Banking Together: We are pleased to announce legal approval for the merger of First Merchants Bank and Level One Bank. Learn More.

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Personal Checking

Personal Checking Account Options


Everyone’s financial needs are different. Compare and contrast our account options to see which one best suits you.

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Account features My Free Checking My Value Checking My Interest Checking Level One @ School Checking4 Veteran Checking5
Earns Interest  


Tiered Interest



Unlimited ATM refunds nationwide2
Free printed checks  



First order free with ongoing 50% discount6
No fee Cashier's Checks  




Mortgage loan credit7  




Safe Deposit Box discount   10% 20% 10% 10%
MINIMUM DEPOSIT TO OPEN $50.00 $50.00 $50.00 $50.00 $50.00
MONTHLY SERVICE FEE FREE $5.00 $10.00 $3.00 paper statement fee $3.00

No monthly service fee when you sign-up for direct deposit and eStatements. ($3.00 service fee refund with direct deposit and/or $2.00 service fee refund with eStatements)8

No monthly service fee with $5,000.00 average daily balance or $25,000.00 average daily deposit relationship balance or ownership of a business deposit account at Level One Bank.

No monthly service fee with eStatements.8

No monthly service fee with a combined direct deposit of $500.00 or more per month.


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Important Disclosures and Information

1 Online Banking, Mobile Banking and Bill Pay services are free. Some services within Online Banking may be assessed a fee. See the Online Banking Agreement and Disclosure for more information. Standard text message or internet data rates may apply. See your mobile or internet provider for more information.

2 Level One Bank offers unlimited refunds for ATM fees charged in the United States. Fees are automatically refunded immediately after they are charged to the account. We reserve the right to modify or discontinue the ATM fee refund at any time.

3 Must be enrolled in Online Banking to use eStatements.

4 Must be a student between ages 16 - 25 with proof of student eligibility. After account holder reaches age 25, the account will be converted to My Value Checking. Must be 18 years or older to open an account online. Students under 18 years of age must visit a banking center to open an account and must have a parent or legal guardian as co-owner on the account.

5 All USA Military Veterans, current USA military personnel, USA military reservists and immediate USA military family members residing in the same household are eligible for the Veteran Checking Program. Military branches include Army, Navy, Air Force, Marine, National Guard, Coast Guard and Border Patrol.

6 Only applies to the Veteran Checking standard check design. Other check designs are available at full retail price.

7 Credit available to new and existing Level One residential mortgage customers. Credit available on conventional loans, government loans and jumbo loans. Not available on High LTV, construction, equity loans or lines of credit, or classic portfolio loan products. Credit will be reflected as a lender credit at closing on the Closing Disclosure. Loan must close to receive credit.

Account must be in active status to receive eStatement refund. See a Bank representative for details on active status requirements.

Level One Bank reserves the right to change these accounts at any time. Fees may reduce earnings on account. Must be 18 years or older to open an account online.

How can we help?

Call and speak with a customer service representative or visit our Customer Support Center to submit a request for assistance, chat with our team, and view frequently asked questions. 


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