Personal banking
Checking & savings accounts
Open a Meridian Crest deposit account online in minutes. Your checking account is issued with a US routing and account number straight away, and you can add savings accounts whenever you need them — all FDIC insured to the legal limit.
What your checking account includes
Instant account & routing numbers
Your checking account is provisioned the moment registration completes, with a US routing number and account number you can copy straight from the dashboard.
Real-time internal transfers
Move money between your own Meridian Crest accounts or to another customer instantly, with the destination name verified before you confirm.
Scheduled bill payments
Set recurring bills once and let them run automatically, with reminders before each payment date.
Card and payment control
Apply for a Meridian Crest credit card, track the application, and manage card actions from the same dashboard.
Saving alongside your everyday money
Open savings alongside checking
Add as many checking or savings accounts as you need from Account management — no branch visit, no paperwork.
Per-account transaction limits
Set your own per-transaction and daily limits on each account, so a savings pot behaves differently from your everyday spending account.
Movement alerts
Email notifications on sign-in and on every inward or outward transaction, successful or failed.
Freeze in one tap
Temporarily freeze an account, rename it, or close it yourself from Account management.
Checking vs savings at a glance
| Feature | Checking | Savings |
|---|---|---|
| Best for | Everyday spending, direct deposit, bills | Setting money aside toward a goal |
| Account & routing number | Yes — issued instantly | Yes — issued instantly |
| Instant transfers | Yes, in and out | Yes, between your own accounts |
| Scheduled bill pay | Yes | Not typically used |
| Per-account limits | Editable | Editable — often set lower |
| How many can I open? | Multiple | Multiple |
| Deposit protection | FDIC insured to the legal limit | FDIC insured to the legal limit |
Deposit rates and fee schedules are confirmed by our banking team — call +1 (917) 722-9339 for the current figures before you apply.
How to open your account
- 1
Register online
Give your first, middle and last name, phone number, email and home address.
- 2
Confirm your email
Verify the link we send so we know the address is yours.
- 3
Start banking
Your checking account is live with its own numbers; add savings from Account management.
Checking & savings FAQ
- How do I open a checking account with Meridian Crest?
- Create your account online with your name, phone number, email and home address, then confirm your email. An active checking account with its own account and routing number is provisioned for you automatically, and appears on your dashboard immediately.
- Can I open more than one account?
- Yes. From Account management on the dashboard you can open additional checking or savings accounts at any time. Each one gets its own account number, nickname, and transaction limits.
- Where do I find my account and routing number?
- Both are shown on the account detail page in your dashboard, with a copy button next to each so you can paste them into a direct deposit or payment form.
- Are Meridian Crest deposits FDIC insured?
- Yes. Deposits are FDIC insured up to $250,000 per depositor, per ownership category, per insured bank — the same protection a traditional branch bank carries.
- What are the current rates and fees?
- Deposit rates and fee schedules are quoted by our banking team so you always get the current figure. Call the 24/7 hotline on +1 (917) 722-9339 or email support@meridiancrestbank.org and we will confirm the rate that applies to your account type.
- How fast do transfers between my accounts settle?
- Transfers between Meridian Crest accounts post in real time. External transfers to another US bank are sent over ACH and follow standard ACH settlement timing.
Ready when you are
Open your deposit account, or talk to us first — the hotline is staffed 24/7 for customers and visitors alike.