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Checking Accounts

FREE CHECKING

No minimum balance required. Unlimited Check Writing, Debit Card, Internet Banking, ATM Transactions, eStatements, Check Imaging and Internet Bill Pay are available.
We prefer that you access your monthly statement directly from the Internet. However, we will mail your statement if you choose. Overdraft protection
is available.

PREMIUM CHECKING

The interest rate you earn depends on the amount of money you keep in your account. This account brings together the “best of” every other account. Enjoy all the benefits of a regular checking account and the interest rates of a money market account all in one.

Debit Card, Internet Bill Pay and Banking, ATM Transactions and Check Imaging are available. 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 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.