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Checking Accounts

Manage your checking with German American Bank and unlock valuable benefits and $MART decision-making tools.

Checking Account Selector

There's a checking account for everyone, and we keep it simple. Answer a few questions to help choose the right account.

Compare Accounts

If it matters to you what a checking account offers, it matters to us. Perks? Interest? Low fees? Check.

  • Features
  • ShieldPerks powered by BaZing Benefits
  • Monthly Maintenance Fee
  • Minimum Opening Deposit
  • Minimum Monthly Balance
  • Interest-Bearing Checking Account
  • Online Banking
  • ShieldPerks powered by BaZing Benefits
  • Mobile Banking
  • Free Pure Personality Check Card ($10 value)
  • Check Card
  • Card Control App
  • Fee-free In-network ATMs with Allpoint
  • eStatements

Looking for a student checking account?

Find what you're looking for, plus mobile conveniences to fit a student's go-go-go lifestyle with our $MART Checking or e-$MART Checking accounts.

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FAQs

Your questions about opening a checking account, answered.

Opening a personal checking or savings account with German American Bank is simple. Just bring the following information to any of our convenient local bank offices.

  • Government-issued identification (e.g., driver’s license)
  • U.S. Taxpayer Identification Number (TIN)
  • U.S. citizenship or resident alien status
  • Information for accounts you'd like to close at other banks and move to German American Bank

The short answer: It depends.

If you're funding the account using automatic transfer or funds transferred from a non- German American Bank checking or savings account and the account is successfully opened prior to 5 p.m. ET, funds will be available the next business day. If the account is successfully opened at 5 p.m. ET or after, funds will be available in two business days.

If you're funding the account using a credit card or non- German American Bank debit card and the account is successfully opened prior to 5 p.m. ET, funds will be available in two business days. If the account is successfully opened at 5 p.m. ET or after, funds will be available in three business days.

You'll be able to see accounts opened online in German American Bank online banking and our mobile banking app within one business day.