FirstMerit offers three types of online personal checking accounts to fit the personal banking needs of its customers, and it also offers checking accounts for its business customers. All of the bank's different types of personal checking accounts can be opened directly from its website or customers can visit a local branch office to fill out an application to open an account.
There are three flavors of personal checking accounts: Reality Checking, Reality Gold Checking and Reality Platinum Checking. All of these types of personal checking accounts can be opened with $50, as of March 2015. They all offer unlimited check writing as a key feature, and overdraft protections is available for them all. They also offer free mobile banking, paperless statements and bill pay service.
Reality Checking is different from the others in that there are no minimum balance requirements, and there is no monthly maintenance fee. Reality Gold Checking and Reality Platinum Checking charge less than $20 in monthly maintenance fees. Reality Checking does not earn interest whereas the others do.
Personal banking customers can deposit checks directly into their accounts using an Android or Apple mobile device. There is a FirstMerit business mobile banking application that enables business customers to have this same ability. Business customers can also be notified of such things as low balances by means of text alerts.