Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Regional bank, $10B to $50B

First Merchants Bank

Muncie, IndianaBankChicago Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Emergency Delivery Fee | Early Closing Fee (within$90Above the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=early_closure; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$ 90.00 Emergency Delivery Fee | $ 50.00 Early Closing Fee (within" · Source

minimum balance must also be maintained$25

$19 above the national median

Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=minimum_balance; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$25 minimum balance must also be maintained" · Source

Monthly Maintenance Fee$25

$18.87 above the national median

per month · Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=monthly_maintenance; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="Monthly Maintenance Fee | $25 if none of the requirements are met" · Source

Monthly Maintenance Fee$10

$3.87 above the national median

Monthly Maintenance Fee$4

$2.13 below the national median

Monthly Service Fee$5

$1.13 below the national median

per month · Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=monthly_maintenance; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="Monthly Service Fee | $5 if none of the requirements are met" · Source

per month for eStatement$0

At the national median

per month · Knox read a free fee from Rosetta artifact #3772. canonical_hint=estatement_fee; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$0 per month for eStatement" · Source

per month for paper statement$0

$3 below the national median

per month · Knox read a free fee from Rosetta artifact #3772. canonical_hint=paper_statement; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$0 per month for paper statement" · Source

per month for paper statement$3

At the national median

per month · Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=paper_statement; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$3 per month for paper statement" · Source

Overdraft & NSFVerified

1st Continuous Overdraft Charge4$8Within the typical range ($5–$25 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=continuous_od; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$ 8.00 1st Continuous Overdraft Charge4" · Source
Overdraft 3$37Above the typical range ($20–$30 nationally)
$9 above the national median
Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=overdraft; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$ 37.00 Overdraft 3" · Source
Personal MasterCard® debit card holders at no additional cost. 2No overdraft fees if you’re overdrawn by$50Above the typical range ($20–$30 nationally)
$22 above the national median
per day · Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=overdraft; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="Personal MasterCard® debit card holders at no additional cost. 2No overdraft fees if you’re overdrawn by $50 or less at the end of the business day and no daily" · Source

ATM & CardVerified

Foreign ATM 1$5Above the typical range ($1–$3 nationally)
$3.50 above the national median
Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=atm_non_network; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$ 3.00 Foreign ATM 1 | $ 5.00 Money Order 7" · Source
Foreign ATM 1 | Money Order 7$3Within the typical range ($1–$3 nationally)
$1.50 above the national median
Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=atm_non_network; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$ 3.00 Foreign ATM 1 | $ 5.00 Money Order 7" · Source

Wire TransfersVerified

Incoming Wire$25Above the typical range ($7.75–$15 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=wire_domestic_incoming; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$ 17.00 Incoming Wire | $ 25.00 Foreign Currency Sell" · Source
International Incoming Wire Fee6$10Within the typical range ($10–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=wire_intl_incoming; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$ 20.00 International Incoming Wire Fee6 | $ 10.00 Non-Customer Check" · Source
International Incoming Wire Fee6 | Non-Customer Check$20Within the typical range ($10–$25 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=wire_intl_incoming; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$ 20.00 International Incoming Wire Fee6 | $ 10.00 Non-Customer Check" · Source
International Outgoing Wire Fee6 | Cashing Fee$50Within the typical range ($40–$50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=wire_intl_outgoing; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$ 50.00 International Outgoing Wire Fee6 | Cashing Fee" · Source

Check ServicesVerified

Stop Payment/Returned Items$15Below the typical range ($20–$30 nationally)
$12 below the national median
Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=stop_payment; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="Stop Payment/Returned Items | $ 15.00 Account Closing by Mail9" · Source

Digital & ElectronicVerified

Research Fee | (via Online Bill Pay)$30Above the typical range ($0–$12.50 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=bill_pay; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$ 30.00 Research Fee | (via Online Bill Pay)" · Source

