Personal Checking - Personal Savings
- Personal Loans
- Mortgage Loan Programs
- Loan Applications
- Other Services
- Convenience Features
PERSONAL CHECKING
Relationship Feature
Maintain a $3,500 balance in combined deposit and loan relationships with MNB and we'll waive the monthly maintenance fee on your Basic and Freedom 50 checking accounts.
Free Checking
Simply interested in free checking? If earning interest isn't high on your priority list and you want to avoid keeping a minimum balance, Free Checking is for you.
- No minimum balance
- No monthly maintenance fee
- First order of 50 duplicate checks free
- 24/7 Account Access with Internet Banking
- Free check safekeeping - Access to check images online
Basic Checking
Sometimes all you want is the basics. When you're looking for simple checking with around-the-clock access to your account, Basic Checking is the way to go.
- No monthly maintenance fee with $400 monthly balance or $3,500 balance in combined deposit and loan relationships
- Write up to 25 checks at no charge
- Write unlimited number of checks if minimum balance of $400 is maintained
- Unlimited electronic transactions
- 24/7 Account Access with Internet Banking
Pay As You Check (PAYC)
If you are looking for the ability to just write a few checks each month, use PAYC for low transactions.
- $.50 per month maintenance fee/$.10 per check written
- Unlimited electronic transactions
- 24/7 Account Access with Internet Banking
The Club Account
You don't want just a checking account; you want extras! If extra benefits are important, in addition to a great checking account, look no further than the Club.
- $5.50 per month membership fee
- No minimum balance
- Monthly maintenance fee based on selected insurance coverage
- 24/7 Account Access
- FREE standard Club checks
- FREE Cashier's Checks and up to three Money Orders at no issue charge
- FREE Notary Service
- Everyday Rebates®
- Unlimited electronic transactions
Freedom 50
You've reached that age where you deserve some extras! When you want great checking features, additional benefits and 24-hour access to your account, Freedom 50 is for you.
- No monthly maintenance fee with $400 minimum daily balance or $3500 balance in combined deposit and loan relationships
- Interest bearing when balance is $1,000 or above
- Unlimited electronic transactions
- 24/7 Account Access
- FREE standard Freedom 50 checks, and up to three Money Orders
- FREE Notary Service
- $100,000 in Common Carrier Insurance
- Savers Club® Discount Book
Freedom 50 Plus
The reasons for turning 50 just got better! We've taken our Freedom 50 account and added even more value to it! Earn interest and even more extras with Freedom 50 Plus.
- All the benefits of Freedom 50!
- Additional membership benefits for only $5.00 per month
- No need to maintain a minimum balance
- Earn 1/8% higher rate of interest than our regular NOW account
- FREE Cashier's Checks
- Everyday Rebates®
- $10,000 in Accidental Death Insurance
- $150,000 in Common Carrier Insurance
NOW Checking
You want it all! Enjoy the privileges of a checking account, plus receive interest! If maintaining a $1000 minimum balance isn't an issue, a NOW account is the answer.
- No maintenance fee with $1000 minimum balance
- Interest earned on the collected account balance, compounded monthly
- 24/7 Account Access
Money Market Checking
The higher the deposit, the higher the interest rate! If you'd like the potential for a higher interest rate based on a larger deposit, a Money Market Account is your reward.
- No maintenance fee with $1000 minimum balance
- Interest earned on the collected account balance, compounded weekly
- Potential for higher interest rates based on your balance
- Six withdrawals per statement cycle
- 24/7 Account Access
- Interest rates are tiered as follows:
- Less than $25,000
- $25,000 - $99,999
- $100,000 - $499,999
- $500,000 and over
FDIC’s Transaction Account Guarantee Program Disclosure
McCook National Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31st, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules."
MNB Flexible Protection Plans
Easy, convenient, and designed to save you money, these plans protect you from overdraft charges. Whether you forgot to write a check in your register, had a business place a hold on your account using your debit card, or simply had to make an unexpected purchase today, these plans are here to make sure you are covered!
Assurance Savings Plan
The Assurance Savings Plan is ideal for customers that have funds in a Savings Account and would prefer to earn interest, rather than pay interest. A transfer is made automatically from your MNB Savings Account to provide funds as you need them. This service is free, as long as the Savings Account balance does not fall below $1,000.00. Otherwise, $2.50 each month the minimum is not maintained. These transfers will be made in increments of $100.00
Assurance Credit Plan
With the Assurance Credit Plan, funds advance automatically from your MNB Assurance Line of Credit to provide funds as you need them. There is an annual fee of $30.00 as well as 18% APR (Annual Percentage Rate) interest charged on all advanced funds beginning on the date of the advance. These advances will take place in increments of $300.00 until all available funds are advanced.
Assurance Transfer Plan
With the Assurance Transfer Plan, a transfer is made automatically from the attached account, to provide funds as you need them (i.e. a different checking account). These transfers are $1.00 per automatic transfer, as well as the regular fees for that account type. These transfers will be made in increments of $100.00
PERSONAL SAVINGS
Regular Savings
The core component of any financial portfolio is a savings account. When you want the flexibility to easily add and withdraw funds, while earning intereest, a Regular Savings account is the ideal account.
