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Change/Add Accounts
Checking Accounts
Reality Checking
For individuals who want an account with no monthly maintenance fee.
Reality Gold Checking
For individuals who want an interest-bearing account and are willing to maintain higher balances in exchange for discounted services.
Reality Platinum Checking
For individuals who want a premier interest-bearing account and are willing to maintain higher balances in exchange for additional benefits and cost savings.
Savings Accounts
Statement Savings
For individuals who want a basic account to start reaching their savings goals.
Reality Savings
For FirstMerit checking account customers who want a competitive interest rate with no balance requirement necessary to maintain the account.
Reality Gold Savings
For FirstMerit Reality Gold Checking and Reality Platinum Checking customers who want a tiered account where higher balances can earn higher rates.
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Privacy & Security
Your personal information
is kept private & secure.
Reality SavingsReality Savings
Change/Add Account
1. Getting Started
2. Your Information
3. Review Your Information
4. Customize & Fund Your Account
5. Account Usage & Disclosures
FirstMerit Checking & Savings Application
Our online application process is quick, easy and secure!

Open your account in less than 15 minutes!
Please note: to open a Reality Savings account, we need to link it with a FirstMerit Checking account.
Please enter your FirstMerit Checking account number:
If you do not currently have a FirstMerit Checking account, you can add a Checking Account to this application.
Before you begin, you will need this information (for each applicant):
  • Date of Birth
  • Social Security Number
  • Email Address
  • Current home address (and previous address if less than three years at current address)
  • Driver's License or State ID number
  • Employer's name and work phone number
Are all applicants U.S. citizens?
FirstMerit does not accept online applications from non-U.S. citizens at this time. We apologize for any inconvenience this may cause. Please visit a FirstMerit Branch, where our friendly staff will be happy to help you.
Are you opening an individual or a joint account?
(By selecting Joint, you are confirming that your Joint applicant has authorized you to apply for a Joint account in both your names.)
Are you a FirstMerit Online Banking customer?
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individuals and businesses) 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 for your driver's license or other identifying documents.