PERSONAL CHECKING
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
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
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)
- 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
Personal Loan Application |
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.
LOAN APPLICATIONS
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
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.
