Personal Checking Options

Personal Checking Options
All of our checking accounts have a low minimum opening
deposit of $100 †, plus they all come with these options:
For all stages of life, we have a checking account that is uniquely you. Our
checking products come with great benefits and offer flexibility, security and
many convenient locations. Most importantly, each checking account comes
with unmatched personal service. In addition to all of the benefits offered on
every personal checking account, below is a smart grid to help you determine
which checking account best fits your unique needs.
u
u
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Free Debit Card1
Free Gold Standard Rewards1
Free Online Banking
Free Telephone Banking
u Free Online Bill Pay**
u Free Mobile & Text Banking
u Free Access to All Our ATMS
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1 Certain restrictions may apply.
Monthly Service Fees
eStatements required for no monthly service fee. Paper Statements fee is $3.
First eChecking
First Choice
There is no monthly balance requirement fee with a minimum balance of $2,000 or 10
Debit/ATM Transactions per cycle. For accounts that do not meet the minimum, there is
a $5 balance requirement fee or an $8 balance requirement fee with Paper Statements
and Images.
First Value
There is a monthly maintenance fee of $5.50, $6.50 with Paper Statements, and $8.50
with Paper Statements and Images.
T
INTERES
!
BEARING
There is no monthly balance requirement fee with a minimum balance of $3,000 or a
$20,000 total deposit relationship. For accounts that do not meet the minimum, there is
a $9 balance requirement fee, $10 balance requirement fee for Paper Statements, and
a $12 balance requirement fee for Paper Statements and Images.
First Preferred
First Senior
•For Customers 62
years of age or over
eStatements required for no monthly service fee, $1 for Paper Statements and $3 for
Paper Statements and Images.
First Student
•For Students under
25 years of age
eStatements required for no monthly service fee. Paper Statements $3. At age 25
account will be converted to a First eChecking or similar account.
•For those whose
employer has a benefit
bank agreement with
First Merchants Bank
There is a monthly Direct Deposit requirement of at least $200 to avoid a maintenance
fee of $10 or $13 with Paper Statements. If you meet the monthly Direct Deposit
requirement there is a $3 fee for Paper Statements. Multiple deposits of less than $200
will not qualify to waive the monthly maintenance fee.
First Direct
AL
LT
IN
HE PI ECE
T
INTERES
!
BEARING
S
O N E P L ACE
.
Complete
your
financial
puzzle
First Order Only
PLUS 0.1%
u Debit Cards
u Online and Mobile Banking
u Gold Standard Rewards™
Enjoy the many benefits of our debit cards:
• Easy to use
• More convenient than checks
• Safer than cash
• Rewards!
Learn more at www.firstmerchants.com.
First Merchants Online Banking, Bill
Pay**, Mobile and Text Banking are all
available FREE with every checking
account. Learn more about our
services at www.firstmerchants.com.
Like free stuff? Then you’ll love our Gold
Standard Rewards™ program, where you
automatically earn points redeemable for
great rewards just by using your debit card
for everyday purchases.
Visit www.firstmerchants.com to learn more!
• *Foreign ATM transactions are: inquiries, transfers, and withdrawals at a non First Merchants ATM and do not include surcharges that may be assessed by the ATM’s owner. In addition to all First Direct and First Student accounts, all personal checking accounts opened in the Indiana counties of Porter, LaPorte and Lake; and the
Illinois counties of Will, Kendall, Kane, DuPage and Cook receive the 5 Free Foreign ATM Transactions . All personal checking accounts opened in the Ohio county of Franklin receive 5 free foreign ATM transactions and 5 rebates of the ATM operator’s fee up to $20 per statement cycle and $4 per transaction. ** Bill Pay is available to
customers 18 years of age and over only. ***With automatic payment from a First Merchants checking account. Subject to credit approval. Excludes first mortgage real estate loans and lines of credit. Offer valid for consumer purpose installment loans only. † For First Direct Accounts - No Minimum Opening deposit requirement with
direct deposit. ‡ Two NSF/OD fee occurrences will be waived per rolling 12 month calendar. An NSF/OD occurrence is defined as 1 or more items presented to an account with non-sufficient funds on a business day.
RETCHK-MAT-1015