Meriwest's Merit Rewards Program
Get More Back from Your Banking
Go further, faster with Meriwest Merit Rewards. A program of benefits that you can bank on to help you get more, and do more. It’s a simple premise with a powerful result. The more you turn to Meriwest for your financial needs, the more we reward you for your business.
As a Meriwest member you are automatically enrolled in Meriwest Merit Rewards. Your level is determined by your qualifying products and balances. Key benefits start at the Merit Plus level for members who have checking with direct deposit. From there, your benefits grow as our relationship grows – just add qualifying products and grow your balances and you’ll earn more and more meaningful benefits – all designed to help you save more, earn more, and enjoy an enhanced level of service.
Merit Rewards is our way of saying thank you for entrusting us with your financial needs.
Your Benefits Grow as Our Relationship Grows
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Program Levels
Members who do not currently qualify for the Merit Plus, Gold or Platinum Reward Program Levels below.
Members who maintain a checking account with a monthly direct deposit1 of at least $1,000.
Members who maintain: (a) a checking account with a monthly direct deposit1 of at least $1,000, (b) at least one additional product from the Qualifying Products list, and (c) at least a $5,000 minimum average daily balance in total deposits and/or loans with Meriwest Credit Union, excluding Meriwest Mortgage loans.
Members who maintain: (a) a checking account with a monthly direct deposit1 of at least $1,000, (b) at least three (3) different additional products from the Qualifying Products list, and (c) a $10,000 minimum average daily balance in total deposits and/or loans with Meriwest Credit Union, excluding Meriwest Mortgage loans -OR- Members who maintain a combined daily average balance of at least $250,000 in total deposits with Meriwest Credit Union and/or assets under management with Meriwest Wealth Advisors.
1. Direct deposit: aggregate of at least $1,000 per month, must be consecutive for at least two (2) months.
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Program Rewards
Rewards merit
CLASSICmerit
PLUSmerit
GOLDmerit
PLATINUMInternational Debit Transaction Fee Rebate3 Unlimited Unlimited Unlimited Outgoing Domestic Wire Fee Rebate3 Unlimited Unlimited Stop Payment Fee Rebate3 Unlimited Unlimited IRA Transfer to Another Institution Fee Rebate3 Unlimited Unlimited Check Printing Fee Rebate3 Unlimited Skip A Pay Fee Rebate3,4 One/Year Two/Year Interest Paid Rebates (Auto and Equity Loans)5 2.00%/Month 5.00%/Month Debit Card Purchase Rebate3,6 5.00% up to $50/yr Meriwest Mortgage Closing Cost Credit7 $200 $400 Free Cashier’s Checks Unlimited Unlimited Free Expedited Debit Card Replacement X Daily Debit Card Purchase Limit $3,000 $3,000 $5,000 $10,000 Daily ATM Withdrawal Limit $500 $500 $750 $1,000 Complimentary Asset Review X X X X Complimentary Mortgage Review X X X X - Rebate(s) will be credited to your account by the end of the day.
- All other Skip A Pay eligibility requirements still apply.
- A percentage of the interest you pay each month will be credited to your principal loan balance at month-end. Up to $500 annually per membership.
- Get 5% cash back for each purchase you make using your Meriwest Debit Card, up to $50 annually per membership.
- Credit will applied at closing.
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Qualifying Products
- Share Certificate Accounts
- Share Savings Accounts
- Money Market Accounts
- Auto Loans
- Unsecured Lines of Credit with a Balance
- Personal/Money Manager and Other Unsecured Loans
- Share and Other Secured Loans
- Closed-End Equity Loans
- Home Equity Lines of Credit with a Balance
- Current Meriwest Credit Cards with Monthly Activity
- Meriwest Mortgage Loans (Counts as 2 Products)
- Meriwest Wealth Advisor Accounts (Counts as 2 Products)
Consumer Accounts Only. All rewards will be calculated and issued per membership. Your Merit Rewards Program Level will be re-evaluated every month, based on the prior month, which means your level and rewards can change from month to month depending upon your overall relationship with us. You must be a member in good standing in accordance with our Consumer Account Disclosure and Deposit Agreement to be eligible. Members considered not in good standing, including members with a delinquent Meriwest loan, mortgage or credit card (over 30 days past due), will be disqualified from the Merit Rewards Program immediately until the Credit Union determines, in its sole discretion, whether a member is considered in good standing again.
Membership is required with a one-time non-refundable $5 fee.
Join 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.
