| Easy Free Checking | Smart Rewards Checking | Smart Start Checking | |
|---|---|---|---|
| Features | Basic. No monthly fees and no cost features. | For active debit card users. Earn dividends! | Available for tweens and teens (9-17). |
| Dividends Earned | N/A | 2.00% APY on balances up to $15,000 1 | N/A |
| Monthly Service Fee | N/A | N/A | N/A |
| Check Writing Per Month | Unlimited Free | Unlimited Free | N/A |
| Non-Meriwest ATM Transactions | N/A | Free (Must meet all REWARD2 requirements) | 2 free/month |
| ATM Surcharge Rebate | N/A | Up to $20 monthly (Must meet all REWARD2 requirements) | N/A |
| eStatement | Free | Required to earn rewards | Free |
| Digital Banking | Free | Free | Free |
| Monthly Check Images / Annual Tax Forms | Free | Free | N/A |
| Direct Deposit Early Access | Available | Available | Available |
Average daily balance on previous month's data.
1: APY is Annual Percentage Yield. Variable rate account, rate may change after account opening. APY is accurate as of June 1, 2025. 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 2.00% APY as long as monthly criteria² is met. The remaining balance over $15,000 earns 0.10% APY. Fees may reduce earnings.
2: To qualify for stated REWARDS in each current month, members must have met the following criteria in the immediate previous month: 1) At least 10 $5 Point of Sale (POS) Debit transactions or have at least $500 in total posted and cleared debit card and / or POS transactions, Direct Deposit (at least $1,000 minimum per month via ACH) and e-Statements; Dividends earned will be calculated and ATM Surcharge Rebates will be refunded based on prior month-end data.
Eligible direct deposits via ACH may be made available up to two (2) days before the scheduled deposit date. Consumer accounts only. Early access is not guaranteed, may vary from deposit to deposit, depends on receipt of payor’s instructions, are subject to limitations for fraud prevention, and may be changed or cancelled at any time without notice. Ineligible deposits, such as payment transfers, check/mobile deposits, etc., will be available per our Funds Availability Policy.
Membership requires a one-time non-refundable $5 fee.