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Personal Banking Accounts That Multitask. Deposits that Multiply.
Our personal checking accounts give you access to more than just your money. Choose from accounts that offer insurance benefits and the option of setting up automatic savings payments or bill pay. At Merchants, checking is always user-friendly with more ways to use your account to reach your financial goals.
Merchants Personal Checking Account Features
- Free Online Banking & Bill Pay
- Free SouthPoint Mobile (data rates may apply)
- Monthly Statement With Check Images
- E-Statements
- Direct Deposit
- First Merchants Bank Logo Debit Card Free
- Special Image Debit Cards Available for $10.00 Fee
- Unlimited Check Writing and Deposits
Browse Our Personal Checking Accounts
Essential Checking
- $50 Minimum Opening Deposit
- $7 Monthly Service Fee. Avoid Monthly Service Fee By Maintaining $300 Average Monthly Balance
- Avoid Additional $6 Paper Statement Fee with E-Statements
- Unlimited Check Writing
- FREE Debit Card and Anywhere Banking Tools
Value Checking
- $50 Minimum Balance To Open
- $7 Monthly Maintenance Charge
- Avoid Additional $6 Paper Statement Fee with E-Statements
- Unlimited Check Writing
- Anywhere Banking Tools
- Shop Local, Save Local with BaZing Savings
- Cell Phone Protection
- ID Theft Aid
- Roadside Assistance
- $10,000 Travel Accidental Death Coverage*
- Health Savings Card
Premium Checking
- $50 Minimum Balance To Open
- $2500 Daily Balance To Avoid an $9 Monthly Maintenance Charge
- Avoid Additional $6 Paper Statement Fee with E-Statements
- Choose Your Interest Rate Option
- Unlimited Check Writing
- Anywhere Banking Tools
- Shop Local, Save Local with BaZing Savings
- Cell Phone Protection
- ID Theft Aid
- Roadside Assistance
- $10,000 Travel Accidental Death Coverage*
- Health Savings Card
- ATM Fee Refunds with Premium Rewards
*Not FDIC Insured. Not Bank Guaranteed. May Lose Value. Not Insured By Any Federal Government Agency. Not a Bank Deposit.