Personal Checking

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 Merchants 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

Merchants Way Basic 

  • $100 Minimum Balance To Open
  • No Monthly Minimum Balance
  • Enroll in E-Statement and Avoid $3 Monthly Paper Statement Fee
  • Unlimited Check Writing

Merchants Way Value 

  • $100 Minimum Balance To Open
  • No Monthly Minimum Balance
  • $5 Monthly Maintenance Charge
  • Enroll in E-Statement and Avoid $3 Monthly Paper Statement Fee
  • Unlimited Check Writing
  • Free Personal Bank Logo Checks
  • No Fee For Traveler’s Checks or Cashier’s Checks
  • Shop Local, Save Local with BaZing Savings
  • Cell Phone Protection
  • ID Theft Aid
  • Roadside Assistance
  • $10,000 Travel Accidental Death Coverage*
  • Health Savings Card

Merchants Way Premium 

  • $1500 Minimum Balance To Open
  • $1500 Daily Balance To Avoid an $8 Monthly Maintenance Charge
  • Interest Paid on Collected Balances of $1500 or Above
  • Unlimited Check Writing
  • Free Personal Bank Logo Checks
  • No Fee Traveler’s Checks Or Cashier’s Checks
  • Shop Local, Save Local with BaZing Savings
  • Cell Phone Protection
  • ID Theft Aid
  • Roadside Assistance
  • $10,000 Travel Accidental Death Coverage*
  • Health Savings Card

*Not FDIC Insured. Not Bank Guaranteed. May Lose Value. Not Insured By Any Federal Government Agency. Not a Bank Deposit.

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