All Checking Accounts listed below include the following account features: Free Online Banking, Free Online Bill Pay, Free Debit Card*, Free 24-Hour TeleBank, No Annual Fee VISA® Credit Card*, Free Combined Statements, Free E-statements, Free Check SafeKeeping, Free ATM Transactions in ACCESS Network.

*subject to approval

MainStreet Free Checking

• $100 opening deposit
• $0 minimum balance to waive maintenance fees
• Unlimited check writing
• No maintenance fees

MainStreet Interest Checking

• $100 opening deposit
• $0 minimum balance to waive maintenance fees
• Interest earning
• Minimum of two other accounts or services
• Unlimited check writing
• No maintenance fees
• 1st order of Bank logo checks free (75 checks)

MainStreet Gold Checking

• Account designed for clients 50-plus years young with direct deposit
• $100 opening deposit
• $0 minimum balance to waive maintenance fees
• Interest earning
• Unlimited check writing
• No maintenance fees
• Free Bank logo check orders (75 per order with limit of three orders per year)
• Free money orders, official checks, and safe deposit box

MainStreet Money

• Account designed for clients looking for a higher interest rate
• $1,000 opening deposit
• $1,000 average monthly balance to waive maintenance fees
• Interest earning
• Six (6) withdrawals** per statement cycle
• $10 per month maintenance fee if the average monthly balance falls below $1,000.
• Free Online Banking
• Free ATM or Debit card*
• Free 24-hour TeleBank
• No annual fee VISA® Credit Card*
• Free combined statements
• Free check safekeeping
• Free ATM transactions in network

*Subject to approval.
**Checks, debit card transactions, preauthorized transfer, automatic transfer, by telephone, with the bank's home or internet banking service

MainStreet Savings

• Account designed for clients 18 years and older
• $100 opening deposit
• $100 average monthly balance to waive maintenance fees
• Interest earning
• $3 per month maintenance fee if average monthly balance falls below $100
• Free Online Banking
• Free 24-hour TeleBank
• Free combined statements

MainStreet Gold Savings

• Account designed for clients 50 years old or older with direct deposit
• $50 opening deposit
• $0 minimum balance to waive maintenance fees
• Interest earning
• No maintenance fees
• Free Online Banking
• Free 24-hour TeleBank
• Free combined statements
• Free E-statements

*Subject to approval.

MainStreet Youth Savings

• Account designed for clients 17 years of age and under
• $10 opening deposit
• 0 minimum balance to waive maintenance fees
• Interest earning
• No maintenance fees
• Free Online Banking
• Free 24-hour TeleBank
• Free combined statements

MainStreet Windfall Savings

• Account designed for clients saving for a special purpose such as taxes or holiday
• $10 opening deposit
• $0 minimum balance to waive maintenance fees
• Interest earning
• No maintenance fees
• Withdrawals allowed November 1st - January 31st*
• Free Online Banking
• Free 24-hour TeleBank
• Free combined statements

*Interest will not be paid if funds are withdrawn from this account between February 1 to October 31.

MainStreet CDs

A traditional CD product that allows you to make additional deposits* throughout the term.

• Terms include 91 days, 182 days, 1 year, 18 months, 2 years, 3 years, 4 years, and 5 years

Got It All CD

A CD offering a one-time “bump-up” rate option, a one-time withdrawal of one-half the principal balance, and the ability to make additional deposits throughout the term.

• Terms include 18 months or 30 months

Funeral Trust CD

Designed to help our clients and funeral homes save for funeral expenses.

• Terms include 1, 2, 3 ,4, and 5 years.
• Deposits anytime - $100 minimum

Additional CD Specials Throughout the Year

Popular "off term" CD products with enhanced product features

• Deposit anytime throughout the term
• $250 minimum

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorist and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means to you: When you open an account, we will ask you your name, address, date of birth and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents