Member Help Center
Frequently Asked Questions
Quick answers to common questions about accounts, cards, transfers, and digital banking.
How can I avoid monthly checking fees?
Everyday Checking has no monthly maintenance fee when qualifying activity requirements are met. See the account disclosure for complete eligibility requirements.
What happens if I spend more than my available balance?
Transactions may be declined, returned, or paid through an available overdraft service, depending on the transaction and your account settings. Fees may apply.
How much does an overdraft cost?
The current Fee Schedule lists an Overdraft Item Fee of $32.00. Additional conditions, exceptions, and timing provisions are described in the applicable account agreement.
Can I turn overdraft services off?
Members may have options regarding certain overdraft services. Contact Member Support or review the applicable account disclosures for your account.
When will my debit card transaction post?
Posting times can vary by merchant and transaction type. Pending transactions may affect available balance before they post.
Where can I find the complete terms for my account?
Complete terms are contained in your Account Agreement and related disclosures. View Account Disclosures →
What is the difference between available and current balance?
Your available balance generally reflects funds available for transactions after certain holds and pending activity. Your current balance may not reflect all pending activity.
How do I contact Meridian Trust?
Visit our Contact page for member support information.