First Merit Bank's Master Card Standard Card no annual fee. It is accepted by more than 14 million merchants and 300,000 financial institutions in160 countries with cash advances at 145,000 worldwide ATM's displaying the MasterCard logo. If the card is lost or stolen, it can be protected from unauthorized use, emergency cash is available at the closest ATM. The bank offers one variable- and one fixed-rate option, at competitive rates. Other benefits are 0.00% APR fixed for six months on balance transfers, $100,000 in travel accidental death insurance, optional life, disability, unemployment and leave of absence insurance, and can be used as overdraft protection for First Merit Checking Accounts.