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Checking Accounts

BUSINESS CHECKING

No minimum balance required.

Up to 250 transactions allowed per month (transactions include cleared checks and deposit slips). Each transaction above this limit is billed according to the
fee schedule.

Debit Cards, Internet Bill Pay, Internet Banking, ATM Transactions and Check Imaging are all available for this account. Overdraft Protection is also available.

BUSINESS PREMIUM CHECKING

(Sole Proprietors and Non-Profit Organizations only)

Regardless of the balance you keep, your account will earn interest. However,
the interest rate you earn is based on the amount of money in the account. This account brings together the “best of” features of every other account. Enjoy the benefits of a regular checking account and the interest rates of a money market account all in one.

  • Debit Cards, Internet Bill Pay, Internet Banking, ATM Transactions and Check Imaging are available at no extra charge.
  • A $1,500 average collected daily balance is required to avoid a $15 monthly service charge.
  • We prefer that you access your monthly statement directly from the Web, but we will mail your statement if you choose. Overdraft protection is available on this account.

COMMERCIAL CHECKING

A high transaction volume account. Your daily account balance is used to determine an earnings credit. At the end of the month, your earnings credit is offset against the costs incurred.

  • Expenses include a monthly maintenance fee as well as fees for checks, deposits and deposit items.
  • Debit Cards, Internet Bill Pay, Internet Banking, Telephone Teller, ATM Transactions and Check Imaging are all available.

We prefer that you access your monthly statement directly from the Internet, but we will mail your statement if you choose. Overdraft protection is available on
this account.

Take a look at our Rate Comparison Chart to see which of these accounts fits your needs.

DEBIT CARDS

We offer debit cards to our customers to provide them with an electronic means of accessing their funds in a more efficient manner than using checks. There is no charge for debit cards or debit card transactions.

The main advantages of using debit cards are:

  • They are easier to carry than checks
  • They are accepted by all merchants that accept Visa
  • They keep your personal information more secure since checks have a customer’s name, address and phone number printed on them
  • They are governed by Regulation E, which gives you more protection than using checks
  • Transactions via debit cards provide detailed information on the customer’s financial statement, which helps with reconciliation and expense categorizing
  • MainStreet Bank now offers enhanced Debit Card monitoring at no additional charge
At MainStreet Bank, we take security extremely seriously. Your debit card comes with a team of professionals who help guarantee that you are protected at all times from unauthorized purchases or transactions, even when shopping online. Contact Us for more information on your debit card and learn more about Fraud Prevention.