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Ultimate Green Ultimate Simple Ultimate Benefits Ultimate Relationship Health Savings

No matter how you prefer to bank, you need flexibility and access to your funds. We offer a variety of Ultimate Personal checking accounts that provide the perfect home for your hard-earned money. Whether you are looking for an account with online access, an interest bearing account or something with additional benefits, Machias Savings bank has the perfect solution for you!


Ultimate Green
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Our Ultimate Green is an interest-bearing personal checking account that rewards you for eliminating paper and making environmentally friendly choices! By simply meeting the rewards criteria each month, you can enjoy free green rewards. You may add membership benefits for a low monthly membership fee of $5.95.

  • Nationwide Surcharge Free ATM Access*
  • Earn Higher Interest on balances under $10,000*
  • Monthly eStatement
  • No Minimum Balance, No Monthly Fee**
  • Free MSB Online Banking
  • Free MSB BillPay

Monthly Rewards Criteria

*In order to receive the monthly green rewards, you must meet the following criteria each month:

  • Account must be enabled to receive an eStatement.**
  • Perform 10 or more posted POS debit card transactions each month. (ATM withdrawals do not count)
  • Log in to MSB Online a minimum of one time each month.
  • Have at least one direct deposit or direct debit per month (ACH)

* To qualify for free ATM access nationwide, you must meet the monthly criteria. When all four of these requirements are met, ATM surcharges will be refunded for that month. To receive the higher interest rate, you must meet the monthly criteria. If your balance exceeds $10,000 a lower interest rate will apply to the entire balance.

** Must enroll and maintain paperless statements, MSB eStatements, within 30 days of checking account enrollment. If not, an $8 monthly fee will apply.

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Ultimate Simple

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Non-interest bearing with a minimum open deposit of $100 required. Must maintain balance of $250 during statement period to avoid the $7 service charge.

Ultimate Benefits

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Our interest bearing account that offers all the benefits from our Ultimate Package, such as Identity Theft Protection, Health Discounts, Everyday Savings with Cash Back and Online Savings and more. $100 minimum open deposit required, no minimum balance required. $5.95 per month membership fee.

Ultimate Relationship

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Our high interest bearing account that offers additional financial benefits including the Ultimate Package. Maintain a combined deposit balance of $10,000* or more in eligible accounts with related ownership and receive the following financial and convenience advantages. *Service charge of $10 per statement period is waived if the $10,000 combined balance is maintained.

Financial Advantages

  • Interest on Checking
  • Unlimited Check Writing
  • No Fee MSB Visa Check Card
  • $250 Discount on Mortgage Closing Costs
  • .10% Higher Rates on Certificates of Deposit
  • FDIC Insured

Convenience Advantages

  • MSB Telebanker
  • Receive Discounts by Using Our Automatic Transfer Payment Option
  • Use a combined deposit balance of $10,000 or more with a variety of deposit accounts
  • Free Travelers Checks, Treasurer Checks and Money Orders
  • Check Imaging
  • Direct Deposit of Government and Payroll Checks
  • Receive Monthly Checking Account Statement
  • Transfers Available Through TeleBanker

Health Savings Account (HSA) Rate Information Re-order Checks

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A Health Savings Account is a tax favored consumer savings arrangement for individuals covered by high deductible health insurance premiums.

  • Tax-free*
  • Interest bearing
  • FDIC insured
  • MSB Visa Check Card
  • Monthly statement
  • No monthly fee if minimum balance is maintained
  • Allows you to save for future medical expenses
  • You control the funds in your HSA

    *Nonqualified uses of Health Savings Accounts are subject to taxation and penalties. Excess contribution amounts are not deductible and may be subject to tax penalties. Consult your tax advisor for more information.
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