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Home > PERSONAL > BANK > Checking > Checking Accounts
 

CHECKING ACCOUNTS

Checking that fits your lifestyle.

Impact your life with Impact Checking

  • Variable interest rates for average balances up to and including $10,000 received are at 6.00% annual percentage yield and balances $10,000.01 and greater will receive an APY of 0.22% when the reward requirements are met.  To earn the reward, complete 15 debit card purchases a total of $150 or more during a statement cycle.
  • If 15 debit card purchases totaling $150 or more are not completed in the monthly statement cycle, the rate earned will be 0.02% APY
  • Minimum to open the account is $100
  • Monthly eStatement is available for no charge and a paper statement is available for a monthly service charge of $3
  • First order of Custom Creations wallet checks through Main Street Bank are free3
  • Service charge may reduce earnings
  • Unlimited check writing on collected balances
  • Your APY and interest rate may change.  At our discretion, we may change the interest rate on your account

Platinum Checking will make the most of your funds and provide a premium interest rate!

  • $100 minimum balance to open the account
  • No minimum balance to earn interest. Variable interest rates for balances received are: 
    • $0-$499,999.99: 0.25% Annual Percentage Yield and 0.25% interest rate
    • $500,000 and greater: 0.25% APY and 0.25% interest rate.
  • A monthly service charge of $15 when the balance falls below $2,500 any day of the statement cycle
  • Monthly E-Statement is available for no charge and a paper statement is available for a monthly service charge of $3.00
  • First box of Custom Creations Wallet checks free3  
  • Unlimited check writing on collected balances

Classic Checking is an easy-to-use account with no monthly service charge

  • $25 minimum opening deposit
  • No monthly service charge 
  • First box of Custom Creations Wallet checks free3  
  • Noninterest-bearing
  • E-Statement avaiable at no charge. Paper statement available for a $3.00 monthly fee.

Senior Checking helps you manage your finances with ease and confidence for every stage of life.

  • Available to those 50 years and older.  
  • $50 minimum opening deposit
  • No monthly service charge 
  • Custom Creations Wallet checks free3  
  • Interest-bearing
  • E-Statement available at no charge. Paper statement available for a $3.00 monthly fee.

Student Checking is a great way to be introduced into the checking account world

  • $50 minimum opening deposit
  • No monthly service charge 
  • First box of Custom Creations Wallet checks free3  
  • Noninterest-bearing
  • E-Statement available at no charge.  Paper statement available for a $3.00 monthly fee.
  • Available for those individuals 14 to 18 years of age. On the 18th birthday, the account may be converted to a Main Street Bank Classic Checking Account. All Classic Checking Account rules will apply.

Each of our checking accounts includes:

  • Main Street Bank Debit Mastercard®
  • Online Banking
  • Online Bill Pay1
  • Mobile Banking2
  • TeleBanking
  • E-Statements
  • Combined Statements
  • Zelle®

View Important Information & Fees

Additional Information:

1. Online Bill Pay is not available for Student Checking Accounts.
2. Charges implied by your communications provider may apply, including messaging and data rates.
3. Only if ordered through Main Street Bank. 

Checking