The iAB Financial Bank transition into First Merchants Bank is now complete.
Beginning Monday, November 13, you now have access to over 100 First Merchants Bank locations throughout Ohio, Indiana, and Illinois. You will continue to see the same great people who will continue to provide you with the same great service.
Important Information you should know
- Your Checking Account
- Your Savings and Loan Accounts
- Your Debit Card
- Personal Online Banking Login
- Personal Online Banking Login Troubleshooting Guide
- Personal Online Banking and Bill Pay
- Mobile Banking
- Private Wealth (iAB Wealth Management) login
- Business Online Banking Login
- Business Online Banking Login Troubleshooting Guide
- Business Online Banking, Mobile, and Bill Pay
- Remote Deposit Capture (RDC) Transition Guide
- Quicken, QuickBooks and MINT Guides
Treasury Management Services Training Webinar
Click here for more information about the webinar.
Have questions? Need help? Feel free to call us at 1.800.205.3464, Monday - Friday 7:00 a.m. - 8:00 p.m. and Saturday 9:00 a.m. - 3:00 p.m. or visit any First Merchants Bank location.
iAB Financial Bank - Online Banking-Bill Pay
What will happen to the iAB Financial Bank website at iabfinancial.com? Can I still access my accounts there?
The iAB Financial Bank website will be retired on November 10. Once the transition is complete, that web address will redirect you to the First Merchants website at firstmerchants.com. Consider updating any bookmarks on November 13.
Will my Online Banking login process change?
Yes. As part of the transition, iAB Financial Bank online banking will be retired on Friday, November 10. Over the weekend, online banking users should watch their email for a temporary password and additional login information.
Beginning Monday, November 13 all online banking users should sign in using the Sign In to online services box in the upper left corner of the page. Your user ID from iAB Financial Bank Online Banking will be your 'Login ID' on the First Merchants system unless otherwise communicated to you. After the login ID you will go through a verification process and enter the temporary password emailed to you.
When will Online Banking be unavailable?
iAB Financial Bank online banking and mobile banking will become unavailable at 5:30 p.m. on Friday, November 10. Please make sure you save or print any transaction and statement history, including Quicken/Quickbooks information, you would like to access later.
Do I need to re-enroll in Online Banking?
Unless you've been given specific instructions, you will not need to re-enroll in Online Banking.
What information do I need to sign in to Online Banking?
You’ll need your Online Banking Login ID, which is the same as it was for iAB Financial Bank online banking (information is case-sensitive). All users will be receiving new passwords and will need to accept our Online Banking disclosure agreement during their first login.
What if I didn't receive an email with instructions for First Merchants Online Banking?
If you are a personal online banking user and did not receive an email with your temporary password or other instructions by November 13 please call Customer Service at 1.800.205.3464 and they will assist you.
What if I'm having trouble logging in to First Merchants Online Banking for the first time?
Beginning November 13 make sure you're using the Online Banking login instructions emailed to you the weekend of November 10 to sign in for the first time. We've identified a few tips that may help with your login - please try these solutions before calling Customer Service!
- Did you get an email with login instructions? Didn't get your email? First, check your spam folder for an email from First Merchants. If you still can't find it, we might not have had your most up-to-date email address! Give us a call at 1.800.205.3464 and we'll help you get signed in.
- Are you signing in using the correct login box? All Personal iAB Financial Bank users should sign in using the personal online banking drop down box at firstmerchants.com. All iAB Business users should sign in using the business online banking drop down box at firstmerchants.com. If you're trying to use any of our Mobile Banking options, you should know that your temporary credentials will not allow you to access Mobile Banking. You must sign in via firstmerchants.com with your temporary credentials, and choose a permanent password, before using Mobile Banking.
- Are you using the correct ID and the correct case? Your Login ID is the same as the username you used on the iAB system - follow the instructions you received via email (Your ID is case sensitive.) During your first login, you should then be asked to authenticate yourself using a one-time security code. If, during your first login, you do not see the authentication screen and are instead taken directly to a password screen, you've entered your ID incorrectly.
- Are you entering your password correctly? Passwords are case sensitive and must include at least a letter and a number. Check to make sure you've not inadvertently capitalized the first letter of your password or turned on your caps lock function, that any letters are entered in the correct case, and you've followed any onscreen requirements when selecting a permanent password.
