Checking


personal_checking_chart

 

 

Reward Checking

 

Free Checking

 

Interest Checking

 

Regular Checking

 

Leaders Club Checking

 

Health Savings Account

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

Transactions

 

Unlimited transactions

 

Unlimited transactions

 

Unlimited transactions

 

Unlimited transactions

 

Unlimited transactions

 

First six withdrawals per month are free

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

 

 

Minimum initial deposit - $1000

 

Minimum initial deposit - $400

 

Minimum initial deposit - $100

 

Minimum initial deposit - $100

Interest

 

Premium rate is paid on a two tier basis: $.01 to $25,000 and $25,000.01 and over if requirements are met

     

Interest earned when balance exceeds $1,000

         

Variable interest rate computed on daily balance and paid monthly

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

Benefits

 

 ATM fees refunded nationwide-if requirements are met

MSB On-line Telephone Banking

Free online banking and bill pay

 

MSB On-line Telephone Banking



Free Online banking and bill pay

Free check safekeeping

 

MSB On-line Telephone Banking


FREE check safekeeping

Monthly statement with check images

Free online banking and bill pay

 

MSB On-line Telephone Banking


Monthly statement with check images

 

FREE CheckCard



$5 credit on box of checks annually

Safe deposit box discount

 

First 50 checks FREE



Free debit card

Monthly statement with check images

 

 

 

 

 

     

 

 

 

 

 

reward_checking

 To earn premium rate*, we ask you to:

  • Have One Direct Deposit or ACH Auto Debit posted and settled to your account per Qualification Cycle
  • Receive Your Monthly Statement Electronically
  • Have at Least 10 Check Card Transactions posted and settled to your account per Qualification Cycle (Excluding ATM Transactions)

Account also offers:

  • Free Check Card
  • ATM Fees Refunded Nationwide**
  • Free Online Banking and Bill Pay
  • No Minimum Balance Requirements or Monthly Fees
  • Unlimited transactions

When requirements are not met:

  • Interest is Earned at the Base Rate on Entire Balance

Account continues to offer:

  • Free Check Card
  • Free Online Banking and Bill Pay
  • No Minimum Balance Requirements or Monthly Fees
  • Unlimited Transactions

* Premium rate is paid on a two tier basis:

  • $.01 to $25,000
  • $25,000.01 and over

**ATM fees are refunded on the last day of the qualification cycle when all requirements are met.  ATM receipt must be presented for reimbursement of any individual ATM fee of $5 or higher.
***Qualifying transactions must post to the account during the monthly qualification cycle.  Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made.  Intra-bank transfers do not count as qualifying ACH transactions.  The qualification cycle is the period beginning one day prior to the current statement through one day prior to the close of the current statement.

free_checking

  • No Minimum Monthly Balance Required
  • Unlimited Transactions – Write All The Checks You’d Like
  • Check Images Are Available Online Only
  • Unlimited CheckCard Transactions, ATM Withdrawals and Automatic Transfers
  • Free Internet/Telephone Banking
  • Free Internet Bill Pay Service

  • No Monthly Fees With a $1000 Minimum Daily Balance (Otherwise $10.00 per month)***
  • Earn Interest When Your Account Balance Exceeds $1000
  • Check Images Are Returned with Monthly Statement
  • Unlimited Transactions – Write All the Checks You’d like
  • Unlimited CheckCard Transactions, ATM Withdrawals and Automatic Transfers
  • Free Internet/Telephone Banking
  • Free Internet Bill Pay Service

***Fees waived for VIP customers.



 

 

regular_checking_header

  • No Monthly Fees With a $400 Minimum Daily Balance (Otherwise $8.00 per Month)*
  • Check Images Are Returned With Monthly Statement
  • Unlimited Transactions – Write All the Checks You’d Like
  • Unlimited CheckCard Transactions, ATM Withdrawals and Automatic Transfers
  • Free Internet/Telephone Banking
  • Free Internet Bill Pay Service
  • Free Notary Service

 

leaders_club_checking

  • Accidental death insurance is included at a cost of $7.00 per month for a $10,000 policy or $9.00 per month for a $20,000 policy – you choose the coverage you need.
  • Unlimited Transactions – Write All the Checks You’d Like
  • Unlimited CheckCard Transactions, ATM Withdrawals and Automatic Transfers
  • Check Images Are Returned with Monthly Statement
  • Free Internet/Telephone Banking
  • Free Internet Bill Pay Service
  • Free Travelers Cheques and Cashier’s Checks
  • $5.00 Credit on Each Box of Checks (150 count)
  • Free Notary Service
  • Quarterly Newsletter
  • Discounts on Safety Deposit Boxes and Visa Gift Cards
  • Opportunities for Group Travel, Social Activities and Financial Seminars

*Fees waived for VIP customers, Senior Citizens and non-profit organizations.

hsa_header

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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