Thank you for choosing Meritrust

Apply for your account in minutes

For checking and savings

  • Social security number
  • Government-issued identification
  • Credit/debit card or existing bank account details to fund your new account

For loans and credit cards

  • Social security number
  • Government-issued identification
  • Employment information
  • Income details

New to Meritrust?

Already a Member?

Pending Application?

Frequently Asked Questions

Who is eligible to become a Meritrust member?

To apply online, you must be 18 or over and meet one of the following criteria:

  • Immediate family member of a current Meritrust member
  • Employee of a company in our field of membership
  • I belong to an association in our field of membership
  • None of these apply but still want to join?

Will Meritrust check my credit when I apply for an account online?

To open a deposit account Meritrust does not obtain a credit report. We obtain a ChexSystems (or QualiFile) report to determine account eligibility. To apply for a credit card or a loan, you must authorize Meritrust to obtain a credit report for credit review and evaluation purposes.

I received a Refer-A-Friend coupon. Can I use the coupon when applying online?

Yes! You will need to fill in the Refer-A-Friend coupon. You can obtain a copy of the coupon here. The information you will need is:

Referring Member Name, Address,City, Zip Code

*Must be a member for at least 180 days when referred friend opens account. All Meritrust accounts must be in good standing.

Does Meritrust offer refinance options?

Yes! We offer refinance options for home, auto, boat, motorcycle and RV/camper loans. You will see these listed as an option when selecting the products you want to add to your application.

Where can I see the latest rates for your loans, credit cards and CDs?

All of our current rates and fees can be viewed on our website:


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Questions? Call 800.342.9278
Ext. 8151 for checking, savings, CDs and money market accounts
Ext. 5177 for personal loans and credit cards