4 /5 Bruce InCharlotte: First Merchants Bank in Detroit offers a clean, straightforward experience, especially at its downtown ATM near Washington Boulevard. I recently used the machine and appreciated its visibility—while it’s exposed to the street, the surrounding area is open and well-trafficked, with no alcoves, alleys, or hidden corners where someone could lurk unnoticed. The setup feels intentionally designed for safety, relying on clear sightlines rather than enclosure. Though not ideal in bad weather, the location strikes a practical balance between accessibility and security. For quick transactions, it’s a solid option.