Terms & Conditions

First Merchants Bank - Refer-A-Friend Account Offers:


The person making the referral (Referrer) will earn a $50 Mastercard® Reward Card for each individual referred (Referred Person) to First Merchants Bank who registers for the offer, opens a new account and completes the offer requirements within the time specified in the offer. To make a referral, the Referrer must register for the program and share the offer with their friends, family or coworkers. A Referrer may receive up to $500 in Mastercard Rewards Cards within a calendar year, but only one Referrer may receive a Mastercard Reward Card for each Referred Person who fulfills the requirements. These offers cannot be combined with other offers.

Personal Checking Account Offer:

To earn a $50 Mastercard Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, open a new First Merchants Personal Checking Account and meet the following requirements within 60 days of account opening:


  • Fund their account and complete fifteen (15) debit card transactions (excluding ATM transactions)

Auto Loan Offer:

To earn a $50 Mastercard Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, open and fund a new First Merchants Auto Loan with a minimum balance of $5,000 within 6 months of completing the referral registration.

The Referrer authorizes the sending of communications to each Referred Person. The email may not be recovered if the person has “opted out” of marketing material from ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they “opt out” by making an election at ReferLive or within such email. To "opt out" of all bank marketing communications, please contact First Merchants Bank Customer Service. The Referred Person acknowledges that a Mastercard Reward Card will be issued to the Referrer after all conditions have been met in the time frames provided.

Please allow 4-6 weeks after completion of all requirements for delivery of the Mastercard Reward Card. The Mastercard Reward Cards are subject to Terms and Conditions delivered with the card. The Mastercard Reward Cards may be reported as income to the IRS.

Mastercard is a registered trademark of Mastercard, Inc. Mastercard is not a participant or sponsor of this promotion.

Member FDIC.