Checking Account Types

Deciding which checking account is right for you depends on how you will use it. You also have tools to choose from that give you more flexibility to do your banking. You can choose from any of these products…

Apply Today
 

All Accounts Include:

FREE access at any Merchants Bank ATM
FREE access at any Merchants Bank ATM
Combined Statements
Combined Statements
Mobile Banking
Mobile Banking
Debit Card
Debit Card
Free Checking
$25 minimum to open
Designed for the person who prefers a no-hassle checking account.
$0 balance requirement
$2.00 foreign ATM Transaction fee
Unlimited check writing
FREE bill pay for the first 3 months $4.95 per month thereafter
  • More Information
    Free Checking Features:
    • Five free Mobile Deposits per month, $0.50 thereafter
    • Check copies are available through Online Banking
Electronic Checking
$25 minimum to open
Designed for the person on the go who rarely visits the bank.
$0 balance requirement
$0 foreign ATM Transaction fee
5 FREE checks per statement cycle $0.50 per check thereafter
Unlimited bill payments
  • More Information
    Electronic Checking Features:
    • eStatements required
    • Free Mobile Deposit
    Avoid the monthly maintenance fee with electronic statement. Otherwise $10.00.
Interest Checking
$25 minimum to open
Designed for the person who maintains higher balances.
$1,000 balance requirement to waive $10 fee
$2.00 foreign ATM Transaction fee if average monthly balance falls below $2,500
Unlimited check writing
10 Free bill payments per calendar month $0.50 per bill thereafter
  • More Information
    Interest Checking Features:
    • Five free Mobile Deposits per month, $0.50 thereafter if balance falls below $2,500 in a statement cycle

    View Rates
    Avoid the monthly maintenance fee $10 waived if you maintain the $1,000 balance requirement.
49 Plus Checking
$25 minimum to open
Designed for the person who achieved the status of 49+ years of age and receives direct deposit.
$0 balance requirement
3 Free foreign ATM transactions per statement cycle $2.50 charged per transaction thereafter
Unlimited check writing
10 Free bill payments per calendar month $0.50 per bill thereafter
  • More Information
    49 Plus Checking Features:
    • Free order of checks every 12 months
    • Five free Mobile Deposits per month, $0.50 thereafter
    • 1st year rental free on standard safe deposit box or 25% discount on larger box: 25% discount thereafter
    • Overdraft Protection Transfer Fees waived for transfers from a deposit account

    View Rates
    Avoid the monthly maintenance fee $10 waived with monthly direct deposit.
Relationship Checking
$25 minimum to open
Rewards the person who has higher average balances in combined accounts.
$5,000 average balance requirement in checking or combined average balance of $10,000 in total deposits
$0 foreign ATM Transaction fee
Unlimited check writing and one FREE order of basic checks every 12 months
Unlimited bill payments
  • More Information
    Relationship Checking Features:
    • Free order of checks every 12 months
    • Free Mobile Deposits
    • 1st year rental free on standard safe deposit box or 25% discount on larger box: 25% discount thereafter
    • Overdraft Protection Transfer Fees waived for transfers from a deposit account

    View Rates
    Avoid the monthly maintenance fee $25.00 waived with average balance of $5,000 in checking or combined average balance of $10,000 in total deposits (excludes CDs and IRAs) or combined balance of $20,000 in total deposits and loans (excludes CDs, IRAs, and residential mortgages).

Additional Information

  • Check images can be viewed with Online Banking on any account type.
  •  Overdraft protection can be linked to another deposit account or line of credit (credit approval required).
  •  Transactions conducted at non-Merchants Bank ATMs may be subject to fees imposed by the ATM owner.
  •  Click here for a complete list of product features and applicable service charges.
  •  Check with your mobile service provider for message and data rates.

Apply Today