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Checking Accounts

What's important to you in a checking account? Convenience? Personal service? Online access? Well, we have it! No matter what you want in an account, we have one designed to meet your needs. Let us know what's important to you and we'll deliver.

REWARDChecking
Meet REWARDChecking’s monthly qualifications and receive:
  • 1.06% APY (Annual Percentage Yield) on balances up to $15,000 (0.10% APY on the portion of your balance over $15,000) effective as of 6/17/2020
  • Nationwide ATM fee refunds up to $5.00 per transaction, $10 per statement cycle on your REWARDChecking account
Additional Information
Simple Checking
  • Minimum opening deposit - $100
  • No minimum balance required
  • No Service Charge with eStatements. Receipt of paper statement will incur a monthly fee of $3.00.
  • Unlimited transactions
  • Unlimited free ATM withdrawals at all MBC ATM locations
Additional Information
Value Checking
  • Minimum opening deposit - $100
    • Senior Citizens (65 & over) are exempt from minimum opening deposit.
  • No service charge with a balance of at least $500
  • Service charge - $6 per month, if balance falls below $500
    • Senior Citizens (65 & over) are exempt from service charge.
Additional Information
Interest Checking
  • Interest rate: tiered and variable
  • Minimum opening deposit - $100
  • No service charge with a balance of at least $1,000
  • Service charge - $8 per month, if balance falls below $1,000
  • Unlimited transactions
Additional Information
Club50 Checking
  • Only individuals 50 and over are eligible for this account
  • Interest rate: tiered and variable
  • Minimum opening deposit - $100
  • Unlimited transactions
Additional Information






















No Bounce Advantage™

No one wants to face the embarrassment or humiliation of having a check returned due to insufficient funds. Now with No Bounce Advantage™ you won't have to! No Bounce Advantage™ can serve as your personal safety net for those times you run a little short of cash in your checking account.


Here's How It Works:

As long as you maintain your account in good standing (defined as making regular deposits and bringing your checking account to a positive balance at least once every 30 days for a 24-hour period), we may honor overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means (if you have opted-in to the payment of overdrafts created by ATM withdrawal or other electronic means) up to your pre-determined No Bounce Advantage™ limit. If you use No Bounce Advantage™, you should remember the bank’s normal overdraft item charge for each transaction is $35.00. All credit transactions are processed first. Debits or withdrawals from your account will be processed from the lowest dollar amount to the highest dollar amount. As in the past, the bank will notify you by mail when an overdraft occurs. No interest will be charged on the overdraft balance.


Know Your Limits:

Overdrafts above and beyond your established No Bounce Advantage™ limit may result in a check or checks being returned to the payee. The normal overdraft (NSF=Non-Sufficient Funds) item charge will be charged per check, in-person withdrawal, ATM withdrawal, or other electronic means (if you have opted-in to the payment of overdrafts created by ATM withdrawal or other electronic means) and assessed to your account. An overdraft notice will be sent to notify you of our actions.

Call 606-348-8411 for more information.

BANKLine

Our telephone banking service, BANKLine, is available 24/7 for access to account information, such as balance and transaction history. BANKLine is available with all of our checking, savings and loan accounts.

Local: 606-348-7788
Toll Free: 888-399-0976