First Merchants BankChecking accountChecked Oct 10, 2026Updated
First Merchants Prosper Plus Checking
$25monthly fee
- A year for an everyday customer
- −$300 fees and interest, $2,000 kept
- On our list
- #946 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
- $25 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- Any one of these:
- Receive one direct deposit of $1,500 or more per month
- Maintain $20,000 in minimum combined personal deposit balances
- 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
- NoneSource · 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
Features
Automatic savingsBill payBranch accessBudgeting toolsCard lockDebit cardEarly direct depositMobile check depositNo overdraft feesOnline 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