Relationship Checking

The account that rewards you when certain relationship balances are maintained. Being part of the Merchants family has its perks!


A checking account for those who prefer a paperless world. This account prioritizes using your debit card, ATMs, automatic deposits and withdrawals and the convenience of mobile banking to manage your account.

Free Checking

The perfect account for students and anyone looking for a basic account with a debit card without minimum balance requirements.

Military Banking

A special checking account for those who are serving or have served in the military. We are humbled by your willingness to sacrifice and honored to offer this account as a small thank you for your service.

Compare Checking Accounts

Account FeaturesRelationship CheckingeCheckingFree Checking
Minimum Opening Deposit$50$50$50
Debit CardYesYesYes
Monthly Fee$10. No monthly fee with a $1,500 daily balance in this checking account, or if the owners total deposit and loan relationship equals $15,000 or more every day of the month/statement cycle.$10. No monthly fee with minimum of 6 debit card purchases, maximum of 6 paper checks and eStatement enrollment. ATM & automatic deposits/withdrawals not counted.$0
1st-year Free Overdraft Line of Credit*
Identity Theft InsuranceAvailableAvailableAvailable
Check ImagesAvailableAvailable Online$2 per month when returned with statement; available free online
Earns InterestView rates
Free Merchants Signature Style Checks
Safe Deposit Box Discount20% discount annually
50% Discount on Visa® Gift Card Purchase Charge
No Fee on Cashiers Checks
3 Foreign ATM Fees Waived per Month
Online & Mobile Banking
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*Subject to credit approval. $30 Annual Fee. 15.59% Annual Percentage Rate.  

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