Download Our Mobile App

Download Our Mobile App

Merit Rewards Program

Home » Personal » Member Benefits » Merit Rewards Program

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

  • Merit Classic
    merit classic Members who do not currently qualify for the Merit Plus, Gold or Platinum Reward Program Levels below.
  • merit plus
    merit plus Members who maintain a checking account with a monthly direct deposit1 of at least $1,000.
  • merit gold
    merit gold 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.
  • merit platinum
    merit platinum 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.
Rewards merit
Certificate Rate Bump2     0.10% 0.25%
International 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
Courtesy Pay Overdraft Privilege Limit $500 $750 $1,000 $1,500
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


  1. Applies at account opening/renewal, excludes promotional certificates.
  2. Rebate(s) will be credited to your account by the end of the day.
  3. All other Skip A Pay eligibility requirements still apply.
  4. 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.
  5. Get 5% cash back for each purchase you make using your Meriwest Debit Card, up to $50 annually per membership.
  6. Credit will applied at closing.
  • 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)

Checking Account Options

Easy Checking     Smart Rewards Checking     M-Account Checking    

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 Meriwest

Unlock the benefits of banking with Meriwest Credit Union

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

Join Meriwest