- Have you been locked out of the system? If you enter your password incorrectly three times, you will be locked out of the Online Banking system. If this happens, please call Customer Service at 1.800.205.3464 to reset your password.
- Are you having trouble authenticating yourself? For security reasons, you may only select a phone number we have on file to use for authentication. Please call Customer Service at 1.800.205.3464 if a valid phone number is not displayed or is incorrect.
Will I be able to see my account history when I sign in to First Merchants Online Banking for the first time?
No. Account history prior to Friday November 10 will not be available in the First Merchants online banking system. We recommend you save or print any transaction and statement history, including Quicken/ Quickbooks information, you would like to access later.
Will Online Banking external transfers be affected by the transition?
Scheduled and recurring external transfers will not be migrated to the First Merchants online banking. Please re-establish any transfers beginning Monday, November 13.
Will my Online Banking alerts transfer?
No. You should make a list of any alerts that you currently have in place, as you will need to re-enter that information into First Merchants Online Banking.
Will my Bill Pay information transfer to First Merchants?
If you use the iAB Financial Bank's Online Bill Pay, your Bill Pay access will be disabled at 8 a.m. on November 9, until the morning of November 13. All bill payments made through Online Banking will be made as scheduled and your Bill Pay payees and scheduled payments will transfer to the First Merchants system. If your bill pay will not transfer you would receive a separate communication letting you know. Pending and completed payments may not appear in the new system until November 17, but be assured they will be processed as normal. If you have questions while the system is unavailable about which payments are pending, please call us at 1.800.205.3464. If you use ebills, they will need to be re-established in the First Merchants system.
I had Bill Pay at iAB but donít see my payees when I log in to First Merchants and/or it is asking me to re-enroll for bill pay. What should I do?
If you are unable to view Bill Pay or are not able to see your payees, please contact Customer Service at 1.800.205.3464 and they will assist you.
I bank at both iAB Financial Bank and First Merchants Bank; can I just use my existing username and password for Online Banking?
No. You will still receive new login information even if you're already a First Merchants Online Banking user and you will then have 2 accounts. If you would like to merge the 2 accounts, please call Customer Service at 1.800.205.3464.
Is there a fee for Personal Online Banking and Bill Pay?
No. Personal Online Banking, Bill Pay, and Mobile Banking are all free services.
What if I donít have a computer, can I still use Online Banking?
Yes. If you have a smartphone or tablet, you can log into www.firstmerchants.com and enroll in online banking. You will need to follow the prompts to set up your online banking account.
I use Quicken/QuickBooks. What do I need to do to make sure my data continues to load correctly?
To continue using Quicken/QuickBooks, you will need to complete an account deactivation and reactivation process. Documents detailing how to complete this process are available at firstmerchants.com/online_banking/quicken, or call Customer Service at 1.800.205.3464. Please note: There is a chance that transactional data may be duplicated when your new account is set up. Detailed instructions on how to correct any duplicate data can be found in the help guide at firstmerchants.com/online_banking/quicken. Personal online banking users will not have Quickbooks on the personal online banking system.
iAB Financial Bank - Mobile Banking
Will my Mobile Banking change?
Yes. iAB Financial Bank mobile banking will no longer be available beginning at 5:30 p.m. on November 10. At that time, you should remove the iAB Financial Bank mobile banking app from your device. Mobile banking users will need to log in to First Merchants Online Banking and activate Mobile Banking beginning November 13. Once First Merchants Mobile Banking is activated, you can use your mobile phone to check your balance, make transfers, deposit checks, and more! Download our app from the App Store, Google Play or Amazon, or sign in using your phone’s Web browser. Learn more at www.firstmerchants.com/mobilebanking.
How do I re-enroll in Mobile Banking?
It's easy to enroll in First Merchants Mobile Banking! The service is free and available to all Online Banking customers. To sign up, beginning November 13.
- Sign in to First Merchants Online Banking using the login information emailed to you.
- Choose “Get Started” under the Mobile Banking Cente
- Review and accept the legal agreemen
- Enter your mobile information.
- Review and submit your enrollment form.
