Personal Checking Account Comparison
| Product |
Care-Free |
First Class 50+ |
Classic Checking |
Scholar Checking |
Military |
|---|---|---|---|---|---|
|
All accounts have the following available features:* |
|||||
|
Description |
Our most popular checking account for your everyday needs |
For our more seasoned customers, age 50+, with perks because age should be rewarded |
No monthly fee with a minimum balance |
Students 23 years old and younger |
For active and veteran military members |
|
Minimum to Open |
$100 |
$100 |
$100 |
$100 |
$100 |
|
Setup Fee |
None |
None |
None |
None |
None |
|
Monthly Service Charge |
None |
None |
$8 |
None |
None |
|
Ways to Avoid Service Charge |
N/A |
N/A |
Daily balance $600 and above OR average balance $1500 and above |
N/A |
N/A |
|
Free Personalized Checks |
No |
One box free/year |
No |
No |
One box free/year |
|
Check Writing |
Unlimited |
Unlimited |
Unlimited |
25 Free, $0.35 per check after 25 |
Unlimited |
|
Yes |
Yes |
Yes |
Yes |
Yes |
|
|
Foreign ATM Fees (See Free ATMs) |
Yes |
Yes |
Yes |
Yes |
Waived |
|
Paper Statements |
$5/month |
Free |
$5/month |
$5/month |
Free |
|
Interest Bearing |
No |
Tiered |
No |
No |
No |
|
Three months free, then $6/month |
Free |
Three months free, then $6/month |
Three months free, then $6/month |
Free |
|
|
$400 |
Upon Approval |
Upon Approval |
Upon Approval |
Upon Approval |
|
|
Must Opt-In |
Must Opt-In |
Must Opt-In |
N/A |
Must Opt-In |
|
|
Free Cashier's Checks |
No |
5/month |
No |
No |
2/month |
|
Loan Benefits |
N/A |
N/A |
N/A |
N/A |
Waived Documentation/Processing Fee on Auto, Boat, RV, and Unsecured Loans** |
|
Loan Auto Pay |
Yes |
Yes |
Yes |
Yes |
Yes |
|
Online Account Opening |
No |
No |
No |
||
| Product |
First Class Club |
First Class Bonus | |||
|---|---|---|---|---|---|
|
Description |
A bundle of products for a low monthly fee |
Earn interest, high balance, value added services |
Only available for employees of select businesses |
A higher return on savings balances |
A higher return on savings balances |
|
Minimum to Open |
$100 |
$100 |
$100 |
$100 |
No Minimum |
| Setup Fee |
None |
None |
None |
None |
$20 |
| Monthly Service Charge |
$11 |
$12 |
None |
$10 |
$2 |
|
Ways to Avoid Service Charge |
None |
Daily balance $2500 and above |
N/A |
Daily balance of $1000 and above |
Daily balance of $5000 and above |
|
Free Personalized Checks |
Yes |
Yes |
Starter box |
No |
No |
|
Check Writing |
Unlimited |
Unlimited |
Unlimited |
Limited |
Unlimited |
|
Yes |
Yes |
Yes |
Yes |
Yes |
|
|
Foreign ATM Fees (See Free ATMs) |
Yes |
Yes |
Yes |
Yes |
Yes |
|
Paper Statements |
$5/month |
$5/month |
$5/month |
$5/month |
$5/month |
|
Interest Bearing |
No |
Tiered |
No |
Tiered |
Tiered |
|
Free |
Free |
Free |
No |
Three months free, then $6/month |
|
|
Upon Approval |
Upon Approval |
Upon Approval |
N/A |
Upon Approval |
|
|
Must Opt-In |
Must Opt-In |
Must Opt-In |
N/A |
N/A |
|
|
Free Cashier's Checks |
5/month |
5/month |
5/month |
No |
No |
|
Loan Benefits |
N/A |
N/A |
Waived Documentation/Processing Fee on Auto, Boat, RV, and Unsecured Loans / $250 discount on first mortgage closing costs / HELOC annual fee waived**
|
N/A |
N/A |
|
Loan Auto Pay |
Yes |
Yes |
Yes |
Yes |
No |
|
Open Account Online |
No |
No |
No |
No |
No |
*Money Market accounts do not have access to debit card features. **See account representative for details.
Instant Issue Debit CardsShould you choose to receive an Instant Issue debit card as you open your personal checking account in one of our branches, you can choose between the below designs. Keep in mind to always let us know of your travels so that your debit card (Instant Issue or mailed) will work seamlessly throughout your adventures.
Check ReorderIf you have ordered checks with us before, you can reorder them online with Main Street. If you haven’t ordered checks with us before, please visit or contact us. Questions? |