Compare the current bank fees for First Merchants Bank in Indiana.  Find information on the current bank fees found for the most widely used bank services and bank accounts at First Merchants Bank.  The bank fee data is presented to help consumers make the most of their banking dollars by receiving the right services and products at the lowest costs.

First Merchants Bank ATM Fees:

First Merchants Bank has no ATM fee for balance inquiries, withdrawals, and fund transfers at any First Merchants Bank ATM.

The foreign ATM fee charged for withdrawals at non-First Merchants Bank ATMs is $2.00.

First Merchants Bank Overdraft Fees and Insufficient Funds Fees:

The First Merchants Bank overdraft or non-sufficient funds (NSF) fee is $35.00.  The fee is charged for non-sufficient funds on checks that are paid or those that are returned. 

The continuous or extended overdraft fee is $8.00.  This fee is assessed on the 4th calendar day the account is overdrawn and continues until a positive balance is achieved or the account is closed.

Deposited items returned unpaid fee is $10.00. 

Overdraft transfer fee via another account is $10.00.
A telephone transfer has a fee of $6.00.

Account transfers completed online or via telephone banking is free.

First Merchants Bank Wire Transfer Fees:

Domestic incoming wire transfer fee at First Merchants Bank is $15.00.
Domestic outgoing wire transfer fee is $25.00.
International wire transfer fee is $45.00.

Additional Common Bank Fees and Charges at First Merchants Bank:

Stop payment fee is $35.00. 
Official check fee is $8.00 for customers and $15.00 for non-customers.
Money order fee is $4.00 for customers and $6.00 for non-customers.
Check copies are $2.00.
Duplicate statement fee is $10.00.
Legal processing for account levy is $100.00 per occurrence.
Legal processing for garnishment is $20.00 per occurrence.
Early account closing fee is $50.00.  This fee is assessed on accounts that are closed within 180 days of opening.
Dormant account fee is $5.00 per month.  The dormant account fee is charged each month if, for 1 year previous for checking or 3 years previous for savings, there is no customer initiated activity or other indication in writing from the account holder of an interest in the account.

First Merchants Corporation is the largest financial services holding company located in Central Indiana.  The bank provides a broad range of financial services including personal banking, business banking, mortgage lending, cash management services, wealth management and insurance.

The information regarding First Merchants Bank and First Merchants Bank fees is intended to be accurate, but the information is not guaranteed.  This information should be verified prior to opening an account.  Additional information can be obtained by calling a First Merchants Bank customer service representative at 800-205-3464, visiting the bank web site at, or reviewing the bank’s Service Fee Schedule for more details.

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