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Compare our checking accounts to help you choose which one best fits your lifestyle. Enjoy the following features included with all of our checking account options:

  • Online & Mobile Banking1
  • Email & Text Alerts1
  • Local Merchant Discounts
  • Direct Deposit
  • Online Bill Pay
  • E-Statements
  • Telephone Banking
  • Mobile Wallet1
  • 24/7 ATM Access2
  Value Checking

Open Account

E-Banking Checking

Open Account

M Class Checking

Open Account

M University Student Checking

Open Account

Team 50 Checking (Age 50 or Better)

Open Account

Minimum Opening Deposit $100 $100 $100 $100 $100
Minimum Required Balance $0 $0 $0 $0 $0
Monthly Service Fee None None $7.00 (Only if required minimum balance is not met4) None None
Interest Bearing
Minimum Daily Balance to Earn Interest N/A $0 $0 N/A N/A
Everyday Points Checking & Debit Rewards
Free Standard Personalized Checks
Local Merchant Discounts
Account Benefits Includes free financial check-up, complimentary mortgage review, document shredding and more! Includes free financial check-up, complimentary mortgage review, document shredding and more! Includes safe deposit savings, preferred rates on certificates of deposit and installment loans5, AirEvac Lifeteam Discount, free cashier's checks, and much more! Includes $5 Reward for Savers, free financial check-up and more! Includes Free Team 50 Style Checks, Notary Services, Cashier's Checks, Limited Photocopies, Fax Services

Bonus Package3 | Add to Any Eligible Account!

Sign up for a FREE Everyday Points Debit Card to get started. To earn even more points and receive a $50 gift card, simply enroll in and use the following FREE services:

  • Direct Deposit
  • E-Statements
  • Online Banking
  • Online Bill Pay
  • Everyday Points Registration

Earn 5500 points for opening your account with Everyday Rewards & card activation
Earn 500 points for registering with Scorecard Rewards
Earn 1 point for every $2.00 you spend when you run your debit card as credit
Earn 1 point for every $1.00 you spend when you use your credit card
Every 6,000 points earned can be redeemed for a $50 gift card

Your cellular provider’s data and text messaging rates may apply. Additional fees apply for Mobile Deposit. Fees may be assessed by ATM machines not owned by United Community Banks. 3 Bonus Points offer is valid for NEW accounts only. Upon activation of required products and services, you will receive bonus points redeemable for a $50 gift card. The rewards points will be reported to the IRS as interest income. An active debit card is required to earn points. E-statement use is required to redeem points. Points are earned on qualifying signature-based transactions and are dependent upon merchant discretion. Timeframe for points to be credited to point bank may vary. For more information about the Everyday Points rewards program, please visit your nearest Mercantile Bank location. 4 The M Class Checking monthly service fee of $7.00 per statement cycle can be avoided provided you maintain $5,000.00 in your M Class Checking or $10,000.00 in any combination of checking, savings, money market, certificates of deposit, or loan account(s) at Mercantile Bank.  5 Preferred rates on certificates of deposit excludes advertised specials; preferred loan discount offer requires enrollment in automatic payment service.