Customer Service FAQs
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- I opted out of Overdraft Support, why did I get an overdraft charge?
- Overdraft Support only applies to one-time debit card or ATM transactions. Transactions such as checks, ACH debits, or pre-authorized recurring debit transactions that post and result in a negative balance may still be subject to overdraft fees.
- How can I set up Overdraft Protection on my checking account?
- You may open up a credit card and/or savings account have them tied to your checking for Overdraft Protection. If an overdraft occurs, funds will be automatically transferred.
- How long before deposited checks are available?
- In general, $200.00 is available to items posting the same business day. The remaining balance of the deposit is available the next business day. However, additional holds may be placed depending on the details of the deposit. We recommend inquiring on the availability at the time you make your deposit.
- What is FirstMerit’s routing number?
- The routing number for all FirstMerit accounts is 041200555. Controlled Disbursement accounts use a different routing number. Please contact Treasury Management at 800-644-6962.
- What is the difference between my current balance and my available balance?
- Your current balance only includes transactions that have completely posted to your account. As such, your current balance is your balance as of the last date we closed business. Your available balance includes any transactions that are pending or currently in process. The available balance should be used when making decisions regarding your balance.
- Why am I getting charged for checks?
- Beginning January 1st, 2012 standard Reality Checking accounts are no longer eligible for free checks. Information regarding this change was included in the May 2011 statement insert “Important Changes to Your Account(s).” Customers enrolled in paperless statements received an Internet Banking message prompting them to view these disclosures online. We would suggest contacting your local branch to discuss your eligibility for other products that may provide free checks such as our Reality Gold or Reality Platinum accounts. You may also call us at (888) 554-4362.
- How do I order checks?
- You may order checks through Online Banking, at a FirstMerit branch location, or by calling 888-554-4362.
- How can I obtain copies of posted checks?
- If you are enrolled in Internet Banking you may print a copy of any check posted in the last 18 months. If you are not enrolled in Internet Banking or need a copy of a check that posted more than 18 months ago, you can visit your local branch or call 888-554-4362 to request we mail a copy of the item to you. A fee of $5.00 per item may apply and checks older than 7 years are not available.
- What is a check image fee?
- Beginning July 1st, 2011 a $3.00 fee applies to all customers who receive images of their paid checks with their statements. Information regarding this change was included in the May 2011 statement insert “Important Changes to Your Account(s).” Customers enrolled in paperless statements received a message prompting them to view these disclosures online.
- Does FirstMerit Bank offer any grace period regarding overdrafts?
- In the event that debit items are presented to an account and it causes overdraft, customers have until the end of that business day to make a cash deposit with a teller at any FirstMerit Branch to avoid overdraft fees. If an account ends a business day overdrawn fees will be charged on the next business day.
- How did I receive an overdraft fee the same day as a deposit?
- If your account ends a business day with a negative balance, it may be subject to Overdraft or NSF fees for items that posted for payment on that day. Any corresponding fees will not appear on the account on the same date that the account became overdrawn. Instead, fees will appear on the account after end-of-day processing for the following business day. For example, if your account ends overdrawn on Monday, no fee will appear Monday or Tuesday; the fee will appear Wednesday morning with Tuesday's business date.
- Can I transfer money from an account I am on to another FirstMerit account that I am not on over the phone?
- Telephone transfers can only be made between two FirstMerit accounts on which you are an owner. Wire transfers to other institutions or accounts held by other individuals would need to be made through a FirstMerit branch. We apologize for any inconvenience.
- How can I transfer funds between my FirstMerit accounts?
- If you have access to Online Banking you can transfer between any enabled accounts on which you are listed as an owner. You can also transfer funds between your FirstMerit checking, savings and money market accounts with a relationship banker by calling 888-554-4362.
- How can I have overdraft protection linked to my checking account?
- FirstMerit Bank offers overdraft protection through FirstMerit credit cards and through FirstMerit savings accounts. You may call 1-800-41MERIT (1-800-416-3748) or visit your local FirstMerit branch to apply for overdraft protection through a new savings account or credit card. You may also visit your local FirstMerit branch to request overdraft protection through an existing savings account or credit card.
- How long does a stop payment on a check last?
