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Our Checking Accounts feature:

  • No Monthly Fees
  • No Per Check Fees
  • No Minimum Balance
  • No Strings!
  • ATM and VISA Check Card Available (no fee)

Compare us with other "free" checking offers . . . we will never require a minimum balance or direct deposit. As long as you maintain your account in good order, the only thing you might pay for is your actual checks!



Order Checks Online from Main Street Inc.

If we have previously ordered Main Street checks for you, and it has been less than 24 months since your last order, you can click on the icon below to go directly to Main Street's check reorder website.

online reorder legacy

If you have not received checks from Main Street before, or if your name or address has changed since your last order, or if it has been more than 24 months since your last order, you can order checks from any of our offices in person.


Everyday use of your checking account is fee-free as noted above.

However, there are certain circumstances which will result in a charge:

  • Return Fee for non-sufficient funds - $30.00
  • Return of deposited check - $30.00
  • Stop Payment request (includes money orders and ACHs) - $15.00
  • Copies of checks - $2.00 each
  • Debit/ATM Cards Overdraft fee- $30.00
  • VISA Debit Cards - First VISA Debit Card is free, replacement cards are $5.00 (by mail)
  • Instant Issue VISA Debit Card (new or replacement) - $10.00
  • Dormant Account Fee (per month, after two years inactive) - $10.00


For additional fees that may apply see "Rates & Fees" at the top of the page.

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Main office: 915 E. Second Street
Jamestown, NY 14701
(716) 483-1650

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