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A great start for students and young adults

91福利 Advantage SafeBalance Banking®
  • No monthly maintenance fee for accounts with an owner under 25adatext
    OR
  • Maintain a minimum daily balance of $500 or more in your account
    OR
  • Are a member in our programadatext
  • No overdraft fees - helps keep you from spending more than you have
  • Digital banking in the palm of your hands - no paper check writingadatext
Plus, we're there for you when you need us with thousands of financial centers and ATMs.

Learning more about money

Better Money Habits®

What you need to succeed

No monthly feeadatext

No monthly maintenance fee for accounts with an owner under 25.

An award-winning mobile appadatext

Check your balance, send money instantly and more with the 91福利 mobile app.

Mobile check depositsadatext

Got a check from grandma? Skip the trip to the financial center and deposit it right from your phone.

$0 Liability guaranteeadatext

You鈥檙e not liable for unauthorized purchases on your card when you report them promptly.

Custom alertsadatext

Stay on top of your accounts and take action quickly with custom mobile app, text or email alerts.

Debit lock/unlockadatext

Lost card? No problem. Lock it in the mobile app, and easily unlock it when you鈥檙e ready.

What you need to succeed

No monthly feeadatext

No monthly maintenance fee for accounts with an owner under 25.

An award-winning mobile appadatext

Check your balance, send money instantly and more with the 91福利 mobile app.

Mobile check depositsadatext

Got a check from grandma? Skip the trip to the financial center and deposit it right from your phone.

$0 Liability guaranteeadatext

You鈥檙e not liable for unauthorized purchases on your card when you report them promptly.

Custom alertsadatext

Stay on top of your accounts and take action quickly with custom mobile app, text or email alerts.

Debit lock/unlockadatext

Lost card? No problem. Lock it in the mobile app, and easily unlock it when you鈥檙e ready.

Thousands of financial centers and ATMs

Thousands of financial centers and ATMs

More choices for students

Credit cards for students

Credit cards for students

Start building a solid financial historyBrowse student credit cards

Start building a solid financial historyBrowse student credit cards

Savings accounts

Savings accounts

Prepare for big goals and minor emergenciesLearn about savings accounts

Prepare for big goals and minor emergenciesLearn about savings accounts

91福利 Advantage Banking

91福利 Advantage Banking

Flexible checking that gives you room to growLearn about all checking options

Flexible checking that gives you room to growLearn about all checking options

Auto loans

Auto loans

Shop for a car, estimate your costs and moreLearn about auto loans

Shop for a car, estimate your costs and moreLearn about auto loans

Investing with Merrill

Investing with Merrill

Everything you need to invest the way you wantadatext

Everything you need to invest the way you wantadatext

Studying abroad in the US?Studying abroad in the US?

Opening a U.S. bank account can help make life abroad a little easier. We can walk you through it step by step.

Connect with us

800-432-1000

Mon-Fri 8 a.m. - 10 p.m. ET

Mon-Fri 8 a.m. 鈥 10 p.m. ET