Spend
Find the checking account that fits your money management needs and financial goals. Explore our checking options.
Relationship Checking
The account that rewards you when certain relationship balances are maintained. Being part of the Merchants family has its perks!
eChecking
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 Features | Relationship Checking | eChecking | Free Checking |
|---|---|---|---|
| Minimum Opening Deposit | $50 | $50 | $50 |
| Debit Card | Yes | Yes | Yes |
| 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 Insurance | Available | Available | Available |
| Check Images | Available | Available Online | $2 per month when returned with statement; available free online |
| Earns Interest | View rates | ||
| Free Merchants Signature Style Checks | |||
| Safe Deposit Box Discount | 20% 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 | |||
| Learn MoreApply Now | Learn MoreApply Now | Learn MoreApply Now |
*Subject to credit approval. $30 Annual Fee. 15.59% Annual Percentage Rate.
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