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When it comes to checking accounts, we believe you should have options. MainStreet is committed to providing convenience to match your lifestyle.

When it comes to checking accounts, we believe you should have options.  Whether you want a free account so you don’t have to worry about minimum balance requirements or monthly fees1, or you want to maximize your return in an interest bearing account2 – MainStreet has what you need.  Our personal checking accounts can be paired with your choice of savings or money market accounts, Visa® chip-enabled debit cards, and overdraft protection.  Features like online banking with BillPay, access to over 55,000 free ATMs worldwide, e-Statements, and check imaging all demonstrate our commitment to providing convenience to match your lifestyle2.

Expect more from a checking account

Choose between the convenience of our Free Checking account with no minimum balance requirements or monthly maintenance fees1 or our Premium Checking account that earns a tiered rate of interest2. Complement either with one of our savings or money market accounts to maximize your return!


Opening a Free Checking or Premium Checking account is fast and easy. You’ll need to have a Government issued drivers license or state ID, social security number, your physical and mailing address, and date of birth.  Use our online portal to apply for your personal checking account today!

Apply Now

Checking FAQs

1 Review our Personal Fee Schedule prior to utilizing any of our fee based products or services. 2 Review our Personal Annual Percentage Yeilds (APY) for all interest bearing personal accounts. 3 All Checking Accounts are subject to our Deposit Account Agreement. 4 All Checking Accounts are subject to our Funds Availability Policy.

Learn more about our Personal Checking Services and Solutions.

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