Personal Checking

Personal Banking Accounts That Multitask. Deposits that Multiply.

Whether you want to lose the fees or gain interest, our personal checking accounts give you access to more than just your money. Choose from accounts that offer insurance benefits, cash back member rewards and the option of setting up automatic savings payments or bill pay. At Merchants, checking is always user-friendly with more ways to use your account to reach your financial goals.

Merchants Personal Checking Account Features

  • Free Online Banking & Bill Pay
  • Free Merchants Mobile (data rates may apply)
  • Monthly Statement With Check Images
  • E-Statements
  • Direct Deposit
  • Free Merchants Bank Debit Card
  • Unlimited Check Writing and Deposits

Browse Our Personal Checking Accounts

Freedom Checking Checking that sets you free of fees and sets you up with great services.

  • $100 Minimum Balance To Open
  • No Monthly Fees
  • No Monthly Minimum Balance
  • Unlimited Check Writing
  • Monthly statement with images of your checks or FREE e-statements available
  • Free statement binder

The Club Checking with exclusive perks

  • $100 Minimum Balance To Open
  • $8 Monthly Maintenance charge
  • Unlimited Check Writing
  • No Monthly Minimum Balance
  • Free Personal Bank Logo Checks
  • No Fee Traveler’s Checks Or Cashier’s Checks
  • 10% Discount On Safe Deposit Boxes
  • Accidental Death Insurance Benefit*
  • Entertainment Savers Guide
  • Cash Back Member Rewards

The Club Plus Checking that’s a backstage pass to even more perks.

  • $100 Minimum Balance To Open
  • $10 Monthly Maintenance Charge
  • Unlimited Check Writing
  • No Monthly Minimum Balance
  • Free Personal Bank Logo Checks
  • No Fee Traveler’s Checks Or Cashier’s Checks
  • 10% Discount On Safe Deposit Boxes
  • Accidental Death Insurance Benefit*
  • Entertainment Savers Guide
  • Cash Back Member Rewards

Club Fifty Your experience pays off !

  • $100 Minimum Balance To Open
  • $100 Daily Balance To Avoid A $4 Monthly Maintenance Charge
  • Interest Paid On Collected Balances of $1,000 Or Above
  • Free Personal Bank Logo Checks
  • No Fee Traveler’s Checks Or Cashier’s Checks
  • 50% Discount On Safe Deposit Boxes
  • Accidental Death Insurance Benefit*

Prime Money Regular A minimum balance that’s doable. An account that makes your money do more.

  • $1,000 Minimum Balance To Open
  • $1,000 Daily Balance To Avoid A $10 Monthly Maintenance Charge
  • Interest Paid On Collected Balances Of $1,000 Or Above
  • Unlimited Check Writing

Prime Investment Turn deposits into investments with an account that turns a profit.

  • $5,000 Minimum Balance To Open
  • $5,000 Daily Balance To Avoid A $15 Monthly Maintenance Charge
  • Interest Paid On Collected Balances Of $5,000 Or Above
  • Unlimited Check Writing

Prime Cash Management You’ve always raised the bar. Now raise the return on your deposits.

  • $7,500 Minimum Balance To Open
  • $7,500 Daily Balance To Avoid A $25 Monthly Maintenance Charge
  • Interest Paid On Collected Balances Of $7,500 Or Above
  • Unlimited Check Writing

*Not FDIC Insured. Not Bank Guaranteed. May Lose Value. Not Insured By Any Federal Government Agency. Not a Bank Deposit.

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