Meridian Secure Checking℠

A checking account with no overdraft fees. Spend only what you have. No fees on most everyday transactions. Direct deposits up to two business days early.

$4.95/mo service fee, or $0 for ages 17–24

Account Summary

Monthly fee$4.95 or $0
Fee waiverFree for ages 17–24
Overdraft feesNone — ever
Direct depositUp to 2 days early
Debit cardIncluded, free

What's included

Everything you need for everyday banking, built into one account.

No Overdraft Fees

You spend only what you have. No overdraft or insufficient funds fees, ever.

Early Direct Deposit

Get your paycheck up to two business days early with qualifying direct deposit.

Free Everyday Banking

No fees on money orders, cashier's checks, Zelle® transfers, or Meridian ATMs.

Mobile Banking

Deposit checks, pay bills, and manage your account from anywhere.

Zero Liability

Get reimbursed for unauthorized debit card transactions when reported promptly.

Credit Score Access

Check your credit score and get a personalized improvement plan, free.

How to waive the monthly fee

Ages 17–24

$0 monthly service fee for eligible young adults

Linked Account

Link to a qualifying Meridian checking account

$4.95/mo

Otherwise, a simple flat monthly fee applies

FDIC Insured

Up to $250,000 per depositor

Secure Banking

256-bit encryption on every transaction

Zero Liability

Protection against unauthorized charges

Real-Time Alerts

Instant notifications for all activity

Ready to open your account?

It takes just a few minutes to get started. Open online or visit a branch near you.

Common questions

What do I need to open this account?
How do I set up direct deposit?
Can I access my account from my phone?
How do I avoid the monthly service fee?
What happens if I overdraw my account?

Need help choosing?

Call 1-800-MERIDIAN or visit a branch.

FDIC
Meridian Bank deposit products: FDIC-Insured · Backed by the full faith and credit of the U.S. Government
Equal Housing Lender

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