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Checking accounts

Banking with a Personal Touch

Main Bank offers a variety of personal banking products designed to meet the needs of individuals. We offer checking accounts, savings accounts, certificates of deposit and IRAs.

Personal Checking 1,2

This account is perfect for those who don’t write a lot of checks. It’s a basic, no-frills checking account that’s easy to get into and easy to maintain.

Requirements Minimum to open ~ $100
Benefits First 40 debits per month ~ no charge
Visa Check Card ~ no charge for first card
Cost Monthly maintenance fee if images are returned with statement ~ $7
Charge for each debit over 40 ~ $0.25 each

NOW Personal Checking 1,2

Looking for a competitive rate of interest? This no-frills checking account offers that and more for those who don’t write a lot of checks and can maintain a higher daily balance.

Requirements Minimum to open ~ $100
Minimum Daily Balance To Earn APY ~ $1,000
Benefits First 40 debits per month ~ no charge
Visa Check Card ~ no charge for first card
Cost Monthly maintenance fee with daily balance under $1,000 if images are returned with statement ~ $12
Charge for each debit over 40 ~ $0.25 each

Main Money Market Account 1,2,3

Main Bank’s money market account offers a competitive rate of interest, which is best for those who need easy access and a good return on extra funds.

Requirements Minimum to open ~ $2,500
Minimum daily balance to earn interest ~ $2,500
Benefits Monthly maintenance fee ~ waived with daily balance of $2,500 or more
Interest is tiered and compounded and paid monthly
Visa Check Card ~ no charge for first card
Cost Monthly maintenance fee with daily balance under $2,500 ~ $15
Excessive activity fee after 3 withdrawals per month ~ $5 each

1.Interest Rates and Annual Percentage Yields (APY) are variable and may change at any time at the Bank’s discretion. No floor or ceiling has been established. A minimum daily balance must be maintained to obtain the APY. The minimum balance that must be maintained is equal to the "Minimum Daily Balance to Earn APY" amount disclosed for each product. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. We use an interest accrual basis of 365 days for each day of the year. Interest begins to accrue no later than the business day after the bank receives credit for the deposit of non-cash items such as checks. Accrued but unpaid interest may not be paid if the account is closed. Seven Days’ notice of withdrawal may be required. Fees could reduce earnings on all accounts.

2.Reordered Visa Check Cards after the first one, a charge of $5.00 will apply.

3.Pre-authorized automatic and telephonic transfers to a third party or another account of the depositor of this Bank are limited by Federal Regulation to six per month. Account is limited to six covered transactions per month. Covered transactions include preauthorized, automatic transfers (including but not limited to transfers from the savings deposit for overdraft protection or for direct bill payments) and transfers made by check, debit card, or other similar order made by the depositor and payable to third parties.

4.Federal eligibility requirements apply for NOW ACCOUNTS ONLY.

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