Download Our Mobile App

Download Our Mobile App

FLOW Checking Account

Home » Personal » Checking Accounts » FLOW Checking Account

What is the Meriwest FLOW Account?

The Meriwest FLOW account is the ticket to financial freedom for teens and young adults. This debit-card-based account is designed to help manage daily cash flow, as well as encourage financial responsibility and independence.

Age 13 to 20? 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.
  • Responsibility
    Yeah, it's got to happen sooner or later. May as well learn to manage and save money now.
  • Easy Funding
    You or your parents can 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 FLOW card design choices. 

Card Design Options

FLOW Credit Card Design

Meriwest FLOW Pink Card

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. Register for online banking.

Get Started

Eligibility Requirements

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.

Requires a minimum $20 opening deposit into the account. Checks are not available for this account. Access to the FLOW Account is only available through the Meriwest FLOW Debit Card. For additional information, please refer to the Terms and Conditions Applicable to FLOW Accounts in the Consumer Account Disclosure and Deposit Agreement, which is available upon request. 
Membership is required with a one-time non-refundable $5 fee.

Frequently Asked Questions

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!

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.

Visit our Digital Wallet page for more information.

Control your debit card through your mobile devices

Our Mobile App allows you to freeze (disable) and unfreeze cards, as necessary. You can also immediately and permanently cancel a lost or stolen card. Simply search "Meriwest" in the Apple App Store or Google Play Store to get started.

Visit our Mobile Banking page to learn more.

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.

A postdated check is a check written for a future date. A postdated check cannot be deposited until the date on the check.

No need to stop by the branch. Deposit your checks at your convenience with Mobile Deposit!

Easily deposit checks from anywhere with your mobile phone or tablet using the device's built-in camera

Learn more about the convenient features of Mobile Banking.

The stop payment fee is $20.00.

You can contact us at 1-877-Meriwest, visit one of our Meriwest Financial Centers or use Meriwest Online Banking to place a stop payment on a check. 


Meriwest Online Banking

Online Banking from Meriwest is account management that fits your schedule. It's FREE and available 24 hours a day, seven days a week. Once you have registered for Online Banking, you can:

  • Review all your account balances, transactions and history.
  • Reorder checks.
  • Transfer funds between your Meriwest accounts and your accounts at other financial institutions.
  • Protect the environment and your security by receiving monthly FREE
    e-Statements; archived for 16 months, and available for download or to print, view your check images monthly, and manage your annual tax forms.
  • Set-up and receive e-mail or phone text alerts for more security and easier management of your accounts. Designate the events of your choice, such as when an account balance goes above or below a certain amount, when an electronic deposit arrives in your account, when a certain check clears, or when there is an ATM transaction, and more.
  • Search your accounts based on dates, description, check number or amount.
  • Set up and manage one-time and recurring transfers or payments.
  • Maintain and review up to 180 days of account history.
  • Access Free Bill Pay to manage your bills in one place and even pay individuals with our P2P feature.

Sign up today and start enjoying the freedom to bank online anytime.

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.

Whether you're already a member or applying for the first time, you can also visit one of our branch locations to speak to a representative.

Discover all Meriwest has to offer!

Explore our wide variety of products and services including checking, savings accounts consumer loans, small business loans, merchant services, and investment and insurance options!

All accounts are accessible through branch locations, online banking, and the latest mobile banking technology.

Yes! We offer the following business checking options:

Meriwest can offer dividends on checking accounts to all business members, unlike the typical bank. Regardless of the size or requirements of your business, Meriwest has the solution to fit your business checking needs.

Compare our business checking accounts and find the best fit for you!

Our debit card comes with a host of enhanced MasterCard benefits: 

  • Transactions are deducted directly from your Meriwest Checking Account
  • No finance charges or monthly payments
  • Security and peace of mind of chip technology
  • Zero liability for purchases made in the store, over the telephone, online, or via a mobile device, and ATM transactions
  • And much more!

Visit our ATM Debit Cards page for more information. 

Fees may be charged for cashier’s checks.

All fees are subject to change. Find a list of current fees and service charges on the fee schedule.