Reality Platinum Checking

Reality Platinum Checking® Account Details

Account Description

Ideal for individuals looking for a checking account that pays interest on account balances and offers relationship benefits, discounts and premium rates.  

Features & Benefits

  • Minimum opening deposit $50
  • Monthly maintenance fee of $15 is waived if you maintain a $5,000 minimum daily balance or $25,000 in loan/deposit combined balances1 or have a FirstMerit mortgage loan or a mortgage loan through our partnership with Quicken
  • Earn interest on all balances
  • Free non-FirstMerit ATM  transactions2
  • Free first box of checks, plus one free box annually3
  • Free online banking & bill pay
  • Free mobile banking & alerts4
  • Free paperless statements
  • No fees on official checks
  • Free 3x5 safe deposit box or up to $45 discount on a larger box
  • Eligible to open Reality Gold Savings® Account

Let's Talk

Let's Talk

  • Call: 888-554-4362
  • Find a Branch

Get Started Today!

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Reality Platinum Checking® Summary

Easy-to-read document that explains the most common fees and key features of this account.

Learn More »


  1. Credit Card, Mortgage, Student and Business Loans are not included in loan combined balances.
  2. Other bank's fees may apply.
  3. Guardian Safety or Sheffield wallet style checks only, which must be ordered through our check printing partner, Harland Clarke.
  4. FirstMerit does not charge for alerts. However, your internet or mobile service provider may charge for sending and receiving alerts. Check with your service provider for details on specific fees and charges that may apply.