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

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 (SDB): The Contents of a SDB are NOT FDIC Insured.

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

$500.00 - $600.00

Wire Transfers

Fee Type

Amount

Incoming Wire Fee

$20.00

Outgoing Wire Fee

$25.00

International Wire Fee

$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

Deposited check returned or redeposited item

$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 - garnishments, tax levies

$50.00

Medallion/signature guarantee

$10.00

MCB Online/Mobile Banking Access

FREE

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

Non-customer check cashing from MCB customer

$5.00

Personal money order

$2.00

Photocopy

$.25

Postdated check notice

$29.00

Stop payment 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.