Our New MainStreet Checking Products

• MainStreet Free Checking
• MainStreet Interest Checking
• MainStreet Gold Checking
• MainStreet Home Checking
• MainStreet Health Savings Account

 

MainStreet Free Checking
Our free checking account for clients including many free services added to it.

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MainStreet Interest Checking
We reward clients for having multiple relationships with us. This account includes everything, even your first order of checks. This account requires two or more of the following: direct deposit, savings, CD, IRA, mortgage loan, consumer loan, money market, credit card, ATM/Debit card, safe deposit box, automatic savings/loan payment/investment to other accounts with us.

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MainStreet Gold Checking
For clients 50 years or older with multiple relationships with us, we provide a checking account which includes everything, including free bank logo checks! This account requires two or more of the following: direct deposit, savings, CD, IRA, mortgage loan, consumer loan, money market, credit card, ATM/Debit card, safe deposit box, automatic savings/loan payment/investment to other accounts with us.

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MainStreet Home Checking
Free checking for homeowners who have either their mortgage loan, second mortgage, or home equity loan with us and two or more of the following: direct deposit, savings, CD, IRA, mortgage loan, consumer loan, money market, credit card, ATM/Debit card, safe deposit box, automatic savings/loan payment/investment to other accounts with us.

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MainStreet Health Savings Account (HSA)
A MainStreet Health Savings Account is an interest bearing account which allows you to save money for qualified medical expenses tax-free. In a world full of rising health care costs, the MainStreet Health Savings Account offers a solution with competitive interest rates that you can only benefit from. Open a MainStreet Health Savings Account and watch your savings grow!

Who Is Eligible?
A MainStreet Health Savings Account may be established by any individual who:
1. Is covered under a High Deductible Health Plan (HDHP). The HDHP minimum deductible for the 2007 tax year is $1,100 for an individual and $2,200 for a family.
2. Is not covered by another health plan that is not an HDHP (some exceptions apply).
3. Is not eligible for Medicare benefits (generally, under age 65).
4. Cannot be claimed as a dependent on another person’s tax return.

Features and Benefits:

• Interest Bearing NOW Checking Account
• Competitive tiered interest rates based on account balance:
  • Under $2,500
  • $2,500 and over
• Free Online Banking
• Free Online Bill Pay
• Free 24-Hour TeleBank
• Free Check Safekeeping (Canceled check images returned in statement for a nominal fee)
• Deposit anytime, any amount*
• Unlimited check writing*
• Receive monthly combined statement
• Account set up fee of $25
• Minimum opening balance of $100**
• Monthly maintenance fee of $3 if average daily balance falls below $2,000
• Monthly maintenance fee waived for first 6 months

*HSA owner responsible for determining the allowable annual HSA contribution and the taxability of an HSA distribution.
**Waived at bank’s discretion

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