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Smart REWARDS Checking

More Rewards. Less Fees.

Enjoy the convenience of local banking, earn a great dividend rate, and don't worry about ATM fees and surcharges.**
  • 1.50% APY* on balances up to $15,000
  • The remaining balance over $15,000 earns 0.10% APY*
  • No Monthly Service Fee
  • FREE ATM Access Anywhere with Unlimited Surcharge Rebates** 
  • Free MasterCard® Debit card with chip technology and enhanced card benefits
  • Free Online and Mobile Banking including Remote Deposit
  • Free Online Bill Pay
  • Unlimited Free POS (Point-of-Sale) Transactions
  • Unlimited Free Check Writing
Visit our checking accounts page to learn more and compare your options. If you have any questions just call 877-637-4937 for more information. To register for online banking, click here.

Just click on “Open Products” when you sign into your Meriwest Online Banking Account and select the "Smart REWARDS checking" option.

Not a member? Just click the "Join Now" button below and complete the application.

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

*APY is Annual Percentage Yield. Variable rate account, APY is accurate as of May 1, 2018. 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 1.50% APY as long as monthly criteria** is met. The remaining balance over $15,000 earns 0.10% APY. If the monthly criteria** is not met, the entire balance earns 0.01% APY. Fees may reduce earnings.

**Members must meet the following criteria each month to qualify for the REWARDS: 1) 10 posted and cleared debit card transactions per month (PIN or Signature based, not including ATM transactions); 2) Establish direct deposit ($1,000 total minimum per month); 3) E-Documents enrollment (receive monthly e-statements and account notices electronically). 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.