First Merchants Bank is a convenient and customer-focused bank. Customers appreciate the easy access off the highway and the quick service at branches. The staff, including representatives like Hailey Moore, are attentive, thorough, and helpful in resolving issues such as fraud activity. Long-time customers note the friendly and nice service they receive, with many having banked there for nearly 30 years without problems. Although the bank charges a fee for out-of-network transactions and the app can have issues, overall, it provides reliable service and positive experiences for its customers.