Personal Checking

Getting a checking account with us is EASY. You can do it the old-fashioned way in a branch, or you can do it online. The same friendly people will help you whichever you choose.

Online Account Opening

Personal Checking Account Comparison

 

Product 

Care-Free

First Class 50+

Classic Checking

Scholar Checking

Health Savings (HSA)

All accounts have the following available features:*
Online Banking, Mobile Banking, Thousands of Free ATMs, CardValet, Debit Card/Text Alerts, PopMoney, eStatements, Combined Statements (upon request), Telephone Banking

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

Instant Issue Debit Card

Yes

Yes

Yes

Yes

Yes

Paper Statements

$5/month

Free

$5/month

$5/month

$5/month

Interest Bearing

No

Tiered

No

No

Tiered

Online Bill Pay

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

Overdraft Protection**

$400

Upon Approval

Upon Approval

Upon Approval

Upon Approval

Overdraft Coverage

Must Opt-In

Must Opt-In

Must Opt-In

N/A

N/A

FHB Credit Card

Upon Approval

Upon Approval

Upon Approval

Upon Approval

Upon Approval

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

Open Account Online

Open Account Online

No

No

No

Product 

First Class Club

First Class Bonus

Easy Works

Cash Plus Money Market

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

Instant Issue Debit Card

Yes

Yes

Yes

Yes

Paper Statements

$5/month

$5/month

$5/month

$5/month

Interest Bearing

No

Tiered

No

Tiered

Online Bill Pay

Free

Free

Free

No

Overdraft Protection**

Upon Approval

Upon Approval

Upon Approval

N/A

Overdraft Coverage

Must Opt-In

Must Opt-In

Must Opt-In

N/A

FHB Credit Card

Upon Approval

Upon Approval

Upon Approval

Upon Approval

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.

Fee Schedule

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.

Autumn Debit Card

Barn Debit Card

Basic Debit Card

Beach Debit Card

Covered Bridge Debit Card

Deer Debit Card

Dog Debit Card

Flag Debit Card

Horse Debit Card

HSA Debit Card

 

 

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.

Check Reorder

Questions?

Contact Us

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