An Overdrawn Checking Account? It happens. 

On occasion, we all overestimate the size of our checking account balance. At MainSource, we get it. That's why we offer products to protect you from being declined at your favorite restaurant or at the pharmacy when the medicine isn't a luxury ... it's a necessity. Sign up or apply for the overdraft solution options below:

In the event of an overdraft, the funds are transferred to your primary MainSource checking account. Funds will only transfer if the balance is greater than or equal to the overdraft amount, plus an overdraft transfer fee. The overdraft transfer fee is deducted from your MainSource checking or savings account.*
Overdraft Protection (ODP), a Home Equity Line of Credit, or other eligible Lines of Credit can be linked to your primary checking account to cover non-sufficient funds in the event of an overdraft.**
All eligible checking accounts are enrolled in MainSource Bank's Courtesy Cash Program. Participants in our Courtesy Cash Program may have checks, ACH items and recurring POS transactions approved or "paid" up to a predetermined limits, rather than having items returned as "unpaid." There is no annual fee; per item fees are assessed when service is used.***
Courtesy Cash Plus** offers you protection when you need it most. This service includes the same features as Courtesy Cash, plus the same privilege for ATM and POS transactions approved or "paid" up to predetermined limits. There is no annual fee; per item fees assessed when the service is used.***
An overdraft notification of $35 will be charged on the 7th, 14th and 21st consecutive calendar days following the overdraft occurrence, if the account remains in overdraft status. 

* Overdraft transfer fee of $10 will be deducted from your checking or savings account.
** $10 Overdraft Protection fee will be applied to your primary checking account for each transfer.
*** The account must be returned to a positive balance as soon as possible. Overdraft payments may be discretionary. An overdraft charge of $37 will be applied to your checking account for each transaction resulting in an overdraft. Without Courtesy Cash Plus, ATM and Debit Card purchases may be declined at the point-of-sale.

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Rely on our mobile solutions for fast, on-the-go access to your finances. Choose the mobile options that are right for you - for the smart way to take care of your finances, anywhere life takes you. 

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For Real Personal Lending

Banking isn't about us. You choose a bank because you love other things in life... like your family. Along the way, you need financial services like Home Loans to keep them safe. At MainSource, we get that. 

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Insurance and Investment products are NOT insured by the FDIC; not deposits or other obligations of, or guaranteed by the institution; subject to investment risks, including possible loss of the principal amount invested.