Premium Interest Checking

Earn more interest with a Premium Interest Checking account. 

Choose the right checking account

Field & Main Bank has designed a tool to help you craft the right fit for you.

What is a Premium Interest Checking Account?

At Field & Main, a higher account balance can unlock special benefits. With our Premium Interest Checking, earn interest on your entire balance, with higher rates and no monthly fees for balances over $1,500. 

Woman shopping

What are the benefits of a Premium Interest Checking Account?

Save money.

  • Free standard checks
  • No monthly service charge for account balances over $1,500 ($6/month for balances under $1,500)
  • ATM refunds of up to $10 each month
  • Earn competitive interest on your balance—and higher interest on balances over $1,500


  • Free debit card for easy purchases and ATM withdrawals
  • Free online banking, eStatements, and mobile banking with mobile deposit
  • Free bill pay—never mail a check again

Peace of mind.

  • No minimum balance requirement ($6 monthly fee waived for balances over $1,500)
  • New account holder? We’ll pay up to $10.00 to buy back your unused checks and debit cards from your old financial institution
  • With on-the-go mobile banking, you’ll always know your balance

How do I qualify for a Premium Interest Checking Account?

To open a Premium Interest Checking Account, you’ll need to be at least 18 years of age. You’ll also need to provide:

  • A $25 initial deposit in the form of cash or check when opening an account in person
  • Online only we will provide routing and account number to fund from an existing account
  • Your Social Security Number
  • A valid, state-issued ID 

Accounts can be easily opened online or in person. Your online account application should take about 10 minutes to complete.

Open a Premium Interest Checking Account with Field & Main Bank

Looking to open a premium interest checking account?  Apply online or visit one of our convenient regional branches in Henderson, Lexington, Evansville, or Cynthiana to get started today! 

Explore our other checking account options

Simply Free Checking –Free checking with no strings attached.

50+  Interest Checking – For our customers over age 50, earn interest and receive free standard checks.

Direct Interest Checking –  Earn interest on your direct deposits

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.