Free Checking

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

Open an 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 MaxRewards.

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    Designer debit cards

    Get a card that your wallet will be excited to carry around.

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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 $15,000 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

It even comes in 17 different card designs, to blend in with any style.

See your choices

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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 Rate1


1Rate paid will be on amounts up to $15,000. Balances above $15,000 will earn 0.05%.

2APY=Annual Percentage Yield

Rates may change without notice. Rates above are effective as of May 1, 2021. 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. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier. Personal accounts only, no business accounts. One MaxRewards Checking Account per account/unique SSN. Requirements apply and membership required.

Meet MaxRewards criteria?


Minimum Balance to Earn APY


Dividend Rate1




Meet MaxRewards criteria?


Minimum Balance to Earn APY


Dividend Rate1




Free Checking FAQs

Your Free Checking account is closer than you think!

Open an account in person
Find a location near you
Apply online
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