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Personal Checking/Debit

Ready to let your bank meet your needs? Take advantage of interest-earning account options and a host of perks and discounts by signing up for your MetaBank account today.


Preferred Checking Plus

What Will I Pay Monthly?Will I Earn Interest?What Perks Can I Expect?

$7 monthly service fee will be waived by meeting one of the qualifications1:

  • Account Balance
  • Relationship Balance
  • Account Activity

Yes, interest rates may vary depending on your account balance

Your no-charge perks include: 

  • Interest rates vary depending on account balance
  • Free Welcome Pack (20 checks and 10 deposit slips)
  • Unlimited Check Writing
  • No MetaBank ATM/Debit Card Transaction Fees2
  • Free eStatement (check safekeeping and image statement available3)
  • Free Online Banking and Bill Pay
  • No Fee Small Safe Deposit Box for First Year4
  • No Purchase Fee Travel Cards and Cashier's Checks
  • Free PhotoSecure TM Chip-enabled Debit Card
  • Free Mobile Banking
  • Free Mobile Deposit
  • Bank-to-Bank Transfer5

    Free Checking

    What Will I Pay Monthly?Will I Earn Interest?What Perks Can I Expect?
    No monthly service fee


    • No Monthly Fee, No Minimum Balance
    • Unlimited Check Writing
    • Free chip-enabled Debit Card 
    • No MetaBank ATM/Debit Card Transaction Fees2
    • Free eStatement or paper statements6
    • Free Online Banking and Bill Pay
    • Free Mobile Banking
    • Free Mobile Deposit
    • Bank-to-Bank Transfer5


    What Will I Pay Monthly? Will I Earn Interest?What Perks Can I Expect?
    One-time purchase fee is $6 in-branch


    • No credit check required for card approval8
    • No overdraft fees
    • Use it wherever Visa debit cards are accepted worldwide
    • Reload in-branch with no fee
    • Retrieve your balance with SMS text alerts9
    • Have your paycheck directly deposited and enjoy:

         >No reload fee with direct deposit funds
         >$3 monthly fee without direct deposit

    • Safe and Secure! We've got your back with our Lost/Stolen Protection10
    • Ask for full details and service fees


    Order more online to enjoy design selection, accent personalization, check numbering decisions and multiple delivery options. (Keep in mind – if your order includes an address change, order through a MetaBank employee at 1.866.559.5037.)

    Order Now


    Find out more about our online services

    Learn More About Online Banking

    Minimum balance to open a MetaBank® checking account is $25. 

    1Preferred Checking Plus requires meeting one of the account’s qualification standards to waive the $7 monthly service fee – $10,000 minimum daily checking balance; OR $25,000 minimum relationship balance (including loans and/or deposit accounts); OR per statement cycle, have a minimum of 15 debit card purchases (ATM transactions do not apply), receive your monthly electronic eStatement, and have at least one $100 minimum preauthorized electronic direct deposit (does not include internal transfers or Bill Pay transactions). Fees may reduce earnings. 2Free ATM withdrawals and deposits may be made at any MetaBank ATM. Surcharge-free transactions may also be made at ATMs nationwide where the Privileged Status logo is displayed. 3Check safekeeping with paper statements available for $1/month or check safekeeping with paper statements and imaged checks available for $2/month. 4Subject to availability or credit toward larger box for first year. Fee applies after first year. 5Fees may apply. 6Paper statements with imaged checks not available. 7Visa prepaid cards and prepaid MasterCard® cards are issued by MetaBank, Member FDIC. Pursuant to a license by Visa U.S.A. Inc. and MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated. 8Subject to ID verification. 9Standard text messaging rates may apply. 10Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit