Checking Accounts

Compare Our Reality Checking Accounts

Our checking accounts are designed to fit your personal banking needs. Compare our three Reality Checking Accounts, then open the one you want online with our convenient checking application. If you have additional questions about the right option for you, visit your nearest FirstMerit branch  or call 888-554-4362. 

 Reality Checking®
Reality Gold Checking®Reality Platinum Checking®
Ideal For You If You Want:No balance requirements or monthly maintenance feeInterest checking with discounted services Relationship benefits, discounts and premium rates
Open Now:Open NowOpen NowOpen Now
Check Writing:UnlimitedUnlimitedUnlimited
Online Banking & Bill Pay:FreeFreeFree
Mobile Banking:Free1Free1Free1
Debit Card Usage:Free FreeFree
Paperless Statements:FreeFreeFree
Overdraft Protection:Available (Fees Apply)Available (Fees Apply)Available (Fees Apply)
Monthly Maintenance Fee:No $10 $15
Way to Waive Maintenance Fee:N/A $1,500 minimum daily balance or $10,000 in loan/deposit combined balances2 $5,000 minimum daily balance or $25,000 in loan/deposit combined balances2 or FirstMerit Mortgage Loan w/auto debit from Reality Platinum Checking
Check Offers:N/AFirst box free & one free box annually thereafter3First box free & one free box annually thereafter3
Eligible for MeritRewards Shop & Earn:Yes4YesYes
Eligible for MeritRewards Shop, Earn & Protect:Yes5Yes6Yes
Earns Interest:NoYes - Get Rates »Yes - Get Rates »
Non-FirstMerit ATM Fee: $2.50 each7 1st five free7 Free7
Domestic Wire Transfers:Fees apply$15 rebate on incoming & outgoing wire transfers8$15 rebate on incoming & outgoing wire transfers8
Official Check: Fee appliesFee applies Free
Home Equity Annual Fee Waiver: No No Yes9
Safe Deposit Box:Rates vary by box sizeRates vary by box sizeFree 3x5 safe deposit box or up to $45 discount on larger box
Minimum To Open:$50$50$50
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  1. FirstMerit does not charge to send or receive text messages as a part of FirstMerit Mobile Banking. Your phone carrier's standard text messaging charges may apply.
  2. Credit Card, Mortgage, Student and Business Loans are not included in loan combined balances.
  3. Guardian Safety or Sheffield wallet style checks only, which must be ordered through our check printing partner, Harland Clarke.
  4. $1 monthly fee.
  5. $6 monthly fee for ID Recovery, $4 monthly fee for ID Monitoring.
  6. $3 monthly fee for ID Recovery, $3 monthly fee for ID Monitoring.
  7. Other bank's fees may apply.
  8. Review our Personal Checking and Savings Account Fee Schedule.
  9. Refer to Home Equity Line of Credit Disclosures for additional information.
Please note: Fees could reduce earnings on these accounts. Some service fees may apply; see banker for details.


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