Other Personal Banking Services We Provide


Certificate of Deposit - CD Option of IntraFi Network Deposits formally known as Certificate of Deposit Account Registry Service (CDARS)

Looking for a way to keep large deposits safe? Ask us about CDARS®. It’s a great solution for: businesses, nonprofit organizations, public funds managers, trustees, financial advisors, individuals, credit unions, and IRAs.

With CDARS, you can access multi-million-dollar FDIC insurance protection through Mound City Bank.* There are few guarantees in life – FDIC insurance is one of them. CDARS can be a valuable cash management or longer-term investment tool for you or your business.*


It’s one-stop shopping. With help from CDARS, you can access:

  • Safety: Your money can access multi-million-dollar FDIC insurance coverage.*
  • Convenience: You work directly with just us. You earn one interest rate per maturity and receive one regular statement. Individual investors receive one year-end tax form.
  • Community Investment: The full amount of your money can support lending opportunities in your local community.**
  • CD-Level Rates: Your money earns CD-level returns which may compare favorably with other investment alternatives, including Treasuries, corporate sweep accounts, and money market funds.

How does CDARS work?

Everything is handled through our bank. Your large deposit is broken into smaller amounts and placed with other banks that are members of the CDARS Network. Then, those banks issue CDs in amounts under the standard FDIC insurance maximum, so that your investment is eligible for FDIC protection. By working directly with just one bank – our bank – you can receive insurance through many.

What else should I know?

Now, you no longer have to spend time managing multiple bank relationships, administering various interest rates, organizing interest disbursements from various sources, or manually consolidating monthly statements. This reduces your administrative burden, especially during tax and financial reporting seasons.

And with CDARS, you can eliminate the need to monitor changing collateral values on an ongoing basis – another time saving convenience.

Of course, your confidential account information remains protected.

Ask us about how CDARS can work for you the next time you visit one of our branches, or email Mound City Bank for more information.

* Limits apply. Funds may be submitted for placement only after a depositor enters into the CDARS Deposit Placement Agreement with Mound City Bank. The agreement contains important information and conditions regarding the placement of funds by us.

** When deposited funds are exchanged on a dollar-for-dollar basis with other banks in the Network, we can use the full amount of a deposit placed through CDARS for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor’s consent, our bank may choose to receive fee income instead of deposits from other banks. Under these circumstances, deposited funds would not be available for local lending.

CDARS is a registered service mark of Promontory Interfinancial Network, LLC.

Credit Cards

With our VISA® Platinum credit card enjoy:

  • Hometown convenience
  • Worldwide acceptance
  • Great benefits and much more.

Contact Us today for additional information.

 See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

Apply for a Credit CardMyCard Statement Login

Check Protect

Check Protect helps you avoid overdraft fees by transferring the available ledger balance in a related Mound City Bank transaction account, money market account, or savings account. Check Protect will transfer the amount your account is overdrawn (if available), plus $10. The $10 includes the transfer fee charged per transfer. If the transfer account does not contain sufficient funds to cover your overdrawn account the $10 transfer fee will not be assessed, however overdraft fees may apply.

Mound City Link

When was the last time you wondered what your checking account balance was? Forgot to record that big check you wrote? Needed to transfer funds?  Simply by using a touch-tone phone, you can access your Mound City Bank accounts anytime, anywhere with complete privacy.  Phone from your home, the office, your car, or even while away on vacation, anytime - 24 hours a day!  Dial 1-800-579-LINK(5465) to request information on checking accounts, savings accounts, loans, banking hours, and more - all at no charge.

What's more, it's completely confidential. To get information, dial 1-800-579-LINK(5465), provide your account number, and give us your Personal Identification Number (PIN). Your PIN is the last four digits of your Social Security number (or business ID number). If you share a non-business account, look to see who is listed first on your account and use the last four digits of that person's Social Security number.   You will be prompted to change your PIN the 1st time you access the Mound City Link.

Here's what you can request from Mound City Link:

Checking Account Information

  • Balance
  • Checks & transactions
  • Deposits
  • Interest paid year to date
  • Specific check inquiry

Savings Account Information

  • Balance
  • Withdrawals
  • Deposits
  • Interest paid year to date

CD & IRA Information

  • Balance
  • Withdrawals
  • Deposits
  • Interest paid year to date

Funds Transfer Between Accounts

  • Transfer to or from any deposit accounts
  • Transfer only from deposit accounts to loans

Loan Information

  • Balance
  • Interest

Branch Locations & Hours

Change Your MCB Link NUMBER (PIN)

  • Deposit account personal identification number
  • Loan account personal identification number

OOPS Occasional Overdraft Privilege Service

Overdraft fees may apply, see a Personal Banker for details.

Personal Reserve Account (PRA)

Avoid overdraft fees by "writing your own loan". See a Personal Banker for details

Available Financial Counseling

The Federal Trade Commisson's (FTC) Choosing a credit Counselor may be one resource to help you choose a quality credit counseling partner.

Other resources include:

Wire Transfers

Fee Type






International - outgoing


Wire Transfer Instructions