Everyday Checking
A simple account with no overdraft fees and paychecks up to two days early.
Simple banking without the surprise fees
Everyday Checking is designed for the way most people actually bank: your paycheck comes in, bills go out, and you want to see everything clearly in between. There are no overdraft fees, no minimum balance to maintain once the account is open, and an $8 monthly fee that disappears when you receive $500 or more in direct deposits.
If a purchase would take your balance below zero, we’ll simply decline it instead of charging you. You can also link a Meridien savings account so we automatically move money across to cover a shortfall – free of charge.
What you get
Get paid early
Direct deposits can arrive up to two days early.
No overdraft fees
We decline transactions instead of charging fees.
Card lock
Lock and unlock your debit card in one tap.
Smart alerts
Know about low balances and big purchases right away.
Open in three steps
Apply online
Tell us about yourself – it takes about 5 minutes.
Fund your account
Transfer $25 or more from another bank.
Start banking
Use your digital card right away while your physical card ships.
Get a $200 bonus
Open Everyday Checking and receive $1,000 in direct deposits within 90 days.
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Is Everyday Checking right for you?
Great if you…
- Get paid by direct deposit and want the fee waived automatically
- Want a straightforward account with no overdraft fees
- Mostly use the app, card and ATMs for everyday banking
- Want to open with a small deposit
Worth considering
- It doesn’t earn interest – pair it with High-Yield Savings
- Keep $10,000+? Premier Checking adds interest and perks
- Out-of-network ATM refunds are limited to two a month
Fees at a glance
| Service | Fee |
|---|---|
| Monthly service fee | $8 – waived with $500 direct deposit |
| Overdraft / NSF fee | $0 |
| Meridien & network ATMs | $0 |
| Out-of-network ATM | $2.50 (2 refunds/month) |
| Replacement debit card | $0 standard · $15 expedited |
| Domestic wire (outgoing) | $25 |
| Paper statements | $0 |
Illustrative fee schedule. See the account agreement for full details.