MB Personal Checking Accounts Comparison Chart
Accounts & Features Free Checking Electronic Checking Interest Checking 49 Plus Checking Relationship Checking
Which checking account is right for you? Designed for the person who wants unlimited check writing with no minimum balance requirement. Designed for the person who wants no minimum balance requirement and enjoys online banking with minimal check writing. Designed for the person who maintains a higher monthly balance, wants interest, and has the ability to write checks or pay bills online. Designed for those who are age 49 or over who wants interest, unlimited check writing, and no monthly fee. Designed for the person who maintains higher account balances, wants interest with unlimited check writing, and bill pay.
Balance Required To Waive Monthly Fee None None $1000 None

Average balance of $5,000 in checking or combined average balance of $10,000 in total deposits (excludes CDs and IRAs) or combined balance of $20,000 in total deposits and loans (excludes CDs, IRAs, and residential mortgages).
Monthly Fee None No monthly fee with electronic statement. Otherwise $10.00. No monthly fee if you maintain the above balance requirement. Otherwise $10. No monthly fee with direct deposit. Otherwise $10. No monthly fee if you maintain one of the above balance requirements. Otherwise $25.
Pays Interest No No Yes. Tiered interest rates that may increase with account balance. Yes. Tiered interest rates that may increase with account balance. Yes. Tiered interest rates that may increase with account balance.
Merchants Bank ATM FREE ATM access at any Merchants Bank ATM.
Other Bank's ATM (Other than Merchants Bank) $1.00 per foreign transaction. Charged at end of statement cycle. No Merchants Bank charge. $1.00 per foreign transaction if average monthly balance falls below $2,500. Charged at end of statement cycle. First three transactions FREE per statement cycle. $1.00 charge per foreign transaction thereafter. Charged at end of statement cycle. No Merchants Bank charge.
Transactions conducted at non-Merchants Bank ATMs may be subject to additional fees imposed by the institution that owns the terminal.
Checks and Transactions FREE unlimited check writing. After first 5, per statement cycle, $0.50 per check. FREE unlimited check writing. FREE unlimited check writing. One FREE order of basic checks every 12 months. FREE unlimited check writing. One FREE order of basic checks every 12 months.
Bill Pay with Online Banking FREE Online Banking. FREE Bill Pay first three months. ($4.95 per month thereafter.) FREE Online Banking. FREE - Unlimited Bill Payments. FREE Online Banking. FREE - up to 10 Bill Payments per statement cycle. $0.50 per Bill Pay transaction thereafter. FREE Online Banking. FREE - up to 10 Bill Payments per statement cycle. $0.50 per Bill Pay transaction thereafter. FREE Online Banking. FREE - Unlimited Bill Payments.
Additional Features and Services Minimum $25 deposit required to open. Copies of checks for customer view available online. Minimum $25 deposit required to open. Electronic Statement. Minimum $25 deposit required to open. Minimum $25 deposit required to open. First year FREE on standard safe deposit box rental or discount on larger box. 25% discount annually thereafter. No fees for overdraft transaction from a deposit account. Minimum $25 deposit required to open. First year FREE on standard safe deposit box rental or discount on larger box. 25% discount annually thereafter. No fees for overdraft transaction from a deposit account.
Combined statements available.
Savings, Overdraft Line of Credit (subject to credit approval), Overdraft Protection.
No Cost, No Obligation personal financial analysis conducted by a MNB Investment Services professional.
Savings Products: Statement Savings, Club Accounts with autodraft, Super Money Market Accounts, Certificates of Deposit, and IRA Accounts.
Variety of Loan Products including Personal, Auto, Home Equity Lines of Credit, and Mortgages (subject to credit approval).