$0/month
Personal Banking
Everyday banking, elevated.
Meridian Trust personal banking combines private-bank service with modern online tools — open an account online, move money instantly, and never pay a monthly maintenance fee.
What's included
- Fee-free checking with no minimums
- Free debit card with metal upgrade option
- Zelle, ACH & wire transfers
- 2% cash back on select categories
- 24/7 concierge support
Frequently asked questions
- How do I open a personal bank account online?
- Create your Meridian Trust profile, upload a government-issued photo ID for verification, and make the $300 minimum opening deposit. Most accounts are reviewed and activated within one business day.
- Is Meridian Trust personal checking really fee-free?
- Yes. Personal checking has no monthly maintenance fee, no minimum balance requirement, and no charge for domestic ACH transfers or debit card use.
- Can I use my account from another country?
- Yes. Online banking works from any device worldwide, and the site supports worldwide language translation.
- Are my deposits insured?
- Your account is protected with 256-bit encryption, identity verification and multi-factor authentication on every session.