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Smart REWARDS Checking

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More Rewards. Less Fees.


Enjoy the convenience of local banking, earn a great dividend rate, and don't worry about ATM fees and surcharges.**

  • 2.00% APY* on balances up to $15,000
  • The remaining balance over $15,000 earns 0.10% APY*
  • No Monthly Fees
  • FREE ATM Access Anywhere with Unlimited Surcharge Rebates** 
  • Free MasterCard® Debit card with chip technology and enhanced card benefits
  • Free Online and Mobile Banking including Remote Deposit
  • Free Online Bill Pay
  • Unlimited Free POS (Point-of-Sale) Transactions
  • Unlimited Free Check Writing

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.


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

Not a member? Just click the "Join Meriwest" button below and complete the application.


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*APY is Annual Percentage Yield. Variable rate account, rate may change after account opening. APY is accurate as of April 1, 2019. 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 criteria** is met. The remaining balance over $15,000 earns 0.10% APY. If the monthly criteria** is not met, the entire balance earns 0.01% APY. Fees may reduce earnings.

**Members must meet the following criteria each month to qualify for the REWARDS: 1) 10 posted and cleared debit card transactions per month (PIN or Signature based, not including ATM transactions); 2) Establish direct deposit ($1,000 total minimum per month); 3) E-Documents enrollment (receive monthly e-statements and account notices electronically). Dividends earned will be calculated and ATM Surcharge Rebates will be refunded based on prior month end data.

Membership requires a one-time non-refundable $5 fee.

†Promotional offer starts on July 1, 2019 and is subject to expire at any time. Must be over the age of 18, open a checking account and have a minimum of two (2) recurring direct deposits via ACH within the first 60 day of checking account opening ($500 minimum per deposit) to qualify. Account to account transfers do not qualify as direct deposit. Limit one (1) bonus deposit per membership. Consumer accounts only. One (1) $150 deposit will be made to the checking account within 3 business days once the qualifying criteria are met. Bonus is subject to tax reporting. The minimum deposit required to open a checking account is $20. All Meriwest consumer checking accounts qualify for this offer. Please refer to our Consumer Account Disclosure and Deposit Agreement, visit meriwest.com/checking, or speak to a representative for more information about our available checking accounts.

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

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