Personal Checking Account Comparison
| Product |
Care-Free |
First Class 50+ |
Classic Checking |
Scholar Checking | Health Savings (HSA) |
|---|---|---|---|---|---|
|
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 |
Pay medical expenses while earning interest |
|
Minimum to Open |
$100 |
$100 |
$100 |
$100 |
No Minimum |
|
Setup Fee |
None |
None |
None |
None |
$20 |
|
Monthly Service Charge |
None |
None |
$8 |
None |
$2 |
|
Ways to Avoid Service Charge |
N/A |
N/A |
Daily balance $600 and above OR average balance $1500 and above |
N/A |
Daily balance $5000 or above |
|
Free Personalized Checks |
No |
One box free/year |
No |
No |
No |
|
Check Writing |
Unlimited |
Unlimited |
Unlimited |
25 Free, $0.35 per check after 25 |
Unlimited |
|
Yes |
Yes |
Yes |
Yes |
Yes |
|
|
Paper Statements |
$5/month |
Free |
$5/month |
$5/month |
$5/month |
|
Interest Bearing |
No |
Tiered |
No |
No |
Tiered |
|
Three months free, then $6/month |
Free |
Three months free, then $6/month |
Three months free, then $6/month |
Three months free, then $6/month |
|
|
$400 |
Upon Approval |
Upon Approval |
Upon Approval |
Upon Approval |
|
|
Must Opt-In |
Must Opt-In |
Must Opt-In |
N/A |
N/A |
|
|
Free Cashier's Checks |
No |
5/month |
No |
No |
No |
|
Preferred Loan Rate |
N/A |
N/A |
N/A |
N/A |
N/A |
|
Loan Auto Pay |
Yes |
Yes |
Yes |
Yes |
No |
|
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 |
|
Minimum to Open |
$100 |
$100 |
$100 |
$100 |
| Setup Fee |
None |
None |
None |
None |
| Monthly Service Charge |
$11 |
$12 |
None |
$10 |
|
Ways to Avoid Service Charge |
None |
Daily balance $2500 and above |
N/A |
Daily balance of $1000 and above |
|
Free Personalized Checks |
Yes |
Yes |
Starter box |
No |
|
Check Writing |
Unlimited |
Unlimited |
Unlimited |
Limited |
|
Yes |
Yes |
Yes |
Yes |
|
|
Paper Statements |
$5/month |
$5/month |
$5/month |
$5/month |
|
Interest Bearing |
No |
Tiered |
No |
Tiered |
|
Free |
Free |
Free |
No |
|
|
Upon Approval |
Upon Approval |
Upon Approval |
N/A |
|
|
Must Opt-In |
Must Opt-In |
Must Opt-In |
N/A |
|
|
Free Cashier's Checks |
5/month |
5/month |
5/month |
No |
| Preferred Loan Rate |
N/A |
N/A |
HELOC Annual Fee Waived, $250 Closing Cost Discount on First In-House Mortgage |
N/A |
| Loan Auto Pay |
Yes |
Yes |
1% Auto/Boat/RV Loan Discount |
Yes |
|
Open Account Online |
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? |