Checking
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Reward Checking |
Free Checking |
Interest Checking |
Regular Checking |
Leaders Club Checking |
Health Savings Account |
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Minimum Balance |
No minimum balance requirement |
No minimum balance requirement |
$1000 daily minimum balance |
$400 daily minimum balance |
No minimum balance requirement |
No minimum balance |
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Transactions |
Unlimited transactions |
Unlimited transactions |
Unlimited transactions |
Unlimited transactions |
Unlimited transactions |
First six withdrawals per month are free |
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Requirements |
Minimum initial deposit - $100 Must have a direct deposit or ACH transaction Make at least 10 debit card transactions (excluding ATM transactions), and receive e-statements. |
No minimum initial deposit
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Minimum initial deposit - $1000 |
Minimum initial deposit - $400 |
Minimum initial deposit - $100 |
Minimum initial deposit - $100 |
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Interest |
Premium rate is paid on a two tier basis: $0 to $25,000 and $25,000 and over if requirements are met |
Interest earned when balance exceeds $1,000 |
Variable interest rate computed on daily balance and paid monthly |
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Fees |
No monthly fees |
No monthly service charge |
No monthly service charge ($10 per month if balance requirements are not met - waived for VIP members) |
$8.00/month if balance requirement not met (waived for VIP members and non-profits) |
$7.00/month, $10,000 AD&D policy, $9.00/month $20,000 policy |
No monthly fees |
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Benefits |
No Fee ATMs nationwide-if requirements are met Free online banking and bill pay |
MSB On-line Telephone Banking
Free check safekeeping |
MSB On-line Telephone Banking
Monthly statement with check images |
MSB On-line Telephone Banking
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FREE CheckCard
Safe deposit box discount |
First 50 checks FREE
Monthly statement with check images |
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To earn premium rate*, we ask you to:
Account also offers:
When requirements are not met:
Account continues to offer:
* Premium rate is paid on a two tier basis:
**ATM fees are refunded on the last day of the qualification cycle when all requirements are met.
***Fees waived for VIP customers. |
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*Fees waived for VIP customers, Senior Citizens and non-profit organizations.
Health Savings Accounts, or HSA's, were created by Congress to combat rising medical costs by providing an incentive for more consumers to pay "first dollar" medical expenses. An HSA is similar to an IRA account, but is designed exclusively for covering medical expenses by the account owner and his or her dependents. HSA's can provide significant tax benefits to eligible individuals. To see if you qualify for a Maquoketa State Bank Health Savings Account, and for more information, please contact our Customer Service Department.
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Equal Housing Lender