Checking Accounts

Safe. Secure. Simple. Seamless. Experience secure banking with your checking account whenever and wherever. With the combination of modern tools and convenience, we offer unique checking solutions for all financial lifestyles.


Choose the right account

Whether you’re looking for free checking or interest checking, Field & Main Bank has designed a tool to help you craft the right fit for you.

All Checking Accounts Feature:

Simply Free Checking

A FREE account for everyone

Direct Interest Checking

Earn interest with the convenience of direct deposit or any automatic payment

50+ Interest Checking

A perfect account for customers 50 and over

Premium Interest Checking

An account for those interested in higher interest

Wellness Checking

Your health in good hands.

Your Wellness Checking account is like an investment account for your health care expenses. Use this account to set aside money for medical expenses, so when a need arises, you’ll be prepared.

*This account does not feature ATM rebates.

Choose the Right Account

Our account selector tool will help you craft the right fit

Minimum opening deposit for all accounts with the exception of Wellness Checking is $25. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft fees, etc. may apply. See fee schedule for details. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. Buyback offer valid on new checking accounts only.

¹ In the event of insufficient funds at the end of a statement cycle, the monthly maintenance fee will still be assessed; however, the account will not incur an overdraft fee.


Starting is Simple

Field & Main Bank was designed with you in mind. Because of that, setting up your checking account is effortless and streamlined. We believe that banking should be built on more than transactions – that it should start with relationships. So we give you options, give us a call at 1-888-831-1500, Open an Account Online, or come visit us at any of our convenient locations in Henderson, Lexington, or Cynthiana, Kentucky and Evansville, Indiana.

Instant Internal Transfers

Move money quickly while you’re on the go

Customized Alerts

To help you stay in-the-know about all financial issues and concerns

Secure Touch & Face ID Login From Capable Devices

For when you can’t remember that pesky password

Checking Account FAQs

How much money do I have to put in the account to open it?

When you open a new checking account, you’ll have to make an initial deposit of $25.


How long does it take to get a debit card? How much do debit cards cost?

All our checking accounts feature free debit cards. We offer Instant Issue debit cards, which means we can print a debit card for you at any of our banking centers within minutes. It can take up to 2 business days for our debit cards to activate.


Do you have a free checking account?

Yes! In fact, we have several free accounts. You can give us a call at (888) 831-1500 or email us at We’ll ask you a few simple questions to see which one best suits your needs!


Can I deposit a check with my phone or tablet?

Yes, you can. All our checking accounts feature free mobile deposit. You can deposit checks with your phone or tablet using our mobile app.


Do I have to pay for my statements?

No, you do not. We offer e-statements which you can access at any time in online banking. Each month, you’ll receive an email notification letting you know that they are ready. We also offer free paper statements which would be mailed to you monthly. We do suggest e-statements, as they are more secure than paper statements.


How do I set up direct deposit for my account?

We have a simple Direct Deposit form that you can complete and take to your employer. In some cases, your employer may have their own form that they require you to complete. If they require verification of your account number and routing number, we can easily provide that for you as well.


Credit Cards

Field & Main personal credit cards offer fantastic benefits. Find out more about our credit card services.

Savings Accounts

Whether you’re saving for big purchases or emergencies, depositing both your money and confidence in a Field & Main savings account is easy.