Wellness Checking

Earn interest on your balance

Choose the right checking account

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

Mother and daughter having tele-health consultation with doctor on laptop

What is a Wellness Checking Account?

A bank account just for healthcare—with a Wellness Checking Account, you can pay for health-related expenses while earning interest on your savings. Use your Wellness Checking debit card to easily pay for prescriptions and healthcare supplies, co-pays and deductibles, and other out-of-pocket costs. 

What are the benefits of a Wellness Checking Account?

Save money.

  • No monthly service charge or initial deposit required
  • Earn competitive interest on your balance


  • Free debit card to easily pay for medical qualified expenses
  • Free online banking, eStatements, and mobile banking with mobile deposit

Peace of mind.

  • No minimum balance requirement
  • With on-the-go mobile banking, you’ll always know your balance  
  • Be prepared for unexpected medical costs

How do I qualify for a Wellness Checking Account?

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

  • Your Social Security Number
  • A valid, state-issued ID 


Checking accounts for healthcare can only be opened in person. Stop by or make an appointment at your local branch to open.

Visit a Field & Main location to Open a Wellness Checking Account

Looking to open a healthcare account? Visit one of our convenient regional branches in Henderson, Lexington, Evansville, or Cynthiana to learn more or open an account today! 

Explore our other checking account options 

Simply Free Checking –Free checking with no strings attached.

Direct Interest Checking –  Earn interest on your direct deposits

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

Premium Interest Checking – Competitive interest with higher rates for higher balances.

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 service@fieldandmain.com. 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.