Checking Accounts

Regular Checking

Open your account with just $100 and pay no fees if you maintain a $250 average balance (dividends are paid on balances of $500 or more).

• No monthly fee with eStatement enrollment.
• 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.

Student Checking

Our Student Checking account is open to youths ages 13 to 17:

• 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.

Summit Account

Summit Account for members 50 and older consists of both a high dividend savings account and a checking account with several money saving features.

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 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)

Your Summit Account 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!