Checking Accounts

MERCO offers checking accounts that have the features you want, WITHOUT all the useless fluff and hidden fees that you’re likely to find elsewhere.

Regular Checking
Open your account with just $100 and pay no fees as long as you maintain a $250 average balance (dividends are paid on balances of $500 or more). Enjoy unlimited check writing and easy access to your funds through fee-free MERCO ATMs. For peace of mind, set up overdraft protection from either a line of credit or your savings account.

Summit Checking for Members 50 and Older
The Summit Account for members 50 and older consists of both a high dividend savings account and a checking account. Set up at least one recurring direct deposit (like your payroll check or Social Security check) to your savings or checking account and receive the following benefits:

  • NO monthly fees
  • Four free boxes of checks per year
  • Free replacement ATM/Visa Debit card and Personal Identification Number (PIN) if you ever lose your card or your PIN is compromised
  • Free account transactions and inquiries with a credit union representative via telephone-no need to travel to a branch
  • Fee-Free money orders and official checks (max 3 per month)

Student Checking for youths ages 15 to 17

Financial education is one of the most important subjects teens can learn in their lifetime…and the earlier the better. MERCO’s new Student Checking is the perfect place to start.

  • NO monthly fees*
  • FREE pack of 25 checks
  • FREE Visa® Debit Card
  • FREE Online Banking
  • Receive a FREE gift at opening*

If you have teens in your family, bring them into one of our local branches to get them started on the right financial footing.

* No Monthly Fee under age 18.  After 18, standard minimum balance requirements apply ($5 monthly fee for checking accounts with average daily balance less than $250).  Gift may vary and while supplies last.

Get a Free MERCO Visa Debit Card
MERCO Visa Debit CardYou’ll no longer need to carry cash or your checkbook. Purchases are automatically deducted from your MERCO checking account. Use it worldwide, wherever Visa is accepted. You can now also choose your own Personal Identification Number (PIN)!

If you already have a checking account, simply drop by our office and apply for your MERCO Visa Debit Card today! No MERCO checking account? Simply apply for a MERCO checking account and Visa Debit Card.

Your savings at MERCO is secure and risk-free because it is insured for at least $250,000 by the National Credit Union Administration (NCUA), a U.S. Government agency.

At MERCO CU you are not just a depositor, you are an owner!


Fees and Disclosures