Personal Checking

Checking Accounts

Checking accounts give you flexibility and access to your funds. We offer a variety of checking accounts to meet your financial needs. Whether you are looking for a no fee, basic account, or an interest bearing account full of benefits, we have a checking account for you.

Ultimate Green Checking  New!    Apply Now  Rate Information

Click here to visit our Education Center and learn more.

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 First $10,000*
• Monthly e-Statement
• 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:

• Receive monthly e-Statements on the account.
• Perform 10 or more 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)

This account can only be opened online. 

Ultimate Checking  Apply Now

No monthly fee, no minimum balance required, and unlimited check writing privileges. Check images are not returned.

Ultimate Plus   Apply Now  Rate Information

An interest-bearing personal checking account which includes membership benefits for a low monthly membership fee of $4. 

Access Benefits   Upgrade to Ultimate Plus

Financial Advantages

• Travelers Checks and Money Orders
• $50 Discount on Mortgage Closing Costs
• No Minimum Balance Required
• VISA® Check Card With No Fee
• Unlimited Check Writing
• Interest on Checking
• Member Checks at no cost
• Discount on Consumer Loans
• All for Only a $4 Monthly Membership Fee
• Coast to Coast Vision Plan
• Rx Advantage Prescription Drug Program
• FDIC Insured

Security Advantages

• $10,000 24-Hour Accidental Death Insurance
• $2,500 Identity Theft Insurance with Fraud Assistance
• Luggage Protection
• Key Ring Protection

Convenience Advantages

• Direct Deposit of Social Security and Payroll Checks

Travel Advantages

• Companion Airfare
• Car Rental Discounts
• Savers Club®
• Sojourns® Magazine Subscription

Ultimate Ten  Apply Now  Rate Information

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

• Member Checks at no cost
• Interest on Checking
• Unlimited Check Writing
• No Fee MSB Visa Check Card
• $250 Discount on Mortgage Closing Costs
• 1/4% Higher Rates on Certificates of Deposit
• No Closing Costs for Home Equity Loan
• 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

Ultimate Ten Plus   Apply Now  Rate Information

Maintain a combined deposit balance of $10,000* or more in eligible accounts with related ownership and receive the benefits of the Ultimate Ten and the Ultimate Plus for a low monthly membership fee of $4.
*Service charge of $10 per statement period is waived if the $10,000 combined balance is maintained.

Access Benefits  Upgrade to Ultimate Ten Plus

Financial Advantages

• Interest on Checking
• Member Checks at no cost
• VISA® Check Card With No Fee
• Unlimited Checking
• ¼% Higher Rates on Certificates of Deposit
• Free Travelers Checks, Treasurer Checks and Money Orders
• $250 Discount on Mortgage Closing Costs
• Combined Deposit Accounts
• No Closing Costs for Home Equity Loan
• Coast To Coast Vision Plan
• Rx AdvantageTM Prescription Drug Program

Security Advantages

• $10,000 24-Hour Accidental Death Insurance
• $2,500 Identity Theft Insurance with Fraud Assistance
• Luggage Protection
• Key Ring Protection

Convenience Advantages

• Direct Deposit of Social Security and Payroll Checks
• Imaged Checks
• MSB TeleBanker
• Checking Account Statement
• Transfers Available
• Automatic Transfer Payment Option Discounts

Travel Advantages

• Companion Airfare
• Car Rental Discounts
• Savers Club®
• Sojourns® Magazine Subscription
  

Health Savings Account (HSA)   Rate Information

Click here to visit our Education Center and learn more.

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.