply. We will notify you if we delay your ability to withdraw funds and we will tell you when the funds will be available.

 

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.

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

No, you don't need a deposit slip when using Mobile Deposit. You'll enter the deposit amount within the Mobile Deposit app.

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.
Yes. During the deposit process, you will be required to photograph the front and back of your check.
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.
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.
You may photograph multiple checks in the same mobile banking session; however you may only photograph one check per deposit.
You have the option to retake photographs of the check before submitting or you may cancel the deposit. Also, the system will notify you if the image is unclear for processing. If you are unable to photograph a clear image, please take your deposit to a banking center or deposit-accepting ATM for processing.
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.
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.
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.
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.