Personal banking
One page, every rate and fee. If it is not listed here, we do not charge it.
Side by side, no asterisk hunt
| Feature | Everyday Checking | High-Yield Savings | Rewards Card |
|---|---|---|---|
| Monthly fee | $0 | $0 | $0 annual fee |
| Minimum balance | None | None | n/a |
| Earns | 0.10% APY | 4.60% APY | 2% cash back |
| Overdraft policy | No fee under $25, then $0 with auto-transfer from savings | n/a | n/a |
| ATM access | 55,000+ fee-free | Via linked checking | n/a |
| Foreign transaction fee | 0% | n/a | 0% |
| Opening deposit | $25 | $1 | Credit application |
The account your paycheck deserves
Direct deposit arrives up to two days early. Your debit card locks and unlocks instantly from the app. And if you slip a few dollars negative, we cover it quietly instead of charging you $35 for the privilege.
- Early direct deposit, up to 2 days
- Fee-free overdraft buffer to $25
- Mobile check deposit with instant availability on the first $250
- Joint accounts in one tap — both people see everything
0.10% APY on all balances
- Monthly fee: $0
- Minimum balance: none
- Opening deposit: $25
4.60% APY, compounded daily
- Same rate at every balance
- Up to 6 labeled goal buckets
- Opening deposit: $1
A rate that does not play favorites
Most banks reserve their best rate for balances you do not have. We pay 4.60% APY on your first dollar and your hundred-thousandth alike, and when our rate changes, yours changes the same day — automatically.
- Round-ups sweep spare change from every debit purchase
- Scheduled transfers that pause themselves if checking runs low
- Interest compounded daily, credited monthly
Two percent back. That is the whole pitch.
No rotating categories, no caps, no points that expire while you are not looking. Cash back posts to your High-Yield Savings on the first of every month.
- 2% cash back on every purchase
- 19.24%–26.24% variable APR based on creditworthiness
- Virtual card numbers for online stores
- No annual or foreign transaction fee
Frequently asked
Is Meridian Bank real?
No. Meridian Bank is a fictional demonstration website. The products, rates, and stories here are illustrative. Never enter real personal information or credentials.
How does the 4.60% APY work?
In this demo, the rate is simply a headline number. In a real high-yield account, interest would compound daily and post monthly, with the APY reflecting that compounding over a year.
What does “no overdraft fees under $25” mean?
If a purchase takes your balance no more than $25 negative, we let it through without a fee. Beyond that, purchases are declined unless you link savings for automatic, free overdraft transfers.
Can I open a joint account?
In a real version, yes — both owners get full visibility and either can manage the account. In this demo, everything is a front-end illustration with fictional data.
How do virtual card numbers work?
The app can generate a unique card number per online store, so a breach at one merchant never exposes your real card. Charges still appear on one statement.
Start with $25 and five minutes
Open Everyday Checking in the demo environment and see the dashboard for yourself.
Open the demo