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.

Choose a Service

Overdraft Fees

Fee TypeAmount

Overdraft fees

$29.00 per item paid, maximum $145.00 per day*

Return item fees

$29.00 per item, no maximum*

* If the final account balance after positing is overdrawn $10.00 or less, there will be no overdraft fee assessed.

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

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

  • ATM transactions
  • Everyday debit card transactions

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 will 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

Amount

Per roll

$.10

Per strap

$.20

Coin counting (customer)

FREE

Coin counting (non-customer)

10% of total

Night Depository Bags

Fee Type

Amount

With Lock - first bag

FREE

Each additional bag

$35.00

Replacement key

$10.00

Zipper - first bag

FREE

Zipper - each additional bag

$10.00

Safe Deposit Box

Fee Type

Amount

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

$50.00

Cost of drilling box

$200.00 - $300.00

Wire Transfers

Fee Type

Amount

Incoming wire fee

$20.00

Service charge outgoing wire

$25.00

Service charge wire out Int'l

$40.00

All Other Services

Fee Type

Amount

Account closed within 90 days of opening

$25.00

Account reconciliation/research

$20.00 per hour

Bank money order

$4.00

Cashier’s check

$5.00

CD-ROM per monthly statement

$10.00

Certified check

$20.00

Check Chargeback

$2.00

Check printing

Refer to check pricing sheet

Checkmate Debit Card

FREE

Card replacement

$5 per card

Copy of paid check or other document

$2.00

Duplicate statement

$1.00 per statement

Endorsement stamp

Refer to stamp pricing sheet

Fax Domestic - per page

$1.00

Fax International

$15.00

Foreign currency - per issue

$20.00

Gift cards

$3.00 per card

Legal process - court orders, garnishments, tax levies

$50.00

Medallion/signature guarantee

$10.00

MCB Check Free (Bill Pay)

Fees may apply for overnight checks or same day ACH payments

Available

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

FREE

MCB Online/Mobile Bill Pay

FREE

Non-customer check cashing from MCB customer

$5.00

Personal money order

$2.00

Photocopy

$.25

Postdated check notice

$29.00

Stop pay charge

$29.00

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.