Personal banking

Accounts that don't nickel-and-dime you

No monthly maintenance fee when you have direct deposit. No overdraft fee. No minimum balance to earn the rate we advertise. Open one account or all four — they work together.

Not sure where to start?

Most people open Everyday Checking for bills and High-Yield Savings for everything else. That takes about eight minutes combined.

Open an account Compare rates

Checking

Everyday Checking

Built for direct deposit, automatic bills, and a balance you can actually predict.

$0monthly fee with qualifying direct deposit

Get your paycheck up to 2 days early
No overdraft fee — transactions are declined instead, and you can add a fee-free $50 buffer
55,000+ fee-free ATMs, including every 7-Eleven and Target
Free incoming wires and no fee for cashier's checks
Up to 20 savings "buckets" to split your money by goal

Open checking See the fee schedule

Three checking tiers. Same app, same support line.
Feature	Essential	Everyday	Premium
Monthly fee	$8	$0 with direct deposit	$0
Waiver	$1,500 balance	$500 direct deposit	$25,000 balance
Early direct deposit	—	Up to 2 days	Up to 2 days
Out-of-network ATM fee	$2.50	$0	$0, and we refund others' fees
Free wires	—	Incoming	Incoming & outgoing
Rate on balances	0.05% APY	0.10% APY	0.35% APY
Personal banker	—	—	Named contact

Savings

High-Yield Savings at 4.35% APY

No minimum to open, no minimum to earn the rate, and no monthly fee. Money moves between checking and savings instantly — no waiting for a transfer to clear.

See what you could save

Starting balance $2,000

Monthly deposit $300

Time horizon

Rate

Projected balance

$48,087

Projected balance after 10 years

You deposit Interest earned

Your deposits$38,000

Interest earned$10,087

Illustration only. Assumes the rate stays constant, monthly compounding, and deposits made at the end of each month.

Round-ups

Every card purchase rounds to the next dollar and the difference lands in savings.

Payday rules

Move a set amount to savings the moment your paycheck lands, before you can spend it.

Buckets

Split one savings account into goals — emergency fund, vacation, new roof — each with its own target.

Term savings

Lock in a rate for 6 to 60 months

A fixed rate for a fixed term. Minimum $500, no account fee, and you can take the interest as a payout instead of reinvesting it.

What will it be worth?

Deposit $10,000

Term

Rate

Value at maturity

$10,460

Interest earned$460

Rate applied4.60%

Average per month$38.33

Early withdrawal before maturity costs three months of interest. At maturity you get a 10-day window to move the money before it renews at the then-current rate.

Credit cards

Three cards, no foreign transaction fees on any of them

Cash back if you want simple. Points if you travel. A secured card if you're rebuilding. All three report to the bureaus and come with the same fraud protection.

Meridian Cashback

•••• •••• •••• 4402

Member since2021Expires09/29

Cashback Card

2% back on everything, automatically deposited into your account every month. No categories to track.

$0 annual fee
$200 bonus after $1,000 in purchases
18.24%–27.24% variable APR

Voyage Travel Card

3 points per dollar on travel and dining, 1.5 on everything else. Points transfer to 14 airline and hotel partners.

60,000 point bonus after $4,000 spend
$95 annual fee, waived the first year
Primary rental car coverage included

Best for travel Apply

Meridian Secure

•••• •••• •••• 2106

Deposit$300Expires11/29

Secure Card

Open with a refundable deposit and build credit with the same on-time reporting as our flagship card.

$0 annual fee, deposit from $200
Automatic review for an upgrade in 7 months
26.24% variable APR

Builds credit Apply

Rates and terms shown are illustrative sample data for this design demo. Actual credit card APRs are variable and depend on creditworthiness.

The fine print, in plain English

What we charge for — and what we don't

Everyday Checking fees

$0 monthly maintenance with qualifying direct deposit (otherwise $8, waived with a $1,500 average daily balance).
$0 overdraft fee. We decline the transaction and charge nothing.
$0 for the first 20 ATM transactions per month at out-of-network machines; $2.50 after that.
$0 for incoming wires, cashier's checks, and stop-payment requests placed in the app.
$25 for an outgoing domestic wire, $45 international.
$12 to replace a lost debit card with expedited shipping; standard shipping is free.

Savings and term savings fees

$0 monthly fee and $0 minimum balance on High-Yield Savings.
$0 for transfers between your Meridian accounts, no matter how many.
$500 minimum to open a Term Savings account; $0 account fee.
Early withdrawal from a Term Savings account costs three months of interest.
Withdrawals above six per month from savings are allowed — we don't charge for them, but federal rules may require us to convert the account to checking.

Credit card fees

$0 annual fee on Cashback and Secure cards. Voyage is $95, waived the first year.
$0 foreign transaction fees on every card.
Late payment: up to $40, never more than your minimum payment.
Cash advance: $10 or 3%, whichever is greater, plus interest from the day of the advance.
Returned payment: $29.

How we compare on the fees people actually pay

Fee	Meridian	Industry average
Monthly maintenance	$0	$12.00
Overdraft	$0	$29.80
Out-of-network ATM	$0–$2.50	$4.66
Outgoing domestic wire	$25	$26.00
Card replacement	$0	$10.00

Industry averages are illustrative sample figures for this demo.

Open checking and savings together

One application, two accounts, about eight minutes. You'll get your debit card details instantly and the physical card in 3–5 business days.

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