Account ServicesVerified

5 | Tax Levy$100Above the typical range ($25–$75 nationally)
$50 above the national median
Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=garnishment_levy; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="5 | $ 100.00 Tax Levy" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Emergency Delivery Fee \| Early Closing Fee (within	$90Above the typical range ($10–$25 nationally)	$75 above the national median	—	Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=early_closure; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$ 90.00 Emergency Delivery Fee \| $ 50.00 Early Closing Fee (within"	Source
minimum balance must also be maintained	$25Above the typical range ($5–$12.25 nationally)	$19 above the national median	—	Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=minimum_balance; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$25 minimum balance must also be maintained"	Source
Monthly Maintenance Fee	$25Above the typical range ($4–$12.63 nationally)	$18.87 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=monthly_maintenance; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="Monthly Maintenance Fee \| $25 if none of the requirements are met"	Source
Monthly Maintenance Fee	$10Within the typical range ($4–$12.63 nationally)	$3.87 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=monthly_maintenance; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="Monthly Maintenance Fee \| $10 if none of the requirements are met"	Source
Monthly Maintenance Fee	$4Within the typical range ($4–$12.63 nationally)	$2.13 below the national median	per month	Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=monthly_maintenance; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="Monthly Maintenance Fee \| $4 per month"	Source
Monthly Service Fee	$5Within the typical range ($4–$12.63 nationally)	$1.13 below the national median	per month	Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=monthly_maintenance; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="Monthly Service Fee \| $5 if none of the requirements are met"	Source
per month for eStatement	$0Within the typical range ($0–$3 nationally)	At the national median	per month	Knox read a free fee from Rosetta artifact #3772. canonical_hint=estatement_fee; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$0 per month for eStatement"	Source
per month for paper statement	$0Below the typical range ($2–$5 nationally)	$3 below the national median	per month	Knox read a free fee from Rosetta artifact #3772. canonical_hint=paper_statement; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$0 per month for paper statement"	Source
per month for paper statement	$3Within the typical range ($2–$5 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=paper_statement; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$3 per month for paper statement"	Source
Overdraft & NSFVerified
1st Continuous Overdraft Charge4	$8Within the typical range ($5–$25 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=continuous_od; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$ 8.00 1st Continuous Overdraft Charge4"	Source

ATM & CardVerified
Foreign ATM 1	$5Above the typical range ($1–$3 nationally)	$3.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=atm_non_network; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$ 3.00 Foreign ATM 1 \| $ 5.00 Money Order 7"	Source

Wire TransfersVerified
Incoming Wire	$25Above the typical range ($7.75–$15 nationally)	$15 above the national median	—	Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=wire_domestic_incoming; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$ 17.00 Incoming Wire \| $ 25.00 Foreign Currency Sell"	Source

Check ServicesVerified
Stop Payment/Returned Items	$15Below the typical range ($20–$30 nationally)	$12 below the national median	—	Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=stop_payment; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="Stop Payment/Returned Items \| $ 15.00 Account Closing by Mail9"	Source
Digital & ElectronicVerified
Research Fee \| (via Online Bill Pay)	$30Above the typical range ($0–$12.50 nationally)	$25 above the national median	—	Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=bill_pay; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="$ 30.00 Research Fee \| (via Online Bill Pay)"	Source
Account ServicesVerified
5 \| Tax Levy	$100Above the typical range ($25–$75 nationally)	$50 above the national median	—	Knox deterministic extraction from Rosetta artifact #3772. canonical_hint=garnishment_levy; text_hash=d0b10e57328b7d383cb87b1e7897f291c59c4fda0922c2daa1a91fd21aff8ee2; excerpt="5 \| $ 100.00 Tax Levy"	Source

Fee change alerts

Get an email when First Merchants Bank changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at First Merchants Bank? Benchmark it against peers, free

Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$37

Overdraft fee: $37

32% above the national median overdraft fee

Total fees: 21 — leaner than most institutions

Verified fees

Under review

Assets

$21.3B

Work at First Merchants Bank? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. free, delivered in 48 hours.

Get your free report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$21.3B

Total deposits

$16.8B

Service charge income

$9.5M

Fee income ratio

4.8%

Return on assets

0.88%

Branches

135

Service charge income by quarter

Q2 2026$9.5M

Q1 2026$9.1M

Q4 2025$8.8M

Q3 2025$9.0M

Financial profile · Pro

Performance from regulator filings

Foreign ATM 1 | Money Order 7

International Incoming Wire Fee6

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

See pricing