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A bank must be responsible, accurate and trustworthy; but that’s not enough at McCook National Bank.  We also work hard to be warm and friendly and we’re truly interested in your needs. This is what makes us different. At McCook National Bank, you’ll always find a cup of hot coffee, a smile to warm your day, and people who will really listen to you. We believe that a bank should be more than just another stop to make in your day. We want to be a friend, a partner, and a part of your life that leaves you smiling. It’s a way of doing business that embraces the traditional small-town values we all cherish, and the progressive spirit that meets the challenges of the 21st century. We’re dedicated to providing you with exceptional financial services with a professional and friendly attitude. Come see how we make a difference!


Your Account

Everyone has a different goal in mind when deciding on a personal checking account. Some want to earn interest or access their account online, while others may want traditional features and services. Whatever you need from a checking account, MNB has the right account to fit your financial plan and lifestyle. Stop by any location and meet with one of our personal bankers to learn more. We will be happy to quickly answer any questions and help you open an account that fits your banking needs.

Express Checking

Carefree checking that's simple and easy.

  • A maintenance fee of $5.00 will be imposed every month
  • To avoid the maintenance fee sign up for Online Banking & eStatements


Classic Checking

For those who like to manage their finances traditionally and with ease.

  • A monthly maintenance fee of $5.00 will be imposed monthly if the balance in the account falls below $500 on any day of the month.
  • Maintain a minimum of $5,000 in combined loan and deposit balances to avoid the maintenance fee.
  • Monthly paper statement with check images
  • $10 one time rebate for signing up for eStatements
  • First 50 standard checks are free


Interest Checking

All the great features of traditional checking in an account that earns interest.

  • Earn interest on your checking account balance
  • A monthly maintenance fee of $6 will be imposed if the balance in the account falls below $1,000 on any day of the month
  • Monthly paper statement with check images
  • $10 one time rebate for signing up for eStatements


Heritage Checking

For customers 50+ who want the ease of traditional checking with added benefits.

  • Earn interest on your checking account balance
  • A monthly maintenance fee of $5.00 will be imposed if the balance in the account falls below $500 any day of the month
  • Maintain a $5,000 combined loan and deposit balance and avoid the monthly maintenance fee
  • Monthly paper statement with check images
  • $10 one time rebate for signing up for eStatements
  • Free standard checks


Premier Checking

All the financial services you need plus a wide range of personal benefits.

  • Earn interest on your checking account balance
  • No fee for cashier's checks and money orders
  • 20% discount on safe deposit box rental
  • 0.25% interest rate increase on an attached Assurance Savings Account (Max. balance of $25,000)
  • A monthly maintenance fee of $6.50 will be imposed if you are over the age of 50 you will receive a discount of $1.50.
  • Maintain a $50,000 minimum in combined loan and deposit balance to avoid the maintenance fee
  • Monthly paper statement with check images
  • Everyday Rebates Rewards: Send in a receipt(s) totaling $100 of purchases from your account each quarter to receive $10
  • Accidental Death Insurance
  • $10 one time rebate for signing up for eStatements
  • Free standard checks


Difference Makers

You won't find any asterisks or fine print here. All accounts come standard with these features at no extra charge.

  • Friendly and knowledgeable staff
  • MNB Visa® Check Card
  • 24-Hour Telephone Banking
  • 24-Hour Online Banking
  • 24-Hour Mobile Banking
  • 24-Hour Online BillPay
  • Access to our five ATM locations
  • One waived foreign ATM fee each month
  • Automated text and/or e-mail alerts
  • 0.25% discount on auto/personal loans with auto-pay from MNB checking
  • Free public notary service



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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.  A per-withdrawal fee of $.50 will be imposed for each withdrawal after the third withdrawal. 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




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 interest, 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)
  • 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

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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.

Personal Loan Application


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.

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Other Products & Services

Since opening our doors in 1907, McCook National Bank has remained locally owned, allowing us to make decisions that positively affect our community. We appreciate your business and hope you enjoy the advantages of banking with us.

Loan Services

  • Home Loans
  • Personal Loans
  • Agricultural
  • Commercial

Savings Accounts

  • Individual Retirement Accounts
  • Education IRA's
  • Certificates of Deposits
  • Sparky's Kids Club

Cashier's Checks
Foreign Currency Exchange
Money Orders
Night Deposit
Photocopies & Fax Services
Safe Deposit Box
Wire Transfer
Gift Cards


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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.




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.

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