Everyday Checking
$0monthly fee with $500 direct deposit
- Early direct deposit
- No overdraft fees
- 40,000+ fee-free ATMs
Checking
Checking that works as hard as you do
No overdraft fees, early direct deposit and a $200 bonus when you open a new account.
Why Meridien checking
An everyday account that’s built around your paycheck
Your checking account is where your money lands first and leaves most often, so it should be simple, transparent and quick. Every Meridien checking account comes with a contactless debit card, mobile check deposit, bill pay and real-time alerts – and none of them charge overdraft fees.
Choose Everyday Checking if you want a no-fuss account with a fee you can easily waive, Premier Checking if you keep larger balances and want interest and priority service, or Student Checking if you’re between 17 and 24. You can switch between accounts at any time without changing your account number.
Opening an account online takes about five minutes. Once approved, you can add your digital card to your phone wallet and start spending straight away while your physical card is on its way.
Choose the right account for you
Premier Checking
0.25%APY on balances
- Unlimited ATM fee refunds
- Dedicated Premier team
- Preferred rates on loans
Student Checking
$0monthly fee, ages 17–24
- No minimum balance
- Budgeting tools built in
- Free debit card designs
Compare checking accounts
| Everyday | Premier | Student | |
|---|---|---|---|
| Monthly service fee | $8 (or $0) | $25 (or $0) | $0 |
| How to waive the fee | $500 monthly direct deposit | $10,000 combined balance | Ages 17–24 |
| Minimum to open | $25 | $100 | $0 |
| Earns interest | — | 0.25% APY | — |
| Out-of-network ATM fees refunded | Up to 2/month | Unlimited | Up to 4/month |
| Early direct deposit | ✓ | ✓ | ✓ |
| Overdraft fees | None | None | None |
| View Everyday | View Premier | View Student |
Fees and requirements shown for demonstration only.
Switching is simple
Move your account in 7 business days
Our Switch Service moves your direct deposits and automatic payments for you – and we guarantee it.
- We move your recurring payments
- We close your old account (if you want)
- Get a $200 bonus
What you’ll need to open an account
Have these ready and you can finish your application in one go.
- A government-issued photo IDDriver’s license, state ID or passport.
- Your Social Security numberOr Individual Taxpayer Identification Number (ITIN).
- A US residential addressWe can’t accept P.O. boxes as your home address.
- Your date of birthYou must be 18+ to apply online (17 for Student Checking with a joint owner).
- An opening deposit$25 for Everyday, $100 for Premier, $0 for Student.
- An email and mobile numberWe use these to verify you and send account alerts.
Included with every checking account
Contactless debit card
Tap to pay in stores and add it to Apple Pay, Google Pay or Samsung Pay.
Mobile check deposit
Deposit checks by photo; funds usually available next business day.
About the app ›Real-time alerts
Low balance, large purchase and deposit alerts by push, text or email.
Zero liability protection
You won’t be responsible for unauthorized debit card transactions you report promptly.
How we protect you ›Helpful guides
Switching
How to switch banks without missing a payment
A step-by-step look at moving direct deposits and autopays.
Read more ›SavingChecking vs. savings: where should your money sit?
How to split your money between spending and saving.
Read more ›SecuritySpotting scams before they cost you
The warning signs fraudsters hope you’ll miss.
Read more ›Checking FAQs
Apply online in about 5 minutes. You'll need a government-issued ID, your Social Security number and a US address. Start your application.
Everyday Checking is $8/month, waived with $500 in monthly direct deposits. Student Checking has no monthly fee.
No. If a payment would overdraw your account, we'll decline it instead of charging you.
Yes. Many customers keep one account for bills and another for everyday spending. Each account has its own debit card and account number.
Your physical card usually arrives within 5–7 business days. Your digital card is available in the app as soon as your account is open.
Yes – all checking accounts can be opened jointly. Both owners will need to provide ID and will have full access to the account.
Important information
- Monthly service fee for Everyday Checking is $8, waived in any statement period with $500 or more in qualifying direct deposits. Premier Checking fee of $25 waived with $10,000 in combined balances. Student Checking has no monthly fee for account owners aged 17–24.
- $200 bonus: available to new checking customers who receive $1,000 in qualifying direct deposits within 90 days of account opening. Bonus paid within 30 days of meeting requirements and reported as interest on IRS Form 1099-INT. One bonus per customer.
- Early direct deposit depends on when we receive payment instructions from your payer and may vary from pay period to pay period.
- Premier Checking APY of 0.25% is variable and may change after the account is opened. Fees could reduce earnings.
- All figures shown are illustrative. [Deposit insurance disclosure].
Ready to open your account?
It takes about five minutes and you can start using your account right away.