Personal Checking

At Merchants National Bank we have several checking account options to choose from. Our accounts are designed to meet the needs of our customers and their banking preferences.

 

We promise to deliver REAL customer service to each and every customer! Compare the features of our accounts and stop by your nearest Merchants National Bank office to discuss your financial needs and open your account today!

All Personal Checking accounts at MNB come with the following benefits:

  • Free Online Banking
  • Free Telephone Banking
  • Unlimited Debit Card Transactions1
  • Unlimited withdrawals at MNB ATMs1
  • Unlimited Check Writing
  • Monthly Statements
  • Direct Deposit Available
  • Online Bill Pay Available2
  • Overdraft Protection options available7
  • Free Fraud Protection options available

Personal Checking Comparison

Feature MNBfreePrimetimeSuper NOW
Interest No Yes Yes
Minimum Balance Requirement No $100 $1,000
Monthly Service Fee No $53 $103

Overdraft Protection Options Available

Yes

Yes

Yes

Online Banking

Yes - no fee

Yes - no fee

Yes - no fee

 Telephone Banking

Yes - no fee 

Yes - no fee  

Yes - no fee  

 Debit Card

Yes - unlimited 

Yes - unlimited  

 Yes - unlimited 

 Monthly Statement

Yes

Yes

Yes

 Check Writing

Unlimited

Unlimited

Unlimited

 ATM

Unlimited at MNB ATMs for no fee

Unlimited at MNB ATMs for no fee

Unlimited at MNB ATMs for no fee

Check Orders Customer Purchases First Order Free4 Customer Purchases

Online BillPay

Yes - fees may apply

Yes - fees may apply

Yes - fees may apply

Added Value N/A
  • Cashiers Checks - No issue fee
  • Preferred CD Rates5
  • Installment Loan Discounts
  • Free Notary Service
  • Discount Travel Service
  • Sojourns Travel Magazine
  • Safe Deposit Box Rental Discount
  • Credit Card Protection
  • Visa - No Annual Fee6
 N/A

Minimum to Open

$100

$100

$100

1 Subject to daily dollar limits
2 Fees may apply
3 If balance falls below minimum balance requirement
4 Customer responsible for check orders after first order
5 Excludes specials
6 Upon qualification

A checking or savings account without activity (other than posting of interest) for a period of two (2) years will be classified as a dormant account. Dormant accounts will be charged $5.00 per month.

 

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