- A stop payment on a check will remain in effect 6 months from the day it is placed, after 6 months the stop payment is released.
- Can I remove a stop payment after I have requested it?
- You can request to remove a stop payment on a check at any time. However, the $33.00 stop payment fee can only be avoided if the stop payment is removed on the same business day it is placed.
- Is there a fee for closing my personal checking or savings account?
- There is a $25.00 fee for closing your personal checking or savings account within 90 days of opening it (this fee applies to Reality Gold, Reality Platinum and Health Savings, Statement Savings, Reality Savings and Reality Gold Savings, Savings Club, High Yield Money Market accounts). There is $25.00 fee for closing your personal Reality Checking or Work Place Banking account within 1 year.
- Is there a fee for using non-FirstMerit ATMs?
- A $2.00 non-FirstMerit ATM fee applies for each transaction through a non-FirstMerit ATM. This fee is charged each time you use a non-FirstMerit ATM. The non-FirstMerit ATM fees accumulate and are applied to your account once a month on the day your account statement is processed. For example, if you used non-FirstMerit ATMs three times throughout the month then you will receive a $6.00 fee on your statement date.
- What does it mean if my savings account is inactive?
- A savings account will change to an inactive status after 6 months without customer-generated activity. To remove the inactive status from a savings account the account holder may visit a branch, supply adequate verification, and conduct a transaction on the savings account. In addition, you may call 888-554-4362 and one of our relationship bankers would be happy to verify your identity with a series of questions and perform a transfer for you to bring the account back to an active status.
- Do I have to report the interest earned on my savings account for my taxes?
- If you earned at least $10.00 of interest within the year FirstMerit will report these earnings to the IRS and mail you a 1099 form to use when filing your taxes. If you earned less than $10.00 of interest within the year FirstMerit will not mail you a 1099 form.
- Where do I find FirstMerit's current interest rates on CDs?
- FirstMerit's current interest rates on CDs can be found at https://www.firstmerit.com/personal/banking/credit-card-accounts/index.html click the “Learn More” link, select the "Rates Tab" and enter your zip code.
- What should I do if I have a CD that is close to maturing?
- Once a CD matures you have a grace period of 10 calendar days after the maturity date to decide what to do with the CD. We recommend that you visit your local branch to discuss any current promotional rates. If no action is taken to renew or close the CD by the end of the 10- day grace period the CD will automatically renew at the going rate for a CD of the same term. For example, a 3 year CD will automatically renew for another 3 year term.
- How does the overdraft protection work?
- If your checking account ends the business day with a negative balance, overdraft protection automatically transfers money from the linked credit card or savings account into the checking account.
When overdraft protection takes place through a credit card, overdraft protection will determine the amount needed to prevent overdraft in $25 increments with a minimum transfer of $75. For example, an account overdrawn by $30 would receive a transfer of $75, an account overdrawn by $174 would receive a transfer of $175, and an account overdrawn by $238 would receive a transfer of $250. If the full amount required to prevent overdraft is not available, no transfer will take place.
These transfers will be reported as “DDA OVERDRAFT CASH ADV” taking place in “AKRON, OH”. The transfer of funds is considered a cash advance from the credit card and the transferred amount will be subject to the cash advance interest rate. A transfer fee of 5% with a minimum of $10 and maximum of $50 will also be be applied to the credit card balance.
Overdraft protection through savings will transfer the exact amount required to prevent the account from ending the business day overdrawn provided this full amount is available. If the savings account does not have sufficient funds to prevent overdraft, no transfer will take place. A fee of $9 applies to each overdraft protection transfer that takes place through a savings account. These fees accumulate throughout the month and are applied to the checking account at the end of the statement cycle. For example, if three overdraft protection transfers took place during the month, a fee of $27 will appear on your statement. In addition, the savings account transaction limits do apply to overdraft protection transfers.
- Can I use an account other than a credit card for overdraft protection?
- You can link a savings account to a checking account for the purpose of overdraft protection. Once the savings account is linked for overdraft protection an automatic transfer into the checking account will occur if the checking account posts negatively for that business day. The savings account most be able to cover the entire amount that the checking account is overdrawn for a transfer to occur. The checking account will charged a $9.00 transfer fee per transfer (max of 1 per business day)