McHenry-Savings-Bank
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Personal Checking

Personal
Accounts
Graduate
Checking
Choice
Checking
Classic
Checking
Prime Time 50
Checking
Money Market
Best if you are… Designed for all graduates. Must enroll in eBanking and eStatements. Flexible account designed to meet the needs of customers who are on the go or maintain higher balances. Must enroll in eBanking and eStatements. Designed for the traditional account user who likes to receive paper statements. Designed for customers who are age 50 or better. Interest bearing checking that allows customer to accumulate funds.
Minimum balance to open $25 $100 $100 $100 $1,000
Minimum balance to avoid service charge SEE BELOW SEE BELOW $400 $100 $1,000 Minimum daily balance
Monthly service charge FREE for 48 months FREE if 8 debit card transactions, receive eStatements and log onto MSB Personal website once per month OR $5,000 relationship balance and log onto MSB Personal website once per month otherwise $8.00 $6.00 fee balance <$100
$5.00 fee balance <$200
$3.50 fee for balance <$400
FREE for balance <$400
FREE for monthly balance of $100 or more otherwise $5.00 for balance below $100 $11
Fee for each check or money order paid UNLIMITED UNLIMITED UNLIMITED UNLIMITED LIMITED- Per Statement Six debits including checks, automatic or preauthorized transfer or payments – UNLIMITED deposits
Fee for each deposit
Fee for ACH credit
Fee for each item deposited
Minimum balance to earn interest N/A N/A N/A $1,000 $1,000
Earns interest/Tiers1 N/A N/A N/A Tiered based on balances Tiered based on balances
Account comes with:

FREE MOBILE APP to see your balances and that includes Remote Check Deposit; Transfers; and Bill Pay.
FREE first order of single copy starter checks; eBanking: bill pay; transfers; Five (5) FREE foreign ATM transactions; eStatements with check imaging; update/manage contact information; Personal Finance Manager and One (1) Debit Card per Signer FREE first order of single copy starter checks; eBanking: bill pay; transfers; Four (4) FREE NSF fees (one per quarter); eStatements with check imaging; update/manage contact information; eBanking Alert set-up; Personal Finance Manager and One (1) Debit Card per Signer FREE first order of single copy starter checks; eBanking: bill pay; transfers; eStatements with check imaging or paper statements; update/manage contact information; eBanking Alert set-up; Personal Finance Manager and One (1) Debit Card per Signer FREE first order of single copy starter checks; FREE telephone transfers, notary services, signature guarantee and photo copies; eBanking: bill pay; transfers; eStatements with check imaging or paper statements; update/manage contact information; eBanking Alert set-up; Personal Finance Manager and One (1) Debit Card per Signer eStatements with check imaging
Additional Personal Services Which May Have Associated Fees
Personalized Customer Service
Health Savings Account
Home Equity Line of Credit
Christmas Club Savings
Consumer Loans
Minor Savings
Mortgage Loans
Certificates of Deposit
Account Sweep
License Stickers
Wire Transfer
Stamps

1. Ask a Customer Service Representative for the deposit rate sheet for current rates, tiers and terms.

Information correct as of 8/1/2017, subject to change.




  • Image link to our locations page.
  • Image link to our financial calculators page.
  • Image link to our Choice Checking page.
  • Image link to our safe deposit page.
  • Image link to our Health Savings Account page.