Field & Main Bank - Kentucky and Indiana

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.

All Checking Accounts Feature:

All Checking Accounts Feature:

  • Free Debit Card
  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Free eStatements with online check images
  • Free thank you gift
  • Buy back of your unused checks and debit cards from another financial institution
  • Refunds on ATM fees, up to $10 monthly*

Simply Free Checking

A FREE account for everyone

  • Free first order of checks
  • No minimum balance
  • No monthly service charge



Direct Interest Checking

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

  • Free first order of checks
  • Competitive interest
  • No minimum balance
  • No monthly service charge


50+ Interest Checking

A perfect account for customers 50 and over

  • Free personalized checks
  • Competitive interest
  • No minimum balance
  • No monthly service charge


Premium Interest Checking

An account for those interested in higher interest

  • Free personalized checks
  • Higher interest rate with a balance of $1,500 or more
  • Competitive interest if balance falls below $1,500
  • Only $6 monthly charge if minimum balance falls below $1,500¹



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.

  • No minimum initial deposit
  • Debit Card
  • Interest bearing

*This account does not feature ATM rebates.


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. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of checking account opening. 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
Next Steps

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 give us a call at 1-888-831-1500contact us 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 you have any accounts that earn interest?

Yes. We have several accounts that can earn interest. You can call us at (888) 831-1500 or stop by your local Field & Main Banking center to see which product best fits your needs.

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.