Spend
Relax. Save time. Stay local. Open a checking account online in minutes.
Relationship Checking
Earn interest with your checking account and other benefits of growing your Merchants relationship.
eChecking
Lose the paper and simplify your banking. Good for you, good for the earth. This account prioritizes using your debit card, ATMs, automatic deposits and withdrawals and the convenience of mobile banking to manage your account.
Free Checking
Some things never go out of style. All the essentials and the service you trust. No minimum balance.
Military Banking
A special checking account for those who are serving or have served in the military. We are humbled by your willingness to sacrifice and honored to offer this account as a small thank you for your service.
Compare Checking Accounts
| Account Features | Relationship Checking | eChecking | Free Checking |
|---|---|---|---|
| Minimum Opening Deposit | $50 | $50 | $50 |
| Debit Card | Yes | Yes | Yes |
| Monthly Fee | $10. No monthly fee with a $1,500 daily balance in this checking account, or if the owners total deposit and loan relationship equals $15,000 or more every day of the month/statement cycle. | $10. No monthly fee with minimum of 6 debit card purchases, maximum of 6 paper checks and eStatement enrollment. ATM & automatic deposits/withdrawals not counted. | $0 |
| 1st-year Free Overdraft Line of Credit* | |||
| Identity Theft Insurance | Available | Available | Available |
| Check Images | Available | Available Online | $2 per month when returned with statement; free online |
| Earns Interest | View rates | ||
| Free Merchants Signature Style Checks | |||
| Safe Deposit Box Discount | 20% discount annually | ||
| 50% Discount on Visa® Gift Card Purchase Charge | |||
| No Fee on Cashiers Checks | |||
| 3 Foreign ATM Fees Waived per Month | |||
| Online & Mobile Banking | |||
| Online Account Opening | |||
| Learn More about Relationship Checking Open Account For Relationship Checking | Learn More about eCheckingOpen Account For eChecking | Learn More about Free CheckingOpen Account For Free Checking |
*Subject to credit approval. $30 Annual Fee. 15.59% Annual Percentage Rate.
Online Application Checklist
Looking to open a Student Checking, Military Checking, Certificate of Deposit (CD), or HSA Checking or CD account? You’ll need to apply online before we can open an account for you. Here's a checklist of what you'll need to have on hand when you apply.
- Social Security Number of all account owners
- Driver’s license or State ID card
- Home address and phone number
Once we receive your application, we’ll contact you to stop in and complete the process. Or call your local branch to schedule an appointment during regular banking hours.
Switching banks? Check out our How to Switch Banks guide for all the details.
Recommended Resources
