Checking Accounts

Compare Your Checking Account Options

Each Marion County Bank checking account includes the following benefits:

• Free debit card or ATM card
• Free online banking and bill pay
• eStatements
• Bill pay
• Mobile banking and telebanking
• Unlimited check writing
• Check images included for free on all eStatements and paper statements

Account*	E-Z FREE	NOW	BANK CLUB	HARVEST CLUB Exclusively for those 50 and over	GOLDEN HARVEST CLUB Exclusively for those 50 and over
"I want to..."	Use my debit card and receive eStatements	Earn Interest	Have the account with everything	Write checks and earn interest	Have the account with all the bells and whistles
Monthly Statement	Free eStatement	Free printed or eStatement	Free printed or eStatement	Free printed or eStatement	Free printed or eStatement
Personalized Checks	Free 1st Order**	Free 1st Order**	Free**	Free**	Free**
Interest Earning		Yes		Yes	Yes
Club Benefits			Included, see below		Included, see below
How to avoid monthly service fee	Sign up for eStatements. Printed Statements are available at $2.00 per statement cycle	Keep a minimum balance of $100; otherwise $8.00 per statement cycle	There is a $6.00 monthly membership fee for the Bank Club Account	Keep a minimum balance of $100; otherwise $8.00 per statement cycle	There is a $4.00 monthly membership fee for the Golden Harvest Club Account

Club Benefits - Our Bank Club and Golden Harvest Club accounts offer free Cashiers Checks, Accidental Death & Dismemberment Insurance***, Cell Phone Protection***, 50% off Stop Payments, Travel and Leisure Discounts (available online only) and Discounted Adventureland Tickets.

 *All accounts opened for a minor require an adult joint owner on the account.
**Free checks include single checks only. Orders for duplicate checks will receive a $7.00 discount.
***The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate. 

checking Account Disclosures

Now Checking Account

Minimum deposit to open account is $100.00. Free printed monthly statements or eStatement. A minimum balance fee of $8.00* will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle.

harvest CLUB account

Must be age 50 or over. Minimum deposit to open account is $100.00.

GOLDEN harvest CLUB account

Must be age 50 or over. No minimum balance to open the account. Free personalized checks and free printed monthly statements or eStatement.  Free Cashier’s Checks, insurance benefits and reduced stop payment fee.  A membership fee of $4.00* will be charged each statement cycle.

premier relationship banking account

Please see a Customer Service Representative for the exclusive account privileges associated with the Premier Relationship Banking Account.
Account qualifications are required to open and maintain a Premier Banking Relationship Banking Account. Balance qualifications are monitored semi-annually and if minimum stated balance is not maintained, the customer will be notified, and the account will be converted to a non-interest bearing, no minimum balance EZ Free Checking Account. Fees for domestic wire transfers and cashier’s checks will also then be charged according to Bank Fee Schedule. Internet banking, online bill pay and debit card will remain free.

Frequently Asked Questions (FAQs)

What options do I have to add someone to my bank accounts?

You have three different ways to add someone to your account.

1. Joint Owner: Both owners have access to the account. As an owner of the account, both owners can deposit, withdraw, or close the account.
2. Authorized Signer: A person who has been given permission by the account's owner to access and transact on a bank account. They do not have ownership of the funds.
3. Payable on Death: Upon death of all owners of the account, the funds would be transferred to any Payable on Death listed.