Personal Checking

Discover checking accounts that give you more.

More benefits. More perks. More savings.

Choose the checking account that's right for you. Explore the different features of each account below:

Premium Perks Checking

Our Premium Perks Checking account comes with a variety of Meritrust+ benefits, digital banking features, Early Payday, Round Up and dividends that are only available with this account.

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Open An Account

Perks Checking

The Perks Checking account is our elevated checking account that comes with Meritrust+ benefits, digital banking features, Early Payday and Round Up.

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Open An Account

Standard Checking

Our Standard Checking account covers your most basic checking needs and gives you access to digital banking features.

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Open An Account

Click Below to See a Side-By-Side Comparison of Our Checking Accounts

Comparison Chart

PICK THE ACCOUNT THAT'S RIGHT FOR YOU.Arrow

Do you maintain a minimum balance of $2,500 in your account?

Premium Perks Checking

Do you have a cell phone or look for deals when you shop?

Perks Checking

Do you want a low cost account with basic benefits?

Standard Checking

Available
Anywhere Banking Tools

Online banking, mobile banking, bill pay, debit card and eStatement

Available
Available
Available
Available
Early Payday

Get access to your direct deposit up to two days early. No enrollment required.

Available
Available
Available
Round Up

Automate your savings goals. Enroll in Round Up and we will automatically move the spare change from your everyday purchases into your savings account.

Available
Available
Available
Buyer's Protection and Extended Warranty

Items are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 90 days of purchase, using your Perks or Premium Perks checking account.

Available
Available
Available
ID Theft Aid1

Includes identity restoration & payment card resolution, personal identity theft benefit, credit monitoring & credit report, credit score & scoretracker, score simulator, and identity monitoring.

Available
Not Available
Available
Roadside Assistance

Available 24/7 and free to use, up to $80 in covered service charges.

Available
Not Available
Available
Health Savings Card

Save money on prescriptions, eye exams, frames, lenses and hearing services.

Available
Available
Available
Cell Phone Protection

Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen.

Available
Available
Available
Shop Local, Save Local with Meritrust+ Savings

Local discounts and national retailer deals to save you money on shopping, dining, travel & more.

Available
Not Available
Available
$10,000 Travel Accidental Death Coverage2

Peace of mind for the unexpected.

Not Available
Available
Available
Billshark3

Let our team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.

Not Available
Available
Available
Great Dividends on Your Checking Balance

Our best checking rate.

Not Available

1 Subject to the terms and conditions detailed in the Guide to Benefits. 2 Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY. 3 Billshark, identity and credit monitoring require additional activation for monitoring to begin.

Maintain a $2,500 minimum balance, and we'll waive the $10 monthly fee.

Only $7 per month.

Only $3 per month, free with eStatement.

Early Payday

Get your money up to two days early with Meritrust's Early Payday!

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Round Up

Saving money has never been easier. Round Up takes spare change from your purchases and adds it directly to your savings account.

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Dividends

Our Premium Perks Checking account holders earn dividends on their entire balance of $2,500 or more.

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Explore the Benefits of Meritrust+

 
ID-Theft

ID Theft Aid

A host of identity protection products designed to keep you safe.

cell-icon

Cell Phone Protection

Phone broken or stolen? You're covered with repair or replacement.

roadside-icon

Roadside Assistance

Available 24/7 and free to use, covers up to $80 in covered service charges.

phone-icon
shoplocal-icon

BaZing Savings

Shop local, save local. Discover discounts and national retailer deals.

helthservice-icon

Health Savings

Save money on prescriptions, eye exams, frames, lenses and hearing services.

billshark-icon

Billshark

Bill negotiation and subscription canceling service.

Explore Our Debit Card Designs

Sports

Brown Football
Brown Football
Red Football
Red Football
Green Football
Green Football
Purple Football
Purple Football
Black Basketball
Black Basketball
Gold Basketball
Gold Basketball
Blue Basketball
Blue Basketball
Red Basketball
Red Basketball
Purple Basketball
Purple Basketball
Green Basketball
Green Basketball
Yellow Baseball
Yellow Baseball
Blue Baseball
Blue Baseball
Purple Baseball
Purple Baseball

Kansas

Wichita Flag Rainbow
Wichita Flag Rainbow
Black & Yellow Flag
Black & Yellow Flag
Wichita Flag
Wichita Flag
Sunflower
Sunflower

Aviation

Boeing Plane Front
Boeing Plane Front
Boeing Wing Horizon
Boeing Wing Horizon
Boeing Wing Sky
Boeing Wing Sky
Boeing Red Plane Front
Boeing Red Plane Front
Boeing Red Flying Plane
Boeing Red Flying Plane

Misc

Pink Glitter
Pink Glitter
Iridescent
Iridescent
Red & Blue Splatter
Red & Blue Splatter
Black & Purple Splatter
Black & Purple Splatter
White Debit Card
White Debit Card

Meritrust cannot guarantee if or when ACH transactions can be credited to your account early. Our ability to credit your account depends on when your payer sends information to us and on certain information transmitted in the ACH electronic file.