- Install the First Merchants Mobile app, available for Android phones and tablets, Apple iPhones and iPads, and Kindle Fire from the Amazon App stor
When signing in, you will use the same credentials as you do for Online Banking. You will pick a phone number from your account to receive a security code sent via text during your first mobile login. You will be required to authenticate yourself on each device you use for mobile banking. If you would like to access your accounts via your mobile browser, visit us as m.firstmerchants.com.
Does First Merchants offer Text Banking?
First Merchants offers Text Banking for Personal Online Banking users. Once you've enrolled in Mobile Banking, text banking will be available using the mobile number you provided. Just text 49794 with one of these commands
- B to view balances
- H for recent transactions
- C for a list of available Text Banking commands.
Standard text messaging rates apply, so you should check with your carrier to avoid unexpected charges.
Does First Merchants offer Mobile Deposit?
Yes! Depositing checks is as simple as snapping a picture on your smartphone or tablet! There’s no need to rush to the bank or wait in line. With Mobile Deposit, you can deposit checks from almost anywhere using a smartphone or tablet in just three simple steps:
- Open the First Merchants Mobile app and select “Check Deposit”
- Choose which account will receive the deposit and enter the amount
- Snap a picture of the front and back of your endorsed check. When endorsing, please indicate “For mobile deposit only” and select "Continue" then "Approve."
Where can I find the First Merchants Mobile apps?
Download our apps from the App Store for iPhone, iPod touch and iPad, or on Google Play for Android devices or from the Amazon Appstore on Kindle Fire; find links to download our apps at m.firstmerchants.com. Remember, to use the FMB Mobile app, you must be an Online Banking user and be enrolled in Mobile Banking. To enroll in Mobile Banking, sign in to your Online Banking account and choose “Get Started” under the Mobile Banking Center. Once enrolled, sign in using the same username and password that is used for your Online Banking.
iAB Financial Bank - Telephone Banking
Will the iAB Financial Bank telephone banking change?
Yes, iAB Financial Bank telephone banking will be unavailable beginning at 5:30 p.m. on Friday, November 10, while we move your accounts to the First Merchants system. iAB Financial Bank telephone banking users will be automatically enrolled in First Merchants Telephone Banking. Beginning Monday, November 13, you can access your accounts using First Merchants Telephone Banking at 1.800.473.5055. iAB Financial Bank telephone banking number will be retired, so please update your contact list. You will be prompted to change your PIN during your first call; be sure to follow the audio prompts for first time callers.
Can I transfer funds in Telephone Banking? What else can I do using the system?
Yes! You can make transfers between First Merchants accounts or even make a First Merchants loan payment from a First Merchants checking account. Other options include: check balance, review account activity, make loan inquiry, issue stop payment, and report a lost or stolen ATM or debit card.
iAB Financial Bank - Locations
Can I still do business at my local banking center and use the same ATMs?
Yes. A location change will be taking place over the weekend of November 10 (detailed below), however, you will have additional locations to choose from for all of your banking needs. Please visit firstmerchants.com/locations for the full list of banking centers and ATMs. 1115 Avenue of Autos, Fort Wayne, IN will be relocating to 6751 W. Jefferson Blvd., 436 E. Center St., Bourbon, IN will be relocating to 101 W. Center St., and 1001 Dehner Drive, Ossian, IN will be relocating to 1405 Baker Place, Bluffton, IN.
iAB Financial Bank - Statements
When will I start getting statements from First Merchants Bank?
Your final iAB Financial Bank statement will be mailed the week of November 13, and will include transactions posted and interest paid through November 10.
I get eStatements from iAB Financial Bank. What do I need to know?
Before November 10, be sure to save or print any iAB Bank eStatements you would like to access later. Your iAB Financial Bank eStatements will not be available through First Merchants Online Banking. Personal Online Banking users will need to re-enroll for eStatements.
iAB Financial Bank - Loans, Mortgages, and Lines of Credit
Do I continue to make loan payments on the same schedule and payable to iAB Financial Bank?
Yes. Continue to make loan payments to iAB Financial Bank as you do today.
Should I continue to make loan payments to iAB Financial Bank?
Beginning November 13, you may visit one of our convenient banking center locations to make a loan payment, or send payments to: First Merchants Bank Loan Operations, P.O. Box 7011, Muncie, IN 47308. To make a loan payment electronically, you can use First Merchants Online Banking to transfer money from your First Merchants deposit account.
