Minimum Opening Deposit
A $50.00 deposit is required to open this account.
Monthly Service Fee
The Monthly Service Fee of $12.00 can be waived by maintaining a minimum daily balance of $1,500.00.
Annual Percentage Yield (APY)
The account earns 0.03% interest.
Debit Cards & Using ATMs
Surcharge-Free ATM Access
Surcharge-free ATM access is available at over 55,000 Allpoint Network ATM locations.
Non-affiliated ATM Usage Fee
There is a $2.50 fee each time you use a non-affiliated ATM
International ATM Usage Fee
There is a $2.50 fee each time you use a ATM in another country.
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad, and Android mobile application.
This Email Alert feature enables you to receive warnings when your balance falls below a certain threshold.
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
The first order of 'basic' checks is free for seniors. Reorders of 'basic' checks are free for seniors.
Monthly Paper Statements
There is a $3.00 monthly fee to receive statements by mail.
Check Images with Statements
Images of canceled checks are included in monthly statements.
Online Check Images
Images of canceled checks can be viewed online.
Overdrawing the Account
Negative Balance Fee
There is a $30.00 fee for a negative balance after 6 calendar days with less than a $0.00 balance. After that, this fee is assessed every 7 days with a negative balance.
Returned Item Fee
The Insufficient Funds Fee is $37.00 per overdraft.
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $12.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Alternate Checking Account:- Transfer fee of $12.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.
About MainSource Bank
Our story started over 25 years ago. Since then, we've grown quite a bit, but we've never outgrown the idea that friendly, personal service truly matters.
Today we operate 70 branches in Indiana, Illinois, Ohio, and Kentucky. And in every one, we do our best to build on our heritage of being a force for good. We encourage our employees to get involved in their communities, whether through volunteering, financial education, or charity work. We welcome you to stop by one of our branches, but if you can't, catch a more personal glimpse of who we are and what we are about by checking out our Facebook page.
Every day, you'll find us working to strengthen the communities we serve. We are passionate about helping our customers live better lives.
We're a complete provider of both consumer and commercial financial services. We pride ourselves on providing a unique mix of small-bank service and big-bank services. And despite our regional presence across the Midwest, we believe in local decision-making.
In addition to providing traditional banking services, MainSource Bank offers insurance, brokerage, trust, and title services in all of our locations, allowing us to be your single source for the full range of financial services.