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FAQS

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How do I dispute a charge on my checking account?
  • To dispute a charge, visit your local banking center or call customer service at 1.800.205.3464 to file a dispute. However, please note that you may need to follow up at the banking center.
How do I sign up for direct deposit?
  • To sign up with direct deposit, use routing number 074900657 along with your account number. You can also provide your employer with a voided check if accepted.
How do I take an advance from my HELOC online?
  • There are multiple ways you can access your Home Equity Line of Credit funds.
    • Credit Line Equity Access Checks or Credit Card – Access your funds via credit line equity access checks or credit card transaction using the Equity Access checks or card associated with your HELOC.
    • Online – Simply log in to your online banking account and easily transfer money from your HELOC directly into your checking or savings account.
    • Telephone Request – Call customer service at 1.800.205.3464 to request a credit advance from your Credit Line be applied to your designated account.
    • Request by Mail – Mail a request to your local banking center.
    • In-Person Request –Visit your local banking center to request a credit advance. 
     
How do I get copies of my monthly bank statement?
  • For a copy of your monthly bank statement, visit your local banking center or call customer service at 1.800.205.3464. You may also access statements in online banking. Under the accounts tab you’ll see tabs for “eDocuments” and “eStatements.”
How do I deposit a check with my phone?
  • To complete a mobile deposit, download our mobile banking app and log in using your online banking credentials. Select the gold plus symbol (“Mobile Deposit”) and 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. 
How do I sign up for text banking?
  • To add text banking, log in to online banking. Under the “Customer Service” tab, select “Manage Mobile Banking Settings and Add Text Banking.” To enroll your mobile device, select your mobile carrier and enter your mobile phone number. View and accept the terms and conditions and click “Enroll.” Select “Continue” to activate text banking. You will then receive a text message for confirmation. Reply with the activation code on screen to complete the enrollment.
How do I find where your ATMs are located?
  • To find an ATM near you, visit firstmerchants.com and click the “Locations” tab in the upper right corner. In the “Location Types” field, select “ATM” and enter your address, city, state or ZIP code. To find an ATM on the mobile app, click “More” then select “ATM Locations.” Enter your city, state or ZIP code for the nearest location.
How do I make a loan payment online?
  • You can use online banking to transfer your payments monthly or set up automatic recurring transfers. Log in to online banking and navigate to the “Pay and Transfers” tab. Under “Loan Payments,” select “Make a Loan Payment.” Add the account you wish to pay from and choose the account that is to receive the funds. Click “Continue” and select if you would like to make a regular payment or one with additional funds to reduce the principal. Finally, select the date the payment is to be made.
How do I order checks for my account?
  • Please visit your local banking center or call customer service at 1.800.205.3464. You can also order checks by signing in to your online banking account and selecting “Order Checks” under the “Customer Service” tab. Select the correct account number and you will be directed to the Deluxe Checks ordering website.
How do I order a new debit card?
  • To order a new First Merchants debit card, visit your local banking center. To reorder a debit card, visit your local banking center or call customer service at 1.800.205.3464.
How do I add my debit card to my mobile wallet?
  • Access your mobile wallet on your phone and select the add card function. Add your First Merchants debit card by entering all necessary card information in the provided fields. Once complete, call the toll-free number provided and follow the security steps outlined. An email will be sent to you to confirm your card has been added.
How do I use the Refer a Friend program?
  • Visit firstmerchants.com and under the “Personal” tab select “Checking.” The “Refer A Friend” tab is located at the top of the left navigation. Use the form on this page to register. After you’re registered, you can invite your friends and family. Once your friend registers for the referral offer using your personal referral link and then opens a First Merchants Bank personal checking account with a deposit of $100 or more AND completes 15 debit card transactions (excluding ATM transactions) within 60 days of account opening, you will each receive a $50 Mastercard® Reward Card. The more friends you refer, the more you can earn – up to $500 per calendar year.
How do I enroll in online banking?
  • Visit firstmerchants.com and select “Enroll Now” under “Sign in to Online Services” at the top left of the page. Select the type of account you wish to add to online banking and agree to the terms. Click “Continue” and enter your account information. If you are having trouble signing up, you can also visit your local banking center or call customer service at 1.800.205.3464.
How do I enroll in eStatements?
  • Log in to online banking and go to the “Accounts” tab. Select “eDocuments and read through the Terms and Conditions located at the lower half of the page. Copy the code listed at the bottom of the terms and enter the code in the “Confirmation Code” box at the top of the page. You will then be registered for eStatements. Open at least one statement to verify all eStatements have been created.
How do I add someone to my account?
  • You can add a signer to your account by bringing him or her with you to one of our banking centers. The new signer will need to provide two forms of ID.
How do I request a refund on my account?
How do I change my name?
  • To request a name change, visit a local banking center for assistance. You will need a marriage certificate, divorce decree or court order AND an updated form of ID.
How do I update my phone or email?
  • Visit your local banking center with a valid ID and speak with a banker, or call customer service at 1.800.205.3464 to update your contact information. You can also update your contact information and other personal details by logging in to your First Merchants online banking account. Choose “Customer Service,” then “Manage Contact Information” and select “Change.”  
How do I change my address?
  • Visit your local banking center with a valid ID and speak with a banker, or call customer service at 1.800.205.3464 to update your address.
How do I enroll in Mobile Banking?
  • Once you are enrolled in First Merchants online banking, you can download the First Merchant app from the App Store/Play Store by searching for "First Merchants Mobile App." Once the app is downloaded, sign in with your online banking username and password. Choose a 4-digit code or face ID for future logins.