Will there be any changes to my loan or line of credit?
The terms of your note agreement will not change on the iAB Financial Bank personal or commercial loan until renewal or maturity.
Can I continue to use my old HELOC checks?
No, if you are using HELOC checks currently you will receive new HELOC checks in the mail. Begin using your new HELOC checks November 13.
iAB Financial Bank - Gold Standard Rewards
What is Gold Standard Rewards?
Gold Standard Rewards is our loyalty rewards program for personal debit card holders. It’s free, automatic, and simple to use! Simply choose or request “credit” when using your debit card, and you’ll earn one point for every $3 in qualifying purchases, redeemable for great rewards including merchandise, travel, and more. Every non-PIN-based transaction qualifies, so slide and sign at your favorite stores, set up automatic bill payments, and use your card for online purchases. Visit www.goldstandardrewards.com for more information.
iAB Financial Bank - General Questions
When will signs change at my banking center?
Signage changes will occur in November 2017.
Does First Merchants Bank operate under any other affiliate names?
First Merchants Bank also operates under the trade names of Lafayette Bank & Trust and First Merchants Private Wealth Advisors.
How can I get the most current information about changes that may impact me?
We recommend that you visit the iAB Financial Bank or First Merchants Bank website for the most up-to date information. Additionally, you will receive communications via postal mail and email. And as always, feel free to talk with any banker at iAB Financial Bank.
Are there any help tools on the Internet for the Treasury products?
Yes – there are several Quick Start Guides links on the First Merchants website to help you navigate through the First Merchants Products.
iAB Financial Bank - FDIC Insurance
If I have accounts at First Merchants and iAB Financial Bank that total more than the FDIC insurance limit of $250,000, what should I do?
iAB Financial Bank and First Merchants Bank are now a legally combined institution. If you have deposits at both banks, separate FDIC insurance will apply for six months after the legal date to allow you time to restructure your accounts, if necessary.
If the accounts that exceed the FDIC insurance limit are CDs, but have not yet matured, what should I do?
iAB Financial Bank CDs will be FDIC insured as follows:
- If the CD matures by January 14, 2018 and will be renewed for the same amount and the same term?
- If YES: Then separate coverage is provided only until maturity.
- If the CD matures by January 14, 2018 and will be renewed for a different amount or a different term?
- If YES: Then separate coverage is provided only until January 14, 2018.
- If the CD matures after January 14, 2018?
- If YES: Then, the CD DOES NOT mature within 6 months of the merger, and separate coverage ends upon the maturity of the CD.
Who can I contact if I have questions about my deposit insurance?
If you have questions about your deposit insurance coverage, you may talk with any banker at iAB Financial Bank or call the FDIC directly at 1-877-ASK-FDIC.
Will the availability of funds change on my account?
Yes – starting on November 13, you will be given credit for deposits made to your account on the next business day.
iAB Financial Bank - Direct Deposit
When my account changes to a First Merchants account, will my direct deposit still go into my account?
Yes. Posting of direct deposits will automatically continue as normal. Your bank routing number will change to 074900657, so be sure to use this new number, along with your current account number, when setting up any new direct deposits.
What about automatic payments?
- If you’ve set up automatic deposits or payments to/from your iAB Bank accounts, those payments will continue once your accounts convert to First Merchants.
- If your Debit Card number has been used for automatic payments, you will need to provide your new First Merchants Debit Card number to those companies.
- Automatic payments to third parties set up using your routing and account numbers will continue as normal. If you’d like to set up additional automatic payments, use routing number 074900657 beginning November 13.
How will you post items against my account?
Deposits are credited to your account prior to posting any withdrawal. The next items that we post are ATM withdrawals, debit card transactions, and any checks cashed by our employees or that you have written to us, with the earliest transactions processed first. We then post any items that were submitted electronically, such as ACH items, preauthorized automatic transfers, telephone initiated transfers and any other electronic transfers, with the earliest transactions processed first. Finally, we pay the remaining items based on check number order.
Does First Merchants offer overdraft protection?
Yes. Personal checking customers can review their options in our product information booklet mailed to clients in October, on this website, or by calling 1.800.205.3464 for more information.
iAB Financial Bank - Deposit Accounts
Will my CD account change?
