Easy Checking
Free Checking made simple and easy
Our standard free checking account, perfect for anyone with simple banking needs. It offers no monthly fees and no cost features.*
- Now with Direct Deposit Early Access!1
- No Monthly Service Fee
- Unlimited Free Check Writing
- No Monthly Fees
- Unlimited Free POS (point-of-sale) Transactions
- Free Mastercard® Debit Card with Enhanced Benefits
- Go even further with our Meriwest Merit Rewards Program
Add MyLine to your Checking Account
Say goodbye to overdraft charges and hello to a new way of covering extra expenses with MyLine — a line of credit linked to your checking account! Experience local decision-making, a quick closing process, and reliable service when you bank with Meriwest.
*The minimum balance to open the account is $20, plus one-time, non-refundable $5 membership fee for new members.
1. 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.
Additional Checking Accounts
Smart Rewards Checking
The Checking Account that pay! Easy access to your money ... and a great rate!
Learn More
Smart Start Checking
Give your 9 to 17-year-old a SMART Start on managing their money. This debit-card-based account is designed to help youth manage their money while learning financial responsibility.
Learn MoreJoin Our Family!
Membership is required for Meriwest products and services. You are eligible to join Meriwest Credit Union if any of the following applies:
- You live, work, worship, or attend school in Alameda, Contra Costa, San Francisco, San Mateo and Santa Clara counties of Northern California, and Pima county of Arizona.
- You are an employee of a participating Meriwest Credit Union member company.
- You are a relative of or reside with a current member of Meriwest Credit Union.
- If you don’t meet any of the requirements above but live in California or Arizona, you can still join Meriwest with a complimentary membership in the Financial Fitness Association. Call 1-877-637-4937 to learn more.
People Usually Ask:
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How can I get my checking account number?
The best way to access your account number is through Online or Mobile Banking. Simply log in to Online Banking and click the account of your choice. The full account number will be visible.
If you are not signed up for Online Banking, visit your local branch along with a valid photo ID to receive your account number.
Not signed up? Get started with Online Banking for easy access to your accounts anytime, anywhere!
With Online Banking, you can view your account history, make online transfers, access Bill Pay & eStatements...and more! All from the comfort of your own home.
To learn more about the convenience of banking online, please refer to our Online Banking page or enroll today!
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Is there a minimum balance or deposits required for a checking account?
To find the minimum requirements for each type of checking account, visit our Compare Checking Accounts page.
Open a new checking account today!
If you are already a member, log in to Online Banking to open a new checking account
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Is there a minimum balance or deposits required for a checking account?
To find the minimum requirements for each type of checking account, visit our Compare Checking Accounts page.
Open a new checking account today!
If you are already a member, log in to Online Banking to open a new checking account.
If you're not a member, learn more about our Member Benefits and complete our Online Membership Application to join us today.
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Can I use digital wallet options with my Meriwest debit card?
Yes! You can use your Meriwest Mastercard® Debit card to pay at millions of store locations that accept mobile payments, plus in apps and online. Get started today by clicking on the icons below.
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How do I open a new account?
If you are an existing member, you can open additional accounts through Online Banking. Log in to your Online Membership Application. Online Banking account and select 'Open New Account'. Select 'Checking, Savings, MM or Certificate'. From here, you will be presented with a list of current products that are offered by Meriwest. If you are not a member yet, you can open a new account and apply for membership through our Online Membership Application.