How Do You Open a FirstMerit Checking Account?


Quick Answer

A person can open a FirstMerit checking account on the bank's website, according to FirstMerit. There are three different options that FirstMerit offers, as of 2015, including Reality Checking, Reality Gold Checking and Reality Platinum Checking.

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Full Answer

Reality Checking is a checking account that requires no minimum balance or maintenance fees, claims FirstMerit. This option does not earn interest, and fees are applied for the use of non-FirstMerit automatic teller machines. To open the account, a person must deposit $50.

Reality Gold Checking is a checking account that gains interest and offers discounted services, reports FirstMerit. There is a $10 monthly fee associated with this account if a minimum of $1,500 is not kept in the account, but discounts for wire transfers apply. In addition, there is no fee for the first five uses of a non-FirstMerit automatic teller machine each month.

Reality Platinum Checking is the third option available, explains First Merit. This account offers a number of discounts and premium rates. The monthly maintenance rate is $15, which is waived if there is a minimum daily balance of $5,000. This account earns interest. Non-FirstMerit automatic teller transactions are always free, as are official checks and home equity annual fees. People with this account also get a free safety deposit box and a free box of checks each year.

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