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All banking and wealth management offices will be closed on Friday, June 19th, in observance of the Juneteenth federal holiday. Mobile Banking, Online Banking and over 55,500 fee-free ATMs are available 24/7.
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HomePersonalChecking Accounts

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.

Explore Your Options

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
    • Smart Checking
    • Open an Account
    • $7
    • $100
    • None
    • N/A
      • Local and national network of savings
      • Cell phone protection**
      • ID Theft Aid**
      • Roadside assistance
      • $10,000 Travel Accidental Death Insurance**
      • Pharmacy, Vision and Hearing Savings
      • BaZing Fuel
      • Billshark
    • When you order your card within 48 hours of opening your checking account (or $10 fee applies)
    • 55,000+ ATMs worldwide
    • Learn More** Open an Account
    • Smart Checking with Interest
    • Open an Account
    • $12 (waived if monthly minimum balance is maintained)
    • $1,000
    • $5,000
      • Local and national network of savings
      • Cell phone protection**
      • ID Theft Aid**
      • Roadside assistance
      • $10,000 Travel Accidental Death Insurance**
      • Pharmacy, Vision and Hearing Savings
      • BaZing Fuel
      • Billshark
    • When you order your card within 48 hours of opening your checking account (or $10 fee applies)
    • 55,000+ ATMs worldwide
    • Learn More** Open an Account

    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.

    Open $MART CheckingOpen e-$MART CheckingLearn More about Student Checking

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    • Wealth Management

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      Investment Products are not insured by the FDIC, are not deposits, and may lose value.

      Learn More - Wealth Management

    • Business Checking

      Find the best business checking account for your balance levels and transaction patterns. Leverage the benefits of banking with us.

      Learn More - Business Checking

    • Personal Credit Cards

      Put more purchasing power in your wallet with one of our Visa® Credit Cards. Enjoy Scorecard Rewards with our Gold card and a great low rate with our Platinum card.

      Learn More - Personal Credit Cards

    FAQs

    Your questions about opening a checking account, answered.

    View All FAQs

    Opening a personal checking or savings account 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 or Heartland Bank, a division of 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 or non-Heartland Bank, a division of 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 or non-Heartland Bank, a division of 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 our online banking and our mobile banking app within one business day.

    • Scan the QR code with your phone's camera to instantly download our mobile app, or use the links below to install the app to your device.
    • App Store
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    © 2026 German American Bank . All rights Reserved

    Routing Number #:
    083904563
    Call Us
    (812) 482-1314 or (800) 482-1314
    Bankline 24
    (800) 536-0660
    Treasury Support
    (800) 482-1314, ext 2500
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    FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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