How to Access First Merchants Bank Online Banking
Securing your financial data requires understanding the authentication methods employed by First Merchants Bank. Their system differs from conventional username-password combinations found at other institutions.
⚠ Security Notice
This website provides informational guidance only. Never enter banking credentials on any website except the official First Merchants Bank domain (firstmerchants.com).
Step-by-Step Login Instructions
- Access the Official Portal: Open your browser and navigate to
firstmerchants.com. Locate the login dropdown in the header navigation. - Select Your Account Category: Choose "Personal Online Banking" for individual accounts or "Business Online Banking" for commercial accounts.
- Enter Your Login ID: Input your unique Login ID (note: this institution uses "Login ID" rather than "username").
- Complete SAC Verification: When accessing from an unregistered device, you will receive a Secure Access Code via SMS (short code 63018) or automated phone call.
Understanding Out-of-Band Authentication
First Merchants Bank implements Out-of-Band Authentication (OOBA) as a fraud prevention measure. This security layer ensures that even with compromised credentials, unauthorized access remains blocked without physical access to your registered phone.
You will encounter SAC verification when:
- Logging in from a previously unused computer or browser
- Accessing after clearing browser cookies or cache
- Completing a password reset procedure
- First login following account enrollment
Troubleshooting Login Issues
Account Locked After Failed Attempts
Three consecutive incorrect password entries trigger an automatic security lockout. Contact Customer Service at 1-800-205-3464 to restore access after identity verification.
Login ID Recovery
Unlike passwords, Login IDs cannot be retrieved through online self-service for security reasons. Phone support is required for Login ID recovery after completing security questions.
Secure Access Code Not Received
Verify your phone number is current in your account profile. If recently changed, visit a branch location or call support to update contact information before SAC delivery can function.
Business vs Personal Account Access
Personal and Business accounts may require separate Login IDs. If accounts appear missing, confirm you are using the correct Login ID for that account category.