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
  • Annual fee waived on your FirstMerit Home Equity Line of Credit5 
  • Free 3x5 safe deposit box or up to $45 discount on a larger box
  • Eligible to open Reality Gold Savings® Account
  • Enroll in MeritRewards Shop, Earn & Protect℠6

Additional Features

Let's Talk

Let's Talk

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

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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 »

MeritRewards Shop, Earn & Protect


  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.
  5. Refer to Home Equity Line of Credit Disclosures for additional information.
  6. MeritRewards Shop, Earn & Protect: The Identity Theft Protection services mentioned above are provided through an arrangement with NXG Strategies, LLC. Entities that may be involved in the provision of these services include NXG Strategies LLC, Merchants Information Solutions, Inc., and one or more companies in the CoreLogic group of companies. In obtaining the described services, you may be asked to visit a third party website and/or agree to terms and conditions with one or more of these companies.
* Activation bonus is paid based on activating certain services and meeting transaction requirements - $25 paid for activating one service, $75 for activating two services or $150 for activating all three services. Activation bonus will be paid within 30 days of the MeritRewards enrollment anniversary date. Refer to MeritRewards Program Description for full details of the program.