FirstMerit Bank Reality Checking

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Offered by: FirstMerit Bank

1.7 7 reviews Write a Review!

1 2 3 4 5 Your Rating: Excellent

Info about the FirstMerit Bank Reality Checking has been collected by WalletHub to help consumers better compare checking accounts. The financial institution did not provide the details.

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FirstMerit Bank Reality Checking Rates

$1+

MINIMUM TO OPEN $50

FirstMerit Bank Reality Checking Fees

MONTHLY FEE None
MIN BALANCE TO AVOID MONTHLY FEE N/A
OTHER WAYS TO AVOID MONTHLY FEE N/A

PAPER STATEMENT
FEE $3
OVERDRAFT FEE $35
NEGATIVE ACCOUNT BALANCE FEE $35 every 6 days

FirstMerit Bank Reality Checking ATM & Debit Card Usage

IN-NETWORK ATM TRANSACTION FEE None
ATM NETWORK SIZE 440 ATMs
OUT-OF-NETWORK ATM TRANSACTION FEE $3
REBATE OF ATM OWNER SURCHARGE Not Offered

FOREIGN ATM FEE 3% (and $3)
DEBIT CARD Mastercard
DEBIT CARD FOREIGN TRANSACTION FEE 3%

FirstMerit Bank Reality Checking Additional Info

REWARDS No
ONLINE BILL PAY FEE $0 per month
ADDITIONAL REQUIREMENTS None

Ideal for individuals looking for a checking account that requires no minimum balance and no monthly maintenance fee, while offering you a number of great extras.
Firstmerit bank has more than 440 Surcharge-FREE ATM locations.

FirstMerit Bank Reality Checking Interest Rate Tracker

The graph above is based on WalletHub data. Actual rates may vary. For time periods with multiple applicable rates in our database, based on different criteria, the above graph reflects the lowest interest rate recorded. Before submitting an application, always verify the rates, fees, and all terms and conditions with the respective financial institution.

Customer Questions and Answers

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The Reality Checking account doesn’t have a minimum balance requirement or a monthly maintenance fee.

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Reviews

FirstMerit Bank Reality Checking Reviews

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1.7

Overall Rating: 1.7 / 5

Total Ratings: 7

5 star 1
4 star 0
3 star 0
2 star 1
1 star 5

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By: tmac55

I have been with First Merit for quite some time now. For the most part they are a decent bank but they have some issues. The prices of checks are quite expensive, they have a horrible policy for overdrafts, and generally just bad customer service overall. Any time I've had issues with them and had to deal with the customer service I've always left unsatisfied and frustrated. I am currently looking for another bank to switch to as I have had enough of them.

August 14, 2015 · Flag

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By: phillyboy19

A while ago I was a member of another bank that I guess was bought out or changed over to what is now First Merit. I had a Firstmerit Bank Reality Checking account for some time, and mostly had no issues. Until one day my card was used to make purchases that I did not authorize. These purchases took my account into overdraft The fees kept piling on and I went to the bank to get it sorted out. Well, long story short, only SOME of the fees were reversed, I actually had to pay some of the fees because of the overdraft which they wouldn't reverse. After that, and the other unnecessary fees like the paper balance fee of $3.00. I decided to leave that bank and take my money elsewhere.

February 18, 2015 · Flag

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By: amanda71175

I have had a First Merit Reality checking account for about 5 years now. I have only ever had a few problems with it and those were problems with people getting my account number and charging this to my account. In those incidents I always had top rate customer service and they answered any questions or concerns I had in a timely manner. They were also very quick about getting my account back to where is should be. The staff at the branch I go to is very courteous and always willing to go that extra step for their customers. I would highly recommend a Checking Account at First Merit!

May 14, 2014 · Flag

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Users also submitted 4 ratings without a full review

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