Find the right checking account for your needs. Compare features, fees, and benefits side by side.
Feature
Total Checking®
Secure Checking
Premier Checking
Student Checking
Monthly fee
$12 or $0
$4.95 or $0
$25 or $0
$0
Fee waiver
$500+ direct deposit
Ages 17–24
$15K+ balance
Ages 17–24
Overdraft fees
Assist (≤$50 free)
None — ever
Assist (≤$50 free)
Assist (≤$50 free)
Early direct deposit
Up to 2 days
Up to 2 days
Up to 2 days
Up to 2 days
ATM access
16,000+ free
Meridian ATMs free
All ATMs worldwide
16,000+ free
Foreign exchange fees
Standard fees apply
Standard fees apply
No fees
Standard fees apply
Free checks
—
—
✓
—
Mobile banking
✓
✓
✓
✓
Zelle®
✓
✓
✓
✓
Bill Pay
✓
Free
✓
✓
Interest bearing
—
—
✓
—
Best for
Everyday banking
No overdraft fees
Premium benefits
Students 17–24
Common questions
What do I need to open a checking account?
You'll need a valid government-issued ID, your Social Security number, and an initial deposit (amount varies by account type). You can open most accounts online in minutes.
Can I switch my checking account type later?
Yes. You can upgrade or change your checking account type at any time by visiting a branch or calling us. Your account number stays the same.
How do I set up direct deposit?
Share your Meridian routing number and account number with your employer's payroll department. You can find both in the mobile app or online banking.
Is there a minimum balance to open an account?
Most checking accounts can be opened with any amount. There is no minimum balance requirement to keep your account open.