Fixed rate Certificates of Deposit will maintain all rates, terms, and interest payment methods in place since the last renewal period with iAB Financial Bank, with the exception of any rate changes we have already disclosed. Before maturity, you will receive notification of the expiration of the CD term and a deadline for taking action. If you would like to renew or redeem your CD, please visit a banking center.
iAB Financial Bank - Debit Card-ATM Card
Will my debit card still work?
Your current iAB Financial Bank card will work through Sunday, November 12, at which point, your iAB Bank debit cards will be deactivated. Your new First Merchants card is mailing the week of October 23, and activation instructions will be included with your card.
On Monday, November 13, you may activate and begin using your new First Merchants debit card by calling the number printed on the sticker on the front of your card. Make sure you call from a phone number associated with your account. Remember to update any automatic or recurring charges you were paying with your iAB Financial Bank debit card with your new First Merchants card number.
What if I haven't received my new card?
If you have not received your new First Merchants cards by Friday, November 3, please call Customer Service at 1.800.205.3464.
What is the daily limit with my new card?
Personal debit cards will have a limit of $3,005 per 24-hour period for purchases and $1,005 per 24-hour period for cash withdrawals. Business debit cards will have a limit of $3,005 per 24-hour period for purchases and $0 for cash withdrawals; to add cash withdrawal ability, contact us. Health Savings Account cards will have a limit of $3,005 per 24-hour period for point of sale purchases and $0 for cash withdrawals. A 24-hour period is from 12:00 a.m. to 11:59 p.m. ET. If you plan on using your card for a larger purchase, contact us at 1.800.205.3464 to ensure your transaction will be approved.
At which ATMs can I use my new card?
Your new card can be used at any First Merchants Bank ATM or MoneyPass location at no charge. This also includes ATMs with the Lafayette Bank & Trust name. Visit www.firstmerchants.com/locations to find a complete list of locations. Foreign ATM fees will apply to transactions made at non-First Merchants Bank ATMs that are not part of the MoneyPass network.
What if I'm having trouble activating my new card?
Before you begin using your new card, you must call the activation line at 1.866.633.5293 from a phone number associated with your account. Don't forget to keep using your old card thru Sunday, November 12. If your phone number is different from what we have on file or you’re still having trouble for any other reason, we can help; please call Customer Service at 1.800.205.3464.
I didnít receive a PIN in the mail. What should I do?
We did not mail new PINs with your new card. With your new First Merchants card, you are able to select your own PIN during the activation process, using any four-digit number you'd like. Simply call the telephone number on the sticker on your new card to activate and follow the prompts.
What if I destroyed or lost my iAB Financial Bank card before November 13?
Unfortunately, we cannot order a new iAB Bank card. Please use cash or checks until your new First Merchants card is able to be used on November 13.
What if I donít remember my new PIN?
You can get help changing your PIN by calling Customer Service at 1.800.205.3464.
iAB Financial Bank - Contact Us-Customer Service
What if I still have questions?
Call First Merchants Customer Service at 1.800.205.3464, and we’ll be happy to assist you. Customer Service hours are Mon.-Fri. 7:00 a.m.-8:00 p.m., Sat. 9:00 a.m.-3:00 p.m. Eastern Time. To better serve you during the weekend, our Customer Service hours on Saturday, November 11 will be extended from 9:00 a.m. – 5:00 p.m. We also have a special Business Solutions line for business clients, at 1.866.833.0050. Or, you may contact your nearest banking center directly.
What if I can't get through to Customer Service?
If you're experiencing issues getting through to Customer Service, we apologize. We may be experiencing abnormally high call volumes and our representatives are working to help each client as quickly as possible. Thanks for your patience. In the meantime, you may be able to receive faster service by visiting a nearby banking center.
Is my information shared with your affiliates or used for marketing purposes?
Per our privacy statement, you have a choice as to whether your information is shared with and if you want to receive marketing information from First Merchants’ affiliates. Instructions for limiting sharing are listed in the privacy statement and are available online at firstmerchants.com or you may call Customer Service at 1.800.205.3464.
What if I have specific Treasury product related questions?
