1.2.3 Checking

On the last business day of each month we will evaluate your account to see which Level you met to determine the benefits you will receive.

Level 1

• No maintenance fee
• No dividends earned
• $1 monthly statement charge (waived if you are an e-Statement user)

Level 2

• No maintenance fee
• Receive a variable dividend of .25% APY*
• Waived Main Street Financial foreign ATM fee

Level 3

• No maintenance fee
• Receive a variable dividend of 2.25% APY on first $20,000 and the Level 2 yield on any amount over $20,000
• Waived Main Street Financial Foreign ATM Fee

Each checking account Level includes FREE: Online Banking, e-Statement, Online Bill Pay, Online Deposits, and Mobile Banking.

*Annual Percentage Yield

Each checking account automatically qualifies as Level 1.

To qualify for Level 2 and Level 3 the following criteria must be met by the last business day of each month.

Level 2

• Maintain an Average Daily Balance of $500
• e-Statement
• Active Debit Card*

Level 3

• Maintain an average daily balance of $2,000
• e-Statement
• Active Debit Card*

To sign up for e-Statements click here.

*Debit card must be used for a least one transaction a month to be considered active.

Verified by Visa

To sign up for Verified by Visa protection you are asked for the last four digits of your checking account number. This is not your account number. If your checking account is an S2 the last four digits will be 0200, for S7 checking accounts the last four will be 0700, for S2.1 checking accounts the last four will be 0201.

Automatic overdraft transfer: $3.00 for each occurrence, from your savings account to your 1.2.3 checking account when there are not enough funds to cover a check.