Personal Checking

Getting a checking account with us is EASY.

Personal Checking Account Comparison

Product

Valet

Regal

Royal

Valor

All accounts have the following available features:*
Banking Butler®, Debit Card Benefits, CardValet, Debit Card/Text AlertsTelephone Banking

Description

Allow our butler to treat you to our most popular account.

Getting more regal with age, this account is for those age 50 and older.

Being royal has its perks of paying interest to you.

For active or veteran military members and first responders.

Minimum to Open

$100

$100

$100

$100

Monthly Service Charge

None

None

$10

None

Ways to Avoid Service Charge

N/A

N/A

Daily balance $2,500 and above

N/A

Free Personalized Checks

No

One box wallet checks free/year, shipping not included

No

One box wallet checks free/year, shipping not included

Instant Issue Debit Card

Yes

Yes

Yes

Yes

Foreign ATM Fees

Yes

Yes

Yes

Waived

Paper Statements

$3/month

$3/month (if account opened on or after 9/1/22)

$3/month

$3/month

Interest Bearing

No

Tiered

Tiered

No

Online Bill Pay

Free

Free

Free

Free

Overdraft Coverage

Must Opt-In

Must Opt-In

Must Opt-In

Must Opt-In

Overdraft Protection (Funds Transfer)

$10/transaction

$10/transaction

$10/transaction

$10/transaction

Free Cashier's Checks

No

Yes

No

Yes

Account Benefits

N/A

N/A

N/A

Waived Stop Payment Fee; Waived Documentation/ Processing Fee on Auto, Boat, RV and Unsecured Loans; Waived Annual Fee on HELOC.*

Loan Auto Pay

Yes

Yes

Yes

Yes

*See account representative for details.

Fee Schedule

Debit Card Round Up

Debit Card Round Up is a simple and easy way to save money without even having to think about it. Every time you use your debit card, your purchase amount will be rounded up to the nearest dollar, and the difference will be deposited into your savings account.

Here's a real world example: Let's say every week you buy a coffee for $3.10, lunch for $10.45, and gas for $35.25. Each of those purchases will be rounded up to the nearest dollar. That adds up to $2.20/week and $114.40/year for just those three purchases each week. It may not seem like much, but over time, those small amounts can really add up!

Debit Card Round Up Benefits

  • It's easy to use. Once you sign up, there's nothing else you need to do. Your savings will happen automatically every time you use your debit card.
  • It's a great way to save money without even having to think about it.
  • It's a free service. There are no fees to enroll in or use Debit Card Round Up.

Once you're enrolled, you'll start seeing your Round Up savings accumulate in your savings account. You can check your progress at any time by logging in to Banking Butler.

If you're looking for an easy and effective way to save money, Debit Card Round Up is a great option. Sign up today by contacting us and start saving!

Easy Checking

Are you unbanked and need help achieving your financial goals? Our Easy Checking account has the Bank On seal of approval. It's checkless and intended to help establish a safe and affordable relationship with us to meet your financial needs.

Our Easy Checking account includes:

  • Few/no fees
  • Federal insurance for deposits
  • Mainstream services (direct deposit, debit, online banking, etc.)

More Details

Instant Issue Debit Cards

Should 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 Reorder

If 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?

Contact Us

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