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checking accounts
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Checking Accounts

At Meriwest, we know your life is unique. That's why our checking accounts are designed to offer the convenience and flexibility to meet all of your needs — whatever they may be. Plus, our checking accounts offer additional services such as mobile app, card controls and digital wallets, for extra value and easy, secure access to your funds. 

Our three most popular accounts below, Your Choice Checking, Smart Rewards Checking and M-Account, are available with an optional San Jose Sharks card design.

Each checking account includes a free MasterCard® Debit card with enhanced card benefits, and the security of both chip technology.

Your Choice Checking

Recommended for anyone who wants a traditional checking account with no cost features.

Smart REWARDS Checking

Recommended for active debit card users who want to earn high dividends with unlimited ATM use and other benefits.


Recommended for anyone who doesn't write checks, prefers using their debit card for transactions, uses online and mobile banking, and enjoys the benefits of an electronic checking account.

FLOW Account

Recommended for teens and young adults (13-24) starting on the road to financial independence, yet who might need help from their parents in managing daily cash flow.

Because you might use your accounts differently, Meriwest gives you the option to add a Checking Account Upgrade Plan to Your Choice Checking or FLOW accounts.

Monthly Subscription Rate Non-Meriwest ATM Transactions ATM Surcharge Rebates Replacement ATM/Debit Card
$5 Unlimited Unlimited Free

Just select the upgrade option when filling out the application.

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