- A low initial deposit is required
- Competitive interest rate
- Make unlimited deposits to your account at any time
Certificates of Deposit (CDs)
Maximize your earnings securely, with the flexibility to pick your own term! If you want a guaranteed, rewarding return on your investment, CDs are the ticket.
- Choice of terms ranging from 32 days to 5 years
- CDs may be opened for as little as $500 ($250 on selected term)
- A higher interest rate may be paid with $15,000 or more on selected terms
- Interest is added to the CD quarterly
- Interest paid by check or can be credited to another account monthly, quarterly, or at CD maturity (some restrictions may apply)
- Early withdrawals may be assessed a penalty
PERSONAL LOANS
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Personal Loans - Applications |
McCook National Bank offers a variety of loan programs available for home improvements, buying your next vehicle, paying off high-interest rate credit cards or taking your dream vacation. The choice is yours, and we can help.
Home Equity Line of Credit
Use the equity in your home for virtually anything you want. You can buy a car, take a vacation or pay college expenses; the possibilities are endless. Flexibility is the key to this loan. Borrow, pay down, and borrow again as your needs arise.
Fixed Rate Home Equity Loan
If you're looking for the security of a fixed rate with a simple, regular monthly payment, our Fixed Rate Home Equity Loan can be used for all the same reasons as a home equity line of credit.
Auto Loans
We make the process of buying your new or pre-owned vehicle simple. Whether it’s buying or refinancing, contact MNB for quick, no-hassle approvals and competitive low rates.
Vacation Loans
Are you in need of a much-deserved vacation? MNB can help finance your dream vacation with a low-rate Vacation Loan.
Personal Loans
MNB offers secured and unsecured personal loan options for any relatively small or unexpected purchase you need to make.
Home Improvement Loans
Build your deck, update your bathroom or renovate your kitchen without breaking your budget. MNB’s Home Improvement Loans offer you the low-cost financing you need.
MORTGAGE LOAN PROGRAMS
No matter what your goals may be, McCook National Bank offers a variety of lending solutions that can be tailored to meet your individual needs. We are the leader in real estate lending!
Conventional Fixed Rate Mortgage
Fixed rate mortgages offer the same interest rate, monthly principal and interest payment throughout the entire term of the loan. That means you're protected from rising interest rates and can enjoy predictable payments.
USDA Rural Development (RD) Mortgage Loan
RD loans are an excellent fixed rate loan for those who have little or no down payment. This loan is often used in conjunction with down payment assistance programs to allow you to be in your new home for as little as $500.00.
VA Mortgage
This type of mortgage provides the opportunity to buy a home up to a specified amount with no down payment and is assumable. These loans are administered by the Department of Veteran Affairs and are fixed rate.
Construction Loan
Whether building your new home or improving your present home, this program allows MNB to finance the project with interest only payments during the construction phase. The line of credit feature allows you to borrow only what you need, when you need it, saving you interest cost that can be used to do that little something extra you wanted to add.
Nebraska Energy Loan
Are you looking to cut those high heating and cooling costs? This is the perfect loan for you. Your approved energy improvement can be financed with a low fixed rate loan for up to 10 years. Improvements include items such as a furnace, air conditioning, windows, insulation, and numerous other energy saving improvements.
LOAN APPLICATIONS
OTHER SERVICES
Since opening our doors in 1907, MNB has remained locally owned, allowing us to make decisions that affect you right here at home. We appreciate your business and hope you appreciate the advantages of banking with MNB.
Ask about these other services we offer!
- Savings Accounts
- Individual Retirement Accounts - Traditional & Roth IRAs
- Education IRAs
- Certificates of Deposit
- Cashier's Checks and Money Orders
- Foreign Currency Exchange
- Savings Bonds
- Night Deposit
- Photo Copies and Fax Service
- Safe Deposit Box
- Visa Gift Cards
- Wire Transfer
CONVENIENCE SERVICES
With today's fast-paced, demanding lifestyles, we understand that not everyone has time to stop by the bank. That's exactly why McCook National Bank offers so many ways for you to manage your money. Our convenience banking services are easy to use and available 24-hours a day.
Visa® Check Card
It looks like a credit card, but it works like a check, saving you the hassles of writing checks and providing identification. You can use your MNB VISA Check Card at any VISA merchant or VISA/PLUS Network ATM location, or at any financial location displaying the VISA symbol nationwide. It also works as an ATM card, so you can get cash, transfer funds between accounts and check your balance 24/7. Every transaction is fully detailed on your monthly account statement and through Internet Banking.
*** TO REPORT A LOST/STOLEN CHECK CARD, PLEASE CALL 1-800-554-8969. ***
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Automatic Transfer of Funds
This convenient service can automatically deduct from your checking account the amount of any preauthorized payments you specify, such as your mortgage payment. Automatic Transfer of Funds can also transfer money between your checking accounts and savings accounts as per your instructions. Once in place, you'll have peace of mind knowing your preauthorized bills will be paid automatically on time!
MNB Access 24
24-hour customer service is now only one phone call away, thanks to MNB Access 24. By using a touch-tone phone and personal identification number, you can inquire about your checking or savings accounts, transfer funds, and more! MNB Access 24 offers accurate, confidential, round-the-clock banking information seven days a week. For a free, personal demonstration, please stop by one of our branch locations.