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Personal Checking 

All checking accounts include a debit card of your choice, access to Online Banking & Bill-Pay, eStatements (optional, but recommended for security), and ATMs available in Monticello (5), Warren (2), Hermitage, and Hampton


Unlimited Checking

Budget Account

  • No minimum balance requirement
  • $0.25 per check, substitue check withdrawal; no charge for withdrawals by debit card & ACH (foreign ATM fees apply for non-Commercial Bank ATMs)

Unlimited Checking with Benefits 

Classic 50 

(for those age 50+)

  • No minimum balance requirement
  • No monthly maintenance charge
  • Free Checks
  • Free Notary Service
  • No issue charge for Money Orders
  • No issue charge for Cashier’s Checks

Interest-bearing Unlimited Checking

NOW Account

  • $500 minimum balance requirement
  • Interest-bearing account
  • $10 monthly service fee and 0% APR if minimum balance is breached

Limited Checking Accounts

SUPER NOW

  • 6 free withdrawals per statement cycle, then $1 each
  • $1,000 minimum balance requirement
  • Interest-bearing account
  • $15 monthly service fee and 0% APR if minimum balance is breached

Rise Money Market

  • 6 free withdrawals per statement cycle, then $5 each
  • $25,000 minimum balance requirement to earn interest with tiers:
    • $25,000 - $99,999.99 pays 3.00% APY
    • $100,000 - $499,999.99 pays 4.00% APY
    • $500,000+ pays 4.30% APY
  • $15 monthly service fee if minimum balance requirement not maintained

This limited-activity account has interest rate tiers that is designed to ‘rise’ as account balances grow.  It’s a great place to ‘park’ savings and transfer into business or personal accounts as needed. It is not eligible for financial institutions or public entities seeking deposit collateralization.

 

CONTACT US

MAIN BANK
870-367-6221

24-HOUR BANK LINE
870-367-BANK (2265)


Report Lost/Stolen Debit/ATM Card:

Business Hours: 870.367.6221

After Hours: 800.500.1044

FDIC and Equal Housing Lender

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