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Meridian Total Checking®

Our most popular checking account with all the everyday banking essentials. No monthly fee with qualifying direct deposits. Access to 16,000+ ATMs and mobile banking.

$12/mo service fee, or $0 with qualifying electronic deposits of $500+

Account Summary

Monthly fee$12 or $0

Fee waiverDirect deposit $500+/mo

ATM access16,000+ fee-free ATMs

Bonus$300 for new customers

Overdraft assistNo fee if ≤$50 overdrawn

What's included

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

Mobile Banking

Deposit checks, pay bills, send money with Zelle®, and lock your debit card — all from the app.

Chase Overdraft Assist

No overdraft fee if you're overdrawn by $50 or less at end of business day.

Zelle® Payments

Send and receive money fast with people you know and trust, right from the app.

Early Direct Deposit

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

Debit Card Controls

Instantly lock or unlock your debit card if misplaced. Real-time transaction alerts.

Bill Pay

Pay rent, mortgage, credit cards and other bills with Meridian Online Bill Pay.

How to waive the monthly fee

$500+

in qualifying electronic deposits each statement period

$1,500+

minimum daily balance in your checking account

Military

Active servicemembers and veterans with qualifying ID

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

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.

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FDIC

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

Equal Housing Lender

Checking

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High Yield Savings Money Market CDs

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Investing

Self-Directed Managed Portfolios Retirement Education Savings

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