Smart Rewards Checking
The Checking Account that Pays!
- 2.00% APY* on balances up to $15,000
- No Monthly Fees
- Now with Direct Deposit Early Access!1
- Free ATM access anywhere with up to $20 in surcharge rebates per month2
- 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.
*APY is Annual Percentage Yield. Variable rate account, rate may change after account opening. APY is accurate as of November 1, 2026. 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.
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.
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.
Membership requires a one-time non-refundable $5 fee.
Additional Checking Accounts
Easy Checking
Recommended for anyone who wants a traditional free checking account with no cost features.
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 More
SecureEdge Money Market
Introducing the SecureEdge Money Market Account. The smart, secure way to grow your savings. Earn a great APY* with extra insurance for your funds.
*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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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 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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Are there any service fees for ATM withdrawals?
Our Meriwest ATMs are free for our members. However, you will be charged a fee is when you use an ATM that is not in our network (CO-OP).
Click here to search for ATM locations near you.
Receive the nearest surcharge-free ATM location, sent to you via text!
You can use your phone's text message capability to instantly find the nearest free CO-OP ATM, no matter where you are in the United States. It's so simple.
- Send a text message to 91989.
- In the body of the message, put your current location including street address, city, state and Zip code.
- In 30 seconds or less, you will receive an automatic reply text message with the address of the CO-OP ATM nearest to your location.
- If you want to see more locations, Reply "MORE" and additional locations will be sent to your phone. The services is free of charge other than the text-messaging rate charged by your cell phone carrier.