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Checking Accounts


Merck Employees Federal Credit Union’s checking accounts offer unique features that are designed for convenience and to save you money, such as no minimum balance requirements, overdraft protection, and no monthly service or per check fees! 

As a member you receive one free check order every year, free downloadable check copies, free home banking, and free E-Statements. Not only that, but you can start earning dividends right away! Often our checking account rate is higher than most institutions’ savings rates!

  • No minimum balance

  • Interest bearing

  • Earns dividends from the day of deposit to the day of withdrawal. Dividends are paid quarterly.

  • No monthly service fees

  • No per check fee

  • Free checks annually (first time orders need to be place through the credit union)

  • Overdraft Protection available

  • Free downloadable Internet check copies (small fee applies after 90 days) *

  • Free Home Banking*

  • Free E-statements – Earn higher dividends with paperless statements*

  • Cross Account Transfers

Open a Checking Account

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Checking Account Basics

Discover the features, benefits, and functions of checking accounts.

Explore Checking Accounts

Visa Debit Card

With a Visa Debit Card from Merck EFCU, you can enjoy no fees when accessing your money through any Credit Union owned ATM. Earn rewards and get cash back while going about your everyday routine! Open a Visa Debit Card today!

  • Checking account required

  • No fees at credit union owned ATMs for cash withdrawals, transfers and balance inquiries

  • Use at over 30,000 Surcharge Free Co-Op ATMs for locations  (A credit union fee of $0.60 per transaction applies.)

  • Earn free rewards by signing for purchases (

  • Receive cash back at affiliated Point of Sale terminals by selecting “debit” and entering your PIN

  • Card Valet –  Card Valet is a mobile card management application that helps reduce fraud by allowing you to monitor accounts with a smartphone and control how, when and where your debit card is used.  It also allows you to close off certain merchants, set up alerts, cards can be shut off and turned on, etc.  You can download the App from your App Store.  For more information, click here.

  • To report your debit card lost or stolen, please call  – 1-800-472-3272

  • To dispute a transaction, call 1-844-269-3354

Add a Debit Card to Your Account