Local People, Local Service
Michigan banking is changing.
But that doesn’t mean you have to let someone else choose your next step.
You deserve confidence that your bank is working for your best interest. If you’d like a bank that puts you and your community first, switching to First Merchants is easy—just a few clicks, and we can do the work for you.
Why First Merchants?
First Merchants Bank is staffed by local people providing dependable, knowledgeable service. They know your community because they live there, too.
We offer:
- Digital tools to make switching your accounts to First Merchants simple and easy.
- Early Pay1 —so you can get your paycheck up to two days sooner.
- Built-in overdraft protection with Overdraft Helper2, so you don’t have to worry about fees.
- Personal Finance resources fully integrated into mobile and online banking—so you can grow wherever life takes you.
- A top-rated mobile app, with 4.8 stars with 26,000+ reviews.
What People Are Saying About First Merchants
Built to Protect Your Money—and Help It Go Further
 Manage Your Money Confidently with Our Top-Rated Mobile App |
 Avoid Overdraft Fees with Overdraft HelperTM 2 |
 Get Paid Up To 2 Days Sooner with Early Pay1 |
1Terms and conditions apply. Early Pay is a free service that First Merchants Bank offers at its discretion. We can’t guarantee you’ll always get your paycheck early—it depends on how and when your employer sends us your direct deposit. Not all employers send deposits early or label them in a way that qualifies for Early Pay. If your deposit doesn’t meet the criteria, it will arrive on your regular payday.
2No overdraft fees if you're overdrawn by $50 or less at the end of the business day and no daily fee until day 5. Overdraft Helper™ does not require enrollment and comes with most First Merchants Personal Checking accounts. It does not apply if an account is set up for overdraft protection transfers from another account or for Simple Access accounts, which do not permit overdrafts.
