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Personal Checking Accounts

Main Street Basic Checking

  • Available to individuals 18 or older
  • Minimum balance to open the account: $100.00
  • No minimum balance to maintain
  • A debit ledger entry fee of $.25 will be charged for each debit transaction in excess of 15 during a statement cycle
  • Free or discounted personalized member checks
  • Free Cashier's Checks
  • Free Money Orders
  • Free Notary Service
  • Overdraft Protection Loan available– $70 annual fee
  • Debit card - $0 annual fee
  • Statement with images
  • Insurance benefits with up to $5,000 Accidental Death & Dismemberment
  • Travel benefit
  • Security benefit
  • $7.50 monthly service charge

Main Street Enhanced Checking

  • Available to individuals 18 or older
  • Minimum balance to open the account: $100.00
  • No minimum balance to maintain
  • Unlimited monthly debits & withdrawals
  • Free or discounted personalized member checks
  • Free Cashier's Checks
  • Free Money Orders
  • Free Notary Service
  • Overdraft Protection Loan available– $70 annual fee
  • Debit card - $0 annual fee
  • Statement with images
  • Insurance benefits with up to $10,000 Accidental Death & Dismemberment
  • Travel benefit
  • Shopping benefit
  • Health care benefit
  • Security benefit
  • $9.50 monthly service charge

Main Street Preferred 60 Checking

  • Available to individuals 60 or older
  • Minimum balance to open the account: $100.00
  • No minimum balance to maintain
  • Unlimited monthly debits & withdrawals
  • Free or discounted personalized member checks
  • Free Cashier's Checks
  • Free Money Orders
  • Free Notary Service
  • Overdraft Protection Loan available– $70 annual fee
  • Debit card - $0 annual fee
  • Statement with images
  • Insurance benefits with up to $100,000 CC Accidental Death & Dismemberment
  • Travel benefit
  • Shopping benefit
  • Health care benefit
  • Security benefit
  • $4.50 monthly service charge

Personal Checking

  • Available to individuals 18 or older
  • Minimum balance to open the account: $100.00
  • No minimum balance to maintain
  • Unlimited monthly debits and credits @ $0.20 each
  • Overdraft Protection Loan available - $70 annual fee
  • Credit of $0.04 is given for each $100.00 of the minimum balance during the month
  • A foreign item fee of $.07 will be charged for each check deposited that is not drawn on Oklahoma Bank and Trust Company
  • Debit card - $0 annual fee
  • Statement with images
  • $5.50 monthly service charge + Ledger Entries

Freeway Checking

  • Available to individuals 18 or older
  • Minimum balance to open the account: $100.00
  • No minimum balance to maintain
  • Unlimited monthly debits & withdrawals
  • No monthly service charge with paperless statements; $3.50 monthly service charge with paper statement

Lifetime Advantage Account

  • Available to all students (Minor must have a parent or guardian as guarantor until the minor reaches the age of 18.)
  • Minimum balance to open the account: $100.00
  • No minimum balance to maintain
  • Unlimited monthly debits & withdrawals
  • Debit card - $0 annual fee
  • No monthly service charge with paperless statements; $3.50 monthly service charge with paper statement

Direct Deposit Dispersal

  • Available to individuals 18 or older
  • Minimum balance to open the account: $100.00
  • No minimum balance to maintain
  • $.25 charged for each credit entry over 2 during the statement cycle
  • $.25 charged for each debit entry over 4 during the statement cycle
  • Statement with images
  • $7.50 monthly service charge

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