Personal Checking

Our bank offers a wide selection of checking accounts that are designed to meet a host of needs. All checking account holders are entitled to apply for a Visa® Check Card.

We offer the convenience of check imaging. Your cancelled checks will be neatly sorted in check number order, ready to file. We also provide a convenient statement binder.

You may use our Bank by Phone, Credit Card Processor Services or MSB Online service for round-the-clock rate information, account information, balance inquiries and transfer services.

 

No matter what you are looking for, we are sure that we have a product that is tailor-made for your needs!
 
VALUE CHECKING ACCOUNT

For those who make few monthly transactions yet still need a basic checking account, Value Checking is a good match because of its very low monthly fee.

• Account may be opened with a deposit of $50 or more.
• A monthly maintenance fee of $2.50 will be charged each statement cycle. Ten checks or debits (including Visa® Check Card purchases) per month are allowed at no additional charge. A check fee of $.50 will be charged for each check, debit, or Visa Check Card purchase (excluding ATM withdrawals) in excess of ten during a statement cycle.
• Unlimited ATM withdrawals.

SENIOR CITIZEN REGULAR CHECKING ACCOUNT

This product is designed for individuals 62 years of age or older and offers all the conveniences of a regular checking account without a maintenance fee.

• Account may be opened with a deposit of $50 or more or by applying for direct deposit.
• There is no monthly maintenance fee.

REGULAR CHECKING ACCOUNT

This account is made to order for customers who need unlimited check writing and unlimited teller transactions. There is no monthly maintenance fee if your minimum balance requirement is met.

• Account may be opened with a deposit of $100 or more.
• If your balance falls below $500 on any day in the monthly statement cycle the maintenance fee is $10. However, this fee will not be imposed if you maintain an average monthly balance of $1,500 during the statement cycle.
• If your balance is at least $500 on every day in the monthly statement cycle but falls below $800 on any day during the monthly statement cycle, the maintenance fee is $5. This fee will not be imposed if you maintain an average monthly balance of $1,500 during the statement cycle.

CHECKING WITH INTEREST ACCOUNT

This is an interest bearing checking account that is designed for individuals who maintain over $1,000 in their account.

• Account may be opened with a deposit of $100 or more.
• No limit on number of transactions.
• The monthly maintenance fee of $10 is not imposed if you maintain either a minimum daily balance of $1,000 or a minimum average daily balance of $2,500.
• The interest rate may vary with changes in market conditions.

PACKAGE 55 PRODUCT

This is a special product designed to allow customers 55 years of age and older to make more money and save more money. This product consists of a Package 55 Checking With Interest Account (required), and may be combined with a Package 55 Savings Account and/or Package 55 Certificate of Deposit account (excluding Jumbo CDs and IRAs).

• The minimum opening deposit is $5,000 and the combined monthly balance requirement is $5,000. The combined average monthly balance may include the Checking With Interest Account, Package Savings Account and Package CDs.
• No monthly service charge.
• Unlimited free checks.
• Interest bonus of ¼ % on CDs (Jumbo CDs and IRA CDs excluded).
• A rental discount of $25 annually may be applied to one safe deposit box per Package 55 product. Safe deposit boxes are subject to availability.
• Free traveler’s checks, cashier’s checks and notary fees.
• Premium interest on savings.
• One combined monthly statement of your Package 55 account will simplify your monthly recordkeeping.
• The interest rate may vary with changes in market conditions.