First Merchants has a specialized group of individuals in our Business Solutions team trained to answer the Treasury related calls. Please contact 1.866.833.0050 if you have specific questions on your Treasury products for ACH, Remote Deposit Capture, Positive Pay or Wires.
iAB Financial Bank - Wealth Management
Where do I go to log in to my Wealth Management account?
To access your Wealth Management account you will now visit www.firstmerchants.com and use the 'Sign In To Online Services' box dropdown menu in the upper left hand side of the page.
Select the iAB Wealth Management option within the drop down menu. From there, you will use the same username and password as you did through the iAB Financial Bank website.
Will my login information change?
No, you will use the same login information you have always used for your Wealth Management account.
Who can I contact with questions about my Wealth Management account?
If you have questions, please contact our Private Wealth Advisors at 1.260.471.0169 or your current advisor.
iAB Financial Bank - Business Online Banking
Will I be able to setup my own users Business Online Banking?
Yes, the online banking system recognizes an admin for each company. That admin sets ups and changes the permissions of each user and can update the information for the user as well.
During the preview period and at the first login, the admin needs to review the users listing and update the contact information and assign permissions or limits per user. You can refer to the Admin Quick Start Guide to get started.
What is OOBA?
OOBA stands for Out of Band Authentication. This is method provides a call back or text message where you will receive a unique ID that is entered into the system to successfully login. This method is the same approach as the token for the additional layer of security but is based on contact information in the system versus an additional device.
What do we do with the tokens that we use with the iAB system?
Tokens from iAB online Banking system can be disposed of in the same manner you would a mouse or keyboard. There is not customer information stored on the device.
Why do I need to update my customer information?
First Merchants online Banking uses out of band authentication, this method utilizes the contact information that we have for the customer in online banking. By acquiring updated contact information, you get the benefit of choosing text or call to login to the system.
Will my Wire and ACH templates come over?
Yes, the templates that are currently in the iAB system should come over into OLB as you have them setup prior to October 20.
iAB Financial Bank - Treasury Management
Is the daily cutoff time changing for Remote Deposit Capture?
The cutoff time will change to 6:30 pm on November 13.
Can I still access the RDC login page via Online Banking?
No. On November 13, you will start using a separate login page for Remote Deposit Capture. The page for First Merchants is https://remotedepositcapture.firstmerchants.com
Will I still see my deposit in my account as soon as I transmit the deposit?
No. You will be able to see the deposit through Online Banking the next business day after nightly processing instead of at transmission. You will have access to two reports that detail each deposit and include images of the checks deposited.
Have the items changed that can be fixed on the deposit?
Yes – only the check amount can be fixed on the deposit. All other adjustments will be corrected at end of day processing.
Will I need to change my password for Remote Deposit?
Yes, the system will prompt you to change your RDC password every 60 days.
Will I need to do anything if I move the scanner to a different workstation?
Yes – an Activation Key is required for any new computers. You will need to contact Business solutions at 1.866.833.0050 for instructions.
Are there any additional steps to process a deposit?
Yes, with the First Merchants System, you will need to “release” your deposit before “transmitting.” If you fail to complete the “release”, then the deposit will not be transmitted.
Will the decision times for Postive Pay stay the same?
No, the new decision times starting on November 13 will be:
Positive Pay ACH – New hours are 8:00 am to 3:00 pm EST. Any item not decisioned will be returned.
Check Positive Pay – New hours are 8:00 am to 1:00 pm EST.
How will I make my positive pay decisions over conversion weekend?
Customer will be emailed their check images over the weekend of integration. They will be emailed in a secure email. Decisions per item are to be emailed back on November 13. After Monday, these decisions will be input in the system.
When will I need to use the new routing number when requesting wires?
You have 30 days to change the routing numbers for wires. If the originating bank puts in the iAB routing number after December 12, the system will automatically stops the wire until the correct routing number is chosen.
Will there be any changes in the Wire procedures?
Yes, Wires are processed in a central group within the bank. These wires will all be completed on the same day requested. All effort will be made to wire the funds by a requested time but is not guaranteed.
Is there any additional level of security for initiating wires?
The security for wires is based on the method of the Wire. Customers utilizing Online Banking will have the additional Out of Band Authentication (OOBA) verification to complete to submit the wire.
Call in Wires – if you call in wires via phone. A call process is used to validate the customer. There will be some questions to identify the customer which will be out of wallet questions to validate the requestor.