SELECT THE CHECKING ACCOUNT THAT FITS YOUR LIFESTYLE

Free Checking
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Image Checking Account
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Payday Checking
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Health Savings Account
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Prestige Checking
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Super NOW Checking Account
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Heritage Checking

Free Checking
Simple & convenient

w  FREE Checkmate Debit Card.
w  FREE Online Banking.
w  FREE Online Bill Pay.
w  E-Statement only account.
w  FREE Financial Planning Review.

Minimum balance to open the account - You must deposit $25.00 to open this account.

Image Checking Account
Receive Check Image Statements

w  FREE Online Banking.
w  FREE Financial Planning Review.

Minimum balance to open - You must deposit $25.00 to open this account.
Maintenance Fees - $5.00 per statement cycle.


Payday Checking
FREE checking with direct deposit payroll

w  FREE Checkmate Debit Card.
w  FREE Online Banking.
w  FREE Online Bill Pay.
w  40 FREE Mound City Bank printed checks at account opening.
w  FREE first year rental of any size safe deposit box.
w  Personal Reserve Account available with bank approval with no annual fee.
w  Check Protect available.
w  E-Statement/Paper Image Statement.
w  FREE Financial Planning Review.

Minimum balance to open/obtain the annual percentage yield disclosed - You must deposit $25.00 to open this account. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Maintenance Fees - Free for E-Statement; $5.00 per statement cycle with paper image statement.
Rate Information - At our discretion, your interest rate and annual percentage yield may change at any time.
Compounding and crediting frequency - Interest will be compounded and credited to your account every month.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Direct Deposit payroll from your employer is required.

Health Savings Account
Are you eligible for HSA?

Any individual that:  
w  Is covered by an HDHP (High Deductible Health Plan).
w  Is not covered by other health insurance.
w  Is not enrolled in Medicare.
w  Can't be claimed as a dependent on someone else's tax return.

Minimum balance to open/obtain the annual percentage yield disclosed - You must deposit $25.00 to open this account. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Rate Information - At our discretion, your interest rate and annual percentage yield may change at any time.
Compounding and crediting frequency - Interest will be compounded and credited to your account every month.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks)
Check image statement.

Prestige Checking
Customized for your busy lifestyle

w  E-Statement/paper image statement account.
w  Savers Club Discount Book.
w  Payment Card Protection.
w  Cash Rewards Program
w  Card Patrol.
w  $2,500 ID Theft Insurance w/ Fraud Assist.
w  FREE Mound City Bank printed checks.
w  FREE CheckMate debit card with no annual fee.
w  FREE online bill payments.
w  Money orders - no issue fee.
w  FREE first year rental of a safe deposit box.
w  FREE Financial Planning Review.

Minimum balance to open - You must deposit $25.00 to open this account.
w  Accidental Death and Dismemberment Insurance:
Choose your level of insurance -
  Plan 1 - Basic Plan of $10,000.00*
  Plan 2 - Family Plan of $30,000.00*
*  Refer to brochure and insurance certificate for additional information regarding insurance coverage and club benefits.
Maintenance fee - A monthly maintenance fee of $8.00 for Plan 1; or $10.00 for Plan 2, will be charged each statement cycle.

Super NOW Checking Account
Earn interest with convenient check writing

w  FREE Online Banking.
w  FREE Financial Planning Review.

Rate Information - At our discretion, your interest rate and annual percentage yield may change at any time.
Compounding and crediting frequency - Interest will be compounded and credited to your account every month.
Minimum balance to open  - You must deposit $25.00 to open this account.
Maintenance fee - A monthly maintenance fee of $10.00 with E-Statement only; OR monthly maintenance fee of $12.00 with paper image statement will be imposed each statement cycle if the daily balance falls below $1,000.00, unless you maintain $5,000.00 in a single Money Market, savings, time deposit or IRA account for the entire statement cycle. Your daily balance on each day is the ending balance of the account from the previous day, plus deposits and minus withdrawals made that business day.
Fees - A service chargeable debit fee of $.10 will be charged for each customer initiated debit transaction (with the exception of ATM Withdrawals and Automatic Loan Payments).  This fee will apply if your balance falls below the required minimum to avoid a fee.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Heritage Checking
Customers 55 or better

w  FREE Mound City Bank printed checks.
w  FREE CheckMate debit card with no annual fee.
w  FREE Online Banking.
w  FREE online bill payments.
w  Local merchant discounts.
w  Money orders - no issue fee.
w  FREE first year rental of a safe deposit box.
w  FREE Financial Planning Review.
w  FREE Photocopy Services.
w  Monthly newsletter and other Heritage Club benefits.

Rate Information - At our discretion, your interest rate and annual percentage yield may change at any time.
Compounding and crediting frequency - Interest will be compounded and credited to your account every month.
Minimum balance to open  - You must deposit $25.00 to open this account.
Maintenance fee - A monthly maintenance fee of $10.00 with E-Statement; OR monthly maintenance fee of $12.00 with paper image statement will be imposed each statement cycle if the daily balance falls below $1,000.00, unless you maintain $10,000.00 in a single Money Market, savings, time deposit or IRA account for the entire statement cycle. Your daily balance on each day is the ending balance of the account from the previous day, plus deposits and minus withdrawals made that business day.
Fees:
A service chargeable debit fee of $.10 will be charged for each customer initiated debit transaction (with the exception of ATM Withdrawals and Automatic Loan Payments).  This fee will apply if your balance falls below the required minimum to avoid a fee.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks)