MaxRewards Free Checking

The best things in life are free. Like our Meridian Trust Free Checking Account.

Open an AccountSchedule an Appointment

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?

MaxRewards Checking

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.


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.


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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.

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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.

Authorization Change Direct Deposit

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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.

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Current rates

Free Checking

Meet MaxRewards criteria?

Minimum Balance to Earn APY

Dividend Rate


*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 0.05%. Rates are effective as of December 1, 2022 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. Any questions? Stop in to your nearest branch or call us at 800.726.5644.

Meet MaxRewards criteria?


Minimum Balance to Earn APY


Dividend Rate




Meet MaxRewards criteria?


Minimum Balance to Earn APY


Dividend Rate




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 800.726.5644

Free Checking FAQs

Your Free Checking account is closer than you think!

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