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FLOW Account

What is the Meriwest FLOW Debit Card?

Meriwest FLOW works like this: You or your parents put money in your account — like what you've been earning or what your parents have been giving you for school, gas, clothes, allowance or whatever. Money is loaded into FLOW from their personal account, and your parents can even set up regular, automatic transfers to give you an allowance.

Now you can use the card at the mall, over the phone, and even online — wherever Visa® is accepted. Does it sound like a credit card? It's not. The amount you spend or use is taken immediately from your FLOW account. Balance too low? Time to get more FLOW! It's like cash, but smarter, safer and a good tool to learn about real-life budgeting and financial responsibility.

Okay, here's why the FLOW Card is so cool:

  • Freedom! Get what you need, when you need it — anywhere!
  • Independence! No need to borrow mom or dad's card, and no need to carry cash. Score the latest stuff with your own card.
  • Responsibility! Yeah, it's gotta happen sooner or later. May as well learn to manage and save money now.
  • Easy Funding! Keep the FLOW going by phone, online or at any Meriwest financial center. And if you have a job, keep it going with Direct Deposit.
  • Design! Two cool card designs that you can pick. This is your card, not mom and dad's bank card. Bet your friends don't have the FLOW.
Visit our checking accounts page to learn more and compare your options. If you have any questions just call 877-637-4937 for more information. To register for online banking, click here.

Just click on “Open Products” when you sign into your Meriwest Online Banking Account and select the "FLOW Account" option.

Not a member? Just click the "Join Now" button below and complete the application.
Criteria Your Choice Checking Smart REWARDS Checking M-Account FLOW Account
Minimum Opening Balance $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 (Up to $15,000)
0.10% APY (Above 15,000)
(Must meet REWARD2 requirement to earn higher dividend)

APY otherwise is 0.01%($100 minimum balance to earn dividend)
Check Writing Free Unlimited Free N/A5 N/A
Visa Debit/ATM Card Free Free Free Free
Point-of-Sale (POS) Free/Unlimited Free/Unlimited Free/Unlimited Free/Unlimited
Meriwest ATM Use Free Free Free Free
Non-Meriwest ATM Transactions 3 free/month4(requires Direct Depositor $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 Required for Account
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
Benefit 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

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 Debit card transactions per month (PIN or Signature based, not including ATM transactions); 2) Establish direct deposit; 3) E-Documents enrollment (receive monthly e-statements and account notices electronically). In addition, non-Meriwest ATM transactions, and ATM Surcharge Rebates are refunded at the end of the month only if all monthly criteria is met.

3Average daily balance on previous month's data.

4Unlimited free ATM transactions and ATM surcharge rebates available with subscription to Benefit plan.

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.

Because you might use your accounts dierently,Meriwest gives you the option to add an Upgrade Plan to Your Choice Checking or FLOW accounts.

Monthly Subscription Rate Non-Meriwest ATM Transactions ATM Surcharge Rebates Replacement ATM/Debit Card
$5 Unlimited Unlimited Free

Just select the upgrade option when filling out the application.

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