Your Mobile Banking questions - answered

General Questions

You must have text capabilities to use Text Banking and web access to access Mobile Web. Your wireless carrier's standard charges for text and data usage apply. 
Our Mobile App is available in the App Store and Google Play for compatible devices.

If you can text from your phone, you may use it for Text Banking. Any web-enabled phone can access Mobile Web at (these devices will display the site optimally). Our Mobile App is available for Apple or Android devices.

First Merchants Mobile Banking is an extension of your Online Banking service. So, when you login for the first time you will be presented the same security questions, PassMark image and phrases that you see in Online Banking. Our Mobile App uses SSL encryption to keep your information safe, just like First Merchants Online Banking. 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 enrollment details by logging into Online Banking and selecting the 'Mobile' tab.

You can temporarily disable the Mobile Banking service at any time. Just log in to Online Banking and select ‘Deactivate' from the 'Mobile' tab. You may also visit your local banking center or call Customer Service at 1.800.205.3464.

To change your phone number for Text Banking, log in to Online Banking, then select 'Change Number' from the 'Mobile' tab. For Mobile App users, you must remove the installed app from the old device, then add it to the new one.

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, log in to Online Banking and click on the 'Mobile' tab, then ‘Unenroll’. You may also text ‘STOP’ to 269265 from your activated mobile number.

Only one mobile number may be enrolled in First Merchants Text Banking. However you may access Mobile Web at from any web-enabled mobile device.

Getting Started

Log in to Online Banking, select the 'Mobile' tab and unenroll – then re-enroll. If you still do not receive the text message, check with your wireless carrier or plan administrator to make sure your mobile phone has text funcionality enabled. (First Merchants Mobile Banking requires that text messaging be enabled on your phone. Standard rates apply, so you should check with your carrier to avoid unexpected charges.)

Text Banking

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

When you complete enrollment you will receive two SMS messages confirming your registration. 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 269265. Send all text/SMS mobile banking requests to this number.

No, text commands are not case sensitive. For example, sending ‘help’ or ‘HELP’ or ‘Help’ are all permitted.

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

Make sure you have ‘signatures’ turned off when using text banking. If you continue to experience issues, please call customer service at 1.800.205.3436.

Mobile Web / Mobile App

Once you are enrolled in Mobile Banking, you can use your Mobile ID and PIN to log in to your account from your mobile device's web browser at Apple or Android users can also download the First Merchants app from the App Store or Google Play, which can be used to access accounts, find locations, contact Customer Service and more.

The First Merchants app is available in the App Store for iPhone, iPod touch, and iPad and Google Play for Android devices.

Yes! You may use Mobile Web at, Text Banking, or you can download the First Merchants app from the Apple App Store.

Yes, you may use Mobile Web at or Text Banking.

Yes, you may download our FMB Mobile app from Google Play, or use Mobile Web at or Text Banking.

Users may download our Mobile App from the App Store or Google Play. Also, our mobile website, can be bookmarked on mobile web browsers. Note for iPhone users: creating a shortcut to the mobile site with an iPhone will not work properly. Please either download the app or key in

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.

Log in to Online Banking and select the 'Mobile' tab for options.

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.

Mobile Deposit

Yes, checks over $1,500 are not eligible for mobile deposit. Additionally, there is a $1,500 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 $1,500 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. EST

Checks deposited prior to 6 p.m. EST on a business day will appear in online or mobile banking the next day. Deposits made after 6 p.m EST 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 EST on a Tuesday will be displayed in online and mobile banking on Wednesday morning.
  • Deposits made at 7:00 pm EST 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.

  • Once your deposit is submitted, you will receive confirmation in the First Merchants Mobile app that we have received your deposit for review.  You can then view the ongoing status of your deposit in the Deposit History section of the mobile app.
  • Next, verify your deposit in online banking or mobile banking on the next business day. If you deposited after cut-off, verify your deposit on the second business day after your deposit.  Once you have verified the deposit, write “Deposited” on the front of the item and store securely for seven days.  Following that period, please securely destroy the item.

Occasionally, an eligible item can not 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 EST 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 by phone and give further instructions.

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.