Be aware of Impersonation Scams. We'll NEVER ask you to share your verification code via phone, text, or email. If you receive a call or message asking for login or confidential information, hang up and call our Customer Care Team directly at 800-482-1314.

All banking offices will be closed on Monday, October 12th, in observance of the federal holiday. Investments and Wealth Advisory offices will be open normal business hours. Mobile Banking, Online Banking and over 55,500 fee-free ATMs are available 24/7.

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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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
    • 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.

    Related Products

    More German American Bank products we think you'll like.

    • Mortgage

      Buy, build or refinance your mortgage with our expert team of lenders – and competitive mortgage rates – on your side.

    • Wealth Management

      Build wealth and keep it with financial advisement you can trust. Protect your financial future with a solid plan and an experienced financial planner.

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

    • Business Checking

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

    • 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.

    FAQs

    Your questions about opening a checking account, answered.

    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.