Checking Accounts

Managing your money is quick and easy! With multiple options, we have an account for everyone. Contact us to talk through the right one for you. 

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Perks with Every Account

We make banking how and where you want easy. These tools allow you to easily manage your money from anywhere.

Secure Peace-of-Mind

Powerful end-to-end encryption means your transactions and personal information stays secure while Real-Time Alerts keep you up-to-date on your banking activities and help prevent fraud.

Switching Banks Made Easy

ClickSWITCH makes switching your direct deposits fast and secure. And you can manage all of your recurring payment subscriptions from a single location, all within Online and Mobile Banking!

Empower Your Financial Journey

Personal Finance Manager provides an overview of all your finances, including external accounts, while Credit Expert by SavvyMoney allows you to check your credit without affecting your score.

Simple Card Management

Managing your debit card has never been easier! Turn your debit card on and off, set spending limits, and update the payment information for your favorite subscriptions all within Online and Mobile Banking.

Pay Your Way

With your debit card, you can access your cash at thousands of surcharge-free ATMs nationwide, with the MoneyPass® network, or add your card to your Android, Apple or Samsung wallet to make paying without your physical card a breeze.

Choose the Checking Account that’s Right for You

Simply Free Checking

⭐Easy and accessible

Embrace simplicity! This account has no monthly service charges and no minimum balance requirements.

  • Minimum to open: $50
  • Minimum required balance: $0
  • Monthly fee¹: $0

The Simply Free Checking Account makes banking easy and accessible to everyone. When we say free, we mean it. You’re not required to maintain a minimum account balance, and you won’t pay a monthly service charge. Free checking is ideal if you’re looking for a no-obligation way to open a bank account.

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Advantage 50 Interest Checking

⭐For 50+ customers

With age comes perks! This account gives you extra benefits if you’re 50-years-old or older.

  • Minimum to open: $50
  • Minimum required balance: $0
  • Monthly fee¹: $0

If you’re 50 or older, you’ll want to take a look at our Advantage 50 Interest Checking Account. This account not only lets you earn interest on your balance, but it also gives you free personalized checks for life. You’ll enjoy competitive rates and the added peace of mind that comes with no required minimum balance. 

As of 5/16/2025

Annual Percentage Yield (APY)***Interest Rate***
0.05%0.05%
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Preferred Interest Checking

⭐For maximum interest

Put your money to work by earning the highest interest rate we offer on a checking account! (and even if your balance dips below the minimum, you’ll still earn a competitive interest rate)

  • Minimum to open: $50
  • Minimum required balance: $1,500
  • $7 monthly fee is waived if daily balance is at least $1,500

Are you looking to earn as much interest as possible? Introducing the Preferred Interest Checking Account. This account is ideal if you plan to have at least $1,500 in it at all times. When you do, you’ll earn the highest interest rate we offer on a checking account — all while enjoying the benefits of free checking. 

Don’t worry if your balance falls below $1,500. You still earn our competitive interest rate.

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Disclosures

¹Other fees and restrictions may apply
²Message and data rates may apply
Simply Free CheckingAdvantage 50 Interest CheckingPreferred Interest Checking
Account OverviewA FREE account for everyoneAll the benefits of a Direct Interest Checking account plus additional perks.An account for those interested
in higher interest
Open Online

Open

Open

Open

Minimum Opening Balance$50$50$50
Minimum Balance Required––Yes
Monthly Service Charge––Only $7 monthly charge if minimum daily balance falls below $1,500*
FREE Online and Mobile Banking**YesYesYes
FREE Debit CardYesYesYes

    *Monthly Service Charge will be assessed if balance falls below the Minimum Daily Balance Requirements anytime during the statement period.

    **Message and data rates may apply. Check with your cellular carrier for details.

    ***Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings.

    New Customer?

    Welcome! If you’re a new Martinsville First Savings Bank customer, we understand you may have questions about your checking account. Rest assured, we’ve all been there. We’re here to guide you and set your mind at ease with our helpful guide.

    Download Guide 

    Download Our Mobile Banking App

    Our mobile app makes banking on the go efficient and secure. Access your accounts whenever, wherever. 

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    Meeting Your Financial Needs

    Let’s Talk Through Your Situation

    Everyone’s situation is different, and our experts are here to talk through yours. Whether you’re opening a new account or applying for a mortgage, contact us today.
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