All of our checking accounts include:
- Instant issue debit cards
- Bill pay
- Online and mobile banking
- Debit card protection tool
- Electronic statements
Windmill Simple Checking – our free checking account with option to earn interest
- $100 to open an account, no ongoing minimum balance requirements
- Unlimited check writing;
- Earn an interest rate on your account balance up to $25,000.00 by meeting these cost-saving requirements every statement cycle:
- 12 debit card transactions posted per statement cycle
- 1 Direct Deposit or 1 Direct Withdrawal posted per statement cycle
- Receive e-statements only
Golden Checking – a free checking account for customers ages 55 and above
- $100 to open an account, no ongoing minimum balance requirements
- Unlimited check writing
- No interest paid on balances
NOW Account – an interest-earning checking account for those who maintain higher balances
- $1,000 to open an account
- A service charge of $10.00 will be imposed every statement cycle if the balance in the account falls below $1000.00.
- $0.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 20 during a statement cycle.
- Interest earned on account balances of any amount
Health Savings Account – an interest earning checking account to be used exclusively for out-of-pocket medical expenses associated with a high deductible health plan.
- $100 to open an account
- You must be enrolled in a high deductible health plan to qualify
- Tax-free deposits can be made to cover qualified medical expenses
- Interest earned on account balances of any amount
Money Market Account – earn higher levels of interest with this account
- $1,000 to open an account
- A service charge of $10.00 will be imposed every statement cycle if the account balance falls below $1000.00
- You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer; or telephone (including data transmission) agreement order or instruction; or by check, draft, debit card or similar order (including point of service transactions), made by the depositor and payable to third parties. An excessive withdrawal fee of $5.00 will be charged for each transaction in excess of these limitations.
- Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited with no charge.
- Interest earned on account balances of any amount
MCC Foundation Money Market Account – support Morgan Community College Foundation, and earn interest on your account balance
- $1,000 to open an account
- A percent of interest earned on the account is donated to the MCC Foundation
- A service charge of $10.00 will be imposed every statement cycle if the balance in the account falls below $1000.00
You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or - automatic transfer; or telephone (including data transmission) agreement order or instruction; or by check, draft, debit card or similar order (including point of service transactions), made by the depositor and payable to third parties. An excessive withdrawal fee of $5.00 will be charged for each transaction in excess of these limitations.
- Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited with no charge
- Interest earned on account balances of any amount
Regular Savings Account – Our traditional savings account
- $100 to open an account
- A service charge of $3.00 will be imposed every quarter if the balance in the account falls below $300.00 any day of the quarter
- $1.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 6 during the quarter.
- You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer; or telephone (including data transmission) agreement order or instruction; or by check, draft, debit card or similar order (including point of service transactions), made by the depositor and payable to third parties. An excessive withdrawal fee of $5.00 will be charged for each transaction in excess of these limitations.
- Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited with no charge
- Interest earned on account balances of any amount
Minor Savings Account – a savings account designed for youth, ages birth to 18
- $25 to open an account
- A service charge of $2.00 will be imposed every quarter if the balance in the account falls below $25.00 any day of the quarter.
- $1.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 6 during the quarter.
- You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer; or telephone (including data transmission) agreement order or instruction; or by check, draft, debit card or similar order (including point of service transactions), made by the depositor and payable to third parties. An excessive withdrawal fee of $5.00 will be charged for each transaction in excess of these limitations.
- Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited with no charge.
- Interest earned on account balances of any amount
Certificates of Deposit – earn higher interest rates and manage your liquidity using these savings options.
- Call us for opening balance requirements, length of terms and rates earned on these accounts.
Individual Retirement Account (IRA) – tax-advantaged savings accounts for retirement planning
- Call us for opening balance requirements, length of terms and rates earned on these accounts.