MaxRewards Free Checking
The best things in life are free. Like our Meridian Trust Free Checking Account.
Earn as much as 4.00% APY on your Free Checking Account
Yes, you read that right. Plus, access your money however it’s most convenient for you and get cash from over 30,000 ATM locations nationwide. Oh, and did we mention that your Checking Account is free?
Great features are our standard
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Manage your money on your terms
Use Online or Mobile Banking anywhere, any time.
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Cash when you need it
Access over 30,000 free CO-OP ATMs nationwide.
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An account that pays you back
Earn up to 4.00% APY with rewards.
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Pay bills on time
Late fees begone, with free Online Bill Pay.
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Deposits made easy
Enroll in Direct Deposit for instant access to your paychecks.
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Overdraft protection
If things aren’t quite adding up, we’ll save you the embarrassment of insufficient funds.
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Peace of mind
All debit cards feature EMV chip technology. Plus, we’re always on the lookout for suspicious activity.
MaxRewards
Earning up to 4.00% APY on checking balances up to $25,000 is as easy as 1-2-3-4:
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Keep a $1,000 minimum balance in your checking account.
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Make a minimum of 10 monthly debit card purchases of $5 or more.
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Sign up for eStatements.
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Set up one monthly direct deposit.
Debit Cards
A Meridian Trust Visa Debit Card is like a convenience chameleon.
It looks like a credit card. It functions like a check. It’s accepted anywhere the Visa logo is displayed.
It automatically debits your checking account when you make purchases and lets you withdraw cash at ATMs worldwide.
Member Security
You can trust our EMV Chip technology, included in all Meridian Trust Debit Cards. With this new card standard, enjoy improved security and fraud protection at home and around the world.
We also use Card Member Security to monitor activity on member debit cards and will notify you of any suspicious transactions. When fraudulent card activity is suspected a fraud analyst to verify the transaction will contact you immediately.
Questions about security and fraud? We have answers.
Direct Deposits
With Direct Deposit, depositing paychecks is a breeze. Your money is deposited automatically in your account, so you can get on with your life.
Direct Deposit also goes beyond your paycheck, including:
- Social Security payments
- Retirement pensions
- All electronic deposits (payroll)
Fill out the form below to sign up for direct deposit and bring it into your local branch.
Overdraft Protection
Overdrafts happen. We understand. We help you avoid the embarrassing consequences with Checking Overdraft Protection.
It’s so simple, you’ll love it. If you write a check that your balance can’t cover, we make sure that check doesn’t “bounce.”
This service is available to members with approved credit and works hand in hand with your checking account.
Protect your Checking Account with a line of credit for automatic Overdraft Protection.
Current rates
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Meet MaxRewards criteria? |
Minimum Balance to Earn APY |
Dividend Rate |
APY* |
|---|---|---|---|
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*APY=Annual Percentage Yield. To earn 4.00% APY, must meet just 4 simple criteria as follows: 1) Requires minimum of one direct deposit per month that must post and clear your account during the monthly cycle. 2) Requires 10 monthly debit card purchases, minimum of $5 per purchase, that must post and clear your account during the monthly cycle. 3) Must sign-up for eStatements. 4) Keep a minimum monthly balance of $1,000 in checking account only, not all deposit accounts combined. That’s it! You’ll earn 4.00% APY in every month of the year during which these 4 activities occur. For example, if you meet all 4 criteria in February and March, but not in April, you will earn 4.00% in February and March but not in April. 4.00% rate will be paid on deposits in checking account up to $25,000. Balance amounts over $25,000 will earn 0.00%. Rates are effective as of August 1, 2024 and are subject to change at any time without notice. Credit union membership required. Personal accounts only, no business accounts. One MaxRewards Checking Account per account/unique SSN. MaxRewards Checking accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. |
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Meet MaxRewards criteria? Yes |
Minimum Balance to Earn APY $1,000 |
Dividend Rate 3.93% |
APY* 4.00% |
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Meet MaxRewards criteria? No |
Minimum Balance to Earn APY $1,000 |
Dividend Rate 0.00% |
APY* 0.00% |
Get Support
Call 866.762.0558 or log into your online banking account.
To set or change the PIN on your card, call 866.762.0558.
To report your card as lost or stolen login to your online banking account, call 888-241-2510 inside the U.S. or call 909-941-1398 outside the U.S.
After Hours Decline Line: Call 307.635.7878