Checking —you use it every day. So it has to be mobile, flexible, and accessible!

Choose from any of Mainstreet’s checking accounts. They are designed to be convenient and accessible anytime, anywhere. 

Standard features:

  • Free Bill Payer
  • Free ATM/Debit Card
  • Free OnlineAccess
  • Free PhoneAccess
  • Overdraft Protection from savings account
  • 30,000 free CO-OP ATMs nationwide

Additional features: (ask a Member Service Representative for details)

  • Free Automatic Transfers
  • Free Overdraft Privilege

Learn more about Overdrafts
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Free Plus Checking

Our Free Plus Checking Account really is free checking! There's no monthly service charge, and no minimum balance required. 

Apply Now

Prime Checking

Prime Checking gives you all the standard features, along with monthly dividends when you maintain a balance of $500 or more.

*A $10.00 service fee is applied if your balance drops below $500 at any time during the month.
Apply Now


Classic Club Checking

Classic Club Checking is a full-service checking account for members age 55 and better that earns dividends, requires no minimum balance, and provides a host of other services free or at reduced fees. 

Additional benefits include:

  • One Free Box of Checks per calendar year
    • Each Classic Club account receives ONE free box of checks per calendar year. If there is more than one Classic Club account under a membership this offer cannot be combined to get more than one free box of checks per account (suffix).
  • Free Overdraft Protection
  • No monthly service charge
  • Unlimited check writing
  • Free fax and copy services
  • Safe Deposit Box discount

Apply Now


Federal Regulations
Discretionary Overdraft Privilege Policy