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Main Street Bank Checking Account

in Checking Accounts

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Main Street Bank Checking Account

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in Checking Accounts

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Overview

Where does Main Street Bank Checking Account do business?

Main Street Bank Checking Account is based in Bingham Farms, MI. It was founded in 2005 and offers checking accounts services in 50 states (and Washington, DC).

Main Street Bank Checking Account is a member of the Federal Deposit Insurance Corporation (FDIC). The FDIC insures deposits in checking accounts, savings accounts, certificates of deposit (CDs), and money market accounts up to $250,000 per depositor if a member institution fails.

What APY does Main Street Bank offer?

Main Street Bank Checking Account offers an APY starting at 0.05% and ranging up to 0.25% (APY stands for annual percentage yield, rates may change).

What features and perks does Main Street Bank Checking Account offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks. Typically there is a limit to how much you can claim for these costs, so check the fine print if you plan to make multiple withdrawals within one month.
  • Free Bill Pay - Bill Pay allows you to receive ebills directly to your account and pay bills easily from your account.
  • Mobile Banking - Main Street Bank Checking Account allows you to manage your money on the go without ever having to step in a brick-and-mortar bank. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What fees does Main Street Bank Checking Account charge?

The good news is that this account does not charge a monthly maintenance fee.

  • Outgoing domestic bank transfers come with a $25 fee.
  • Incoming domestic bank transfers come with a $20 fee.
  • Outoing international bank transfers come with a $50 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
  • Incoming international bank transfers come with a $20 fee.
  • Main Street Bank Checking Account charges a $50 fee for an early account closure. Contact Main Street Bank Checking Account for more details on what is considered an early closure.
  • Main Street Bank Checking Account charges $2.5 every time you request a paper statement.
  • Every returned deposit incurs in a $2.5 charge.
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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Initial Deposit
$50
No Fees
ATM Fee: In-Network
$0
Debit Card Replacement Fee
$0
Online Bill Pay Fee
$0
Foreign Transaction Fee (Debit Card)
0%
List of Fees
Monthly Fee
$0 - $25
Paper Statement Fee
$2.50
ATM Fee: Out-of-Network
$1.25
NSF Fee
$32
Overdraft Protection Fee (per transfer)
$8
Overdraft Item Fee
$32
Early Account Closure
$50
Returned Deposit Fee (Domestic)
$10
Stop Payment Fee
$32
Wire Transfer Fee - Domestic (Outgoing)
$25
Wire Transfer Fee - International (Outgoing)
$50
Wire Transfer Fee - International (Incoming)
$20
Returned Deposit Fee (International)
$10
Wire Transfer Fee - Domestic (Incoming)
$20
Bank Account Features
  • ATM Reimbursement
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Interest Bearing Account
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • No ATM Fees
  • No Monthly Maintenance Fee
Percentage
APY
0.05% - 0.25%
    0% 5%

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