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Ultimate Green Ultimate Simple   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. 

  • 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 Relationship

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Our high interest bearing account. 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
  • Up to $250 Discount on Mortgage and Home Equity Closing Costs
  • Nationwide Surcharge Free ATM Access
  • 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 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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