First Merchants BankChecking accountChecked Oct 10, 2026Updated
First Merchants First Direct Checking
$10monthly fee
- A year for an everyday customer
- −$120 fees and interest, $2,000 kept
- To open
- No minimum to open
- On our list
- #790 of 986 checking accounts, by a year’s value for an everyday customer
Visit First MerchantsThe bank’s own page · checked Oct 10, 2026
Fees
- Monthly fee
- $10 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- one direct deposit of $200 per monthSource · checked Oct 10, 2026
- Minimum to open
- NoneSource · checked Oct 10, 2026
- Overdraft fee
- $37Source · checked Oct 10, 2026
- Returned item (NSF) fee
- NoneSource · checked Oct 10, 2026
- Overdraft transfer fee
- NoneSource · checked Oct 10, 2026
- Most overdraft fees in a day
- 6Source · checked Oct 10, 2026
- ATM network
- MoneyPassSource · checked Oct 10, 2026
- ATMs in the network
- 40,000Source · checked Oct 10, 2026
- International ATM fee
- $3Source · checked Oct 10, 2026
- Incoming domestic wire
- $17Source · checked Oct 10, 2026
- Outgoing domestic wire
- $30Source · checked Oct 10, 2026
- Incoming international wire
- $20Source · checked Oct 10, 2026
- Outgoing international wire
- $50Source · checked Oct 10, 2026
- Paper statements
- $3 a monthSource · checked Oct 10, 2026
- Inactivity fee
- $5Source · checked Oct 10, 2026
- Early closure fee
- $50Source · checked Oct 10, 2026
- Cashier’s check
- $8Source · checked Oct 10, 2026
- Stop payment
- $37Source · checked Oct 10, 2026
- Card replacement
- $10Source · checked Oct 10, 2026
Who can open it
- Availability
- For those whose employer has a First Direct agreement with First Merchants Bank or for those customers who are a member of the U.S. Military, Police Officer, Firefighter, Paramedic, or works in the Healthcare or Education field.Source · checked Oct 10, 2026
Features
ATM fee rebatesBill payBranch accessBudgeting toolsCard lockDebit cardEarly direct depositMobile check depositOnline openingOverdraft grace periodOverdraft protection transferSavings round upsSpending alertsZelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees