Common Features of Mound City Bank Accounts

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

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Overdraft Fees

Fee TypeAmount

Overdraft fees

$29.00 per transaction up to a maximum of 5 transactions or $145.00 per day*

Return item fees

$29.00 per item*

*If the final account balance after positing is overdrawn $10.00 or less, there will be no overdraft fee assessed, however return item fees may apply.

We do authorize and pay overdrafts for the following types of transactions

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We will pay any transaction $10 or less presented for payment against your account when funds are not available. An overdraft fee will not be charged.

For consumer accounts, we will not charge fees for the following types of transactions unless you opt in for our OOPS! service:

  • ATM transactions
  • One-time card transactions

Any debit card transactions authorized with a positive balance and settled  (post to the account) with a negative balance will be paid. An overdraft fee will not be charged. 

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If you do not authorize us to pay an overdraft, your transaction may be declined. The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means.

Coin & Currency

Fee Type


Per roll


Per strap


Coin counting (customer)


Coin counting (non-customer)

10% of total

Night Depository Bags

Fee Type


With Lock - first bag


Each additional bag


Replacement key


Zipper - first bag


Zipper - each additional bag


Safe Deposit Box

Fee Type


3" x 5" Box Rental

$20.00 per year

5" x 5" Box Rental

$30.00 per year

3" x 11" Box Rental

$35.00 per year

5" x 11" Box Rental

$40.00 per year

8" x 10" Box Rental

$55.00 per year

10" x 10" Box Rental

$75.00 per year

Replacement Key Charge


Cost of drilling box

$500.00 - $600.00

Wire Transfers

Fee Type


Incoming Wire Fee


Outgoing Wire Fee


International Wire Fee


All Other Services

Fee Type


Account closed within 90 days of opening


Account reconciliation/research

$20.00 per hour

Bank money order


Cashier’s check


CD-ROM per monthly statement


Certified check


Deposited check returned or redeposited item


Check printing

Refer to check pricing sheet

Checkmate Debit Card


Card replacement

$5 per card

Copy of paid check or other document


Duplicate statement

$1.00 per statement

Endorsement stamp

Refer to stamp pricing sheet

Fax Domestic - per page


Fax International


Foreign currency - per issue


Gift cards

$3.00 per card

Legal process - garnishments, tax levies


Medallion/signature guarantee


MCB Online/Mobile Banking Access


MCB Check Free (Bill Pay)

Fees may apply for overnight checks or same day ACH payments


MCB Online/Mobile account transfer (not available for CD or IRA accounts)


Non-customer check cashing from MCB customer


Personal money order




Postdated check notice


Stop payment charge


We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.