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The following fees may be assessed against your account and the following transaction
limitations, if any, apply to your account.
We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checkingaccount 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.

Overdrafts paid
$29.00 per item paid, maximum $145.00 per day
NSF check returned
$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.
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
Check printing
refer to check pricing sheet
Checkmate Debit Card
Card replacement
$5 per card

Coin & Currency

Per roll
Per strap
Coin counting
10% of total
Collection item
Less than $1,000.00
1,000.00 and over
Copy of paid check or other document
Deposited check returned
Debit alerts-FREE
Standard text messaging rates may apply
Duplicate statement
$1.00 per statement
Endorsement stamp
refer to stamp pricing sheet
Facsimile service -
Domestic - per page
Foreign checks or drafts
Foreign currency - per issue
$5.00 plus postage
Gift cards - per card
Legal process - court orders, garnishments, tax levies
Medallion/signature guarantee
MCB Online/Mobile Banking access
MCB Online/Mobile account transfer
(not available for CD or IRA accounts)
MCB Online/Mobile Bill Pay
Night depository bags
With Lock - first bag
Each additional bag
Replacement key
Zipper - first bag
Each additional bag
Non-customer check cashing from MCB customer
Personal money order
Postdated check notice
Safe deposit box
Box size
Annual rent
3" x 5"
5" x 5"
3" x 11"
5" x 11"
8" x 10"
10" x 10"
Replacement key charge
Cost of drilling box
$200.00 - $300.00
Stop payment order
Wire transfers – incoming
International – outgoing
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.



Mobile Banking
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