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On Monday, January 21, all Meriwest Financial Centers will be closed in honor of Martin Luther King Jr. Day. (Federally Observed Holiday)

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Criteria Your Choice Checking Smart REWARDS Checking M-Account FLOW Account
Recommended For: Recommended for anyone who wants a checking account with no monthly fees and no cost features.
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Recommended for active debit card users who want to earn REWARDS such as high dividends, unlimited ATM use and other benefits.
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Recommended for anyone who doesn't write checks, prefers using their debit card for transactions, uses online and mobile banking, and enjoys the benefits of an electronic checking account.
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Recommended for teens and young adults (13-24) starting on the road to financial independence.
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Minimum Opening Balance $201 $201 $201 $201
Monthly Service Fee N/A N/A No fee if enrolled in e-statement
$3 if not enrolled in e-statement
N/A
Dividends Earned N/A 1.50% APY 8 (Up to $15,000)
0.10% APY 8 (Above 15,000)
(Must meet REWARD2 requirement to earn higher dividend)

APY 8 otherwise is 0.01% ($100 minimum balance to earn dividend)
N/A N/A
Check Writing Up to 29 free checks cleared per month 7 Unlimited Free N/A5 N/A
MasterCard® Debit/ATM Card Free Free Free Free

Debit Card Design Options

SJ Sharks

SJ Sharks

SJ Sharks

N/A
Meriwest ATM Use Free Free Free Free
Point-of-Sale (POS) Free/Unlimited Free/Unlimited Free/Unlimited Free/Unlimited
Non-Meriwest ATM Transactions 3 free/month4 (requires Direct Deposit or $750 average daily balance)3 Free (Must meet all REWARD2 requirements) Free 3 free/month4
ATM Surcharge Rebate N/A4 Unlimited (Must meet all REWARD2 requirements) Unlimited N/A4
eStatements Free Required for Account Required for Account Free
Online Banking / Mobile Banking Free Required for Account Required for Account Free
Online Bill Pay Free Free Free Free
Monthly Check Images/Annual Tax Forms Free w/ e-Statement Subscription Free w/ e-Statement Subscription N/A N/A
Email/Phone Alerts Free w/ Online Banking Free w/ Online Banking Free w/ Online Banking Free w/ Online Banking
Deposit Checks by phone Free w/ Online Banking Free w/ Online Banking Free w/ Online Banking Free w/ Online Banking
Checking Account Upgrade Plan Available N/A N/A Available
Loan Discounts N/A N/A 0.25% discount for members qualifying for First Time Auto Buyer Program6 N/A
Deluxe Provent EZShield Identity Theft Protection Optional Optional Optional Optional
Active military ATM and Debit card  fee waiver / rebate Available9 Available9 Available9 Available9

1Plus one-time, non-refundable $5 membership fee for new members.

2Members must meet the following criteria each month to qualify for the REWARDS: 1) 10 posted and cleared debit card transactions per month (PIN or Signature based, not including ATM transactions); 2) Establish direct deposit ($1,000 total minimum per month); 3) E-Documents enrollment (receive monthly e-statements and account notices electronically). Dividends earned will be calculated and ATM Surcharge Rebates will be refunded based on prior month end data.

3Average daily balance on previous month's data.

4Unlimited free ATM transactions and ATM surcharge rebates available with subscription to Checking Account Upgrade Plan for $5 per month.

5Meriwest checks not available; $1.25 per-check fee if other checks written to access the account.

6The Meriwest First-time Auto Buyers Program was established to help our members who are first time auto buyers with no or minimal credit history or professional, non-permanent residential aliens with an auto loan. Ask a representative for details.

730-79 checks cleared per month = $6; 80+ checks cleared = $9

6The Meriwest First-time Auto Buyers Program was established to help our members who are first time auto buyers with no or minimal credit history or professional, non-permanent residential aliens with an auto loan. Ask a representative for details.

8APY is Annual Percentage Yield. Variable rate account, APY is accurate as of July 1, 2015. The minimum balance to open the account is $20, and the minimum average daily balance to earn the stated APY is $100. Balances $15,000 and under earn 1.50% APY as long as monthly criteria2 is met. The remaining balance over $15,000 earns 0.10% APY. If the monthly criteria2 is not met, the entire balance earns 0.01% APY. Fees may reduce earnings.

9All ATM transaction fees will be waived and all ATM surcharges and MasterCard foreign transaction fees will be rebated for ATM and Debit Cards issued to active military members and members who are active military dependents. Official United States Government Identification must be presented for active duty personnel and each dependent to enroll. Fee waivers/rebates will be effective through the expiration date on the military identification card(s). Members are responsible for contacting the Credit Union at the time their military identification card is renewed to continue the fee waivers/rebates. Fees cannot be waived or rebated retroactive to enrollment. Any fees incurred will be rebated at the end of each business day. The account balance must accommodate the fees or surcharges until the rebate is processed.



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You can also call us at 877-MERIWEST (877) 637-4937