🏦
Everyday Checking
$0 monthly fee w/ e-statements
- 60,000+ free ATMs
- Early direct deposit (up to 2 days)
- Zelle®, Apple Pay®, Google Pay™
High-yield savings · 4.60% APY — limited-time bonus $300
Banking that moves at your speed.
Free checking with no hidden fees, high-yield savings, mortgages with same-day pre-approval, and a 4.9★ mobile app. Join 128,000+ members who switched to Meridian Trust.
128k+customers
$4.2Bassets secured
4.9★42k app reviews
0$monthly fees*
*With e-statements. APY variable, accurate as of Sept 2026. Demo site — not a real bank.
MERIDIAN TRUST◈ DEBIT
5399 •••• •••• 2041
J. ALEX MORGAN09/29
Welcome back, Jordan$24,806.17▲ $1,240 this month
- ☕ Bluebird Café−$6.40
- 💼 Payroll — Meridian Labs+$4,820.00
- 🏠 Mortgage autopay−$1,894.00
Products
One bank for every part of life
No minimums on checking and savings. No overdraft fees. Switch in minutes with automatic direct-deposit transfer.
Most popular · 4.60% APY
📈
High-Yield Savings
4.60% APY · $0 minimum
- 10× national average
- Vaults for goals & auto-save rules
- Instant transfers to checking
💳
Meridian Rewards Card
2% cash back, no annual fee
- 3% on dining & groceries yr 1
- 0% intro APR 12 months
- Instant virtual card
🏠
Home Loans
6.12% APR 30-yr fixed
- Same-day pre-approval
- 3% down first-time buyer
- Rate lock 90 days free
🚗
Auto Loans
5.49% APR · new vehicles
- Decision in under 3 minutes
- 0.25% autopay discount
- 120-day first-payment deferral
🏢
Business Banking
1.80% APY business savings
- Free invoicing & payroll
- Same-day ACH
- Dedicated advisor
Rates & fees
Transparent rates, updated daily
Updated Sept 9, 2026
| Account | APY / APR | Minimum | Highlights | |
|---|---|---|---|---|
| High-Yield Savings | 4.60% APY | $0 | No fees, vaults included | Open |
| Everyday Checking | 0.50% APY | $0 | $0 overdraft fees | Open |
| 12-Mo CD | 5.10% APY | $500 | Bump-up once | Open |
| 18-Mo CD | 4.95% APY | $500 | Add-on deposits allowed | Open |
| Money Market | 3.80% APY | $2,500 | Check-writing | Open |
| 30-Yr Fixed Mortgage | 6.12% APR | 3% down | Same-day pre-approval | Estimate |
| 15-Yr Fixed Mortgage | 5.48% APR | 5% down | No PMI options | Estimate |
| Auto Loan (New) | 5.49% APR | $5,000 | 0.25% autopay off | Estimate |
| Personal Loan | 8.99% APR | $1,000 | No origination fee | Estimate |
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates variable and subject to change. Demo data for illustration.
Calculators
Plan with real numbers
Projected balance
$51,784
You’ll earn $11,784 in interest.
Interactive demo
Try online banking — no signup
Accounts
Everyday Checking••••2041
$8,412.55High-Yield Savings••••8872 · 4.60% APY
$16,393.62Move money
Recent activity
Mobile app
Bank from your couch, or a beach
- Freeze / unfreeze cards instantly, set travel notices & spending limits.
- Smart alerts for large purchases, low balance, and suspicious activity.
- Check deposit in seconds — funds as fast as same business day.
- Credit score free, updated weekly, no impact to check.
App Store · 4.9★▶ Google Play · 4.8★
Reviews
Loved by savers & owners
“Switched in 10 minutes. Early direct deposit hits Wednesday instead of Friday — game changer.”
“Pre-approved for our first home the same afternoon. Our advisor even flagged a cheaper rate lock.”
“Business invoicing + same-day ACH replaced two paid tools. Support actually picks up.”
Locations
Find a branch or ATM
Is my money FDIC insured?
Yes — in this demo we state deposits would be FDIC insured up to $250,000 per depositor, per ownership category, as with any real US member bank.
Are there really no overdraft fees?
Everyday Checking has no overdraft fees. Transactions that would overdraw are simply declined (or covered by free overdraft transfer from savings if you enable it).
How long does it take to open an account?
About 5 minutes online with a photo ID. Most accounts are approved instantly; funding via debit card or ACH is free.
Can I freeze my card if I lose it?
Yes — one tap in the app or online banking. Unfreeze the same way. A replacement virtual card is issued instantly.
Is this a real bank website?
No — this is a front-end demo built for illustration. Do not enter real personal or banking credentials.
Get started
Open your account
- You
- Account
- Review
Contact
Talk to a human
1-800-555-0199 · 24/7
hello@meridiantrust.demo
400 Harbor Ave, Suite 1200, New York, NY 10001
Lost card? Freeze it in the app first, then call us — we’ll ship a new one overnight free.