First Merit Bank's Reality Checking Account has free activity rewards ($.05 for all debit card purchase transactions, bill pay payments and direct deposits), free checks for life, free non-FirstMerit ATMs (free use of another bank's ATMs), free wire transfers (no cost for outgoing foreign and domestic wires), free annual overdraft/Returned Item fee waiver (one free annual Overdraft/Returned item fee waiver per year, new waiver begins each year at anniversary and will accumulate if unused), free check returns (canceled checks returned in customers statement), free PIN Transactions (no charge for using debit card for either PIN or signature transactions). Additional features include free online banking, bill pay and credit card overdraft protection.