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Madison County
Community Bank

301 E. Base St.
P.O. Box 834
Madison, FL 32341

850-973-2400



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Customer Accounts

We offer a full line of checking and savings products for individuals and businesses. Our Customer Service Representatives will be happy to explain the details and benefits of each of our different accounts.


Personal Checking
Senior Checking
Youth Checking
Personal Savings
Business Checking & Savings
Certificates of Deposit
Personal and Business Credit Cards


Personal Checking
Visit one of our Customer Service Representatives for full disclosure information on these accounts

Community Checking
Minimum Opening Amount: $100
Monthly Maintenance Fee of $8
Minimum Daily Balance of $300 or $600 Average monthly balance to avoid monthly maintenance fee
Unlimited Checks

Community Direct Checking
Minimum Opening Amount: $50
No Monthly Maintenance Fee with a direct deposit each statement cycle
Or $8 Monthly Maintenance Fee if no direct deposit per statement cycle
No Minimum balance
Unlimited Checks

Community Easy Checking
Minimum Opening Amount: $50
Monthly Maintenance Fee: $3.75
No Monthly Minimum balance
Maximum of 10 checks per statement cycle then $.75 per check

Community Interest Checking
Minimum Opening Amount: $100
Monthly Maintenance fee of $10.00
Minimum daily balance of $1,500 or $2,500 average daily balance
Or maintain an average daily balance of $5,000 in all checking, savings and money market accounts titled the same.
Unlimited Checks
Earns competitive rate of interest

Four Freedoms Checking

Minimum Opening Amount: $100
Monthly Maintenance fee of $18
Minimum Average Balance of $5,000 in all checking, savings, and money market accounts titled the same to waive your monthly maintenance fee.
Unlimited Checks
Earns competitive rate of interest
Many other free products and services (ask for details)

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Senior Checking

Visit one of our Customer Service Representatives for full disclosure information on these accounts

Community Golden Checking
Age to Qualify: 50
Minimum Opening Amount: $100
No Monthly Maintenance Fee
No Minimum Balance Requirement
Unlimited Checks
First Order of checks free

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Youth Checking
Visit one of our Customer Service Representatives for full disclosure information on these accounts

Community Youth Checking
Age to Qualify: 15-18
Minimum Opening Amount: $25
Parent or legal guardian must sign on account
No Monthly Maintenance Fee and No Minimum Balance
Maximum of 7 checks per month then $.50 per check
Free first order of Bronco or Cowboys checks

Community Scholar Checking
Age to Qualify: 18-23 (College Student)           
Minimum Opening Amount: $25
Free monthly maintenance fee for the first 12 months, $3.75 after first year
Free monthly maintenance fee for 5 years if parents bank with MCCB
Free monthly maintenance fee with direct deposit
No Minimum Balance
Maximum of 7 checks per month then $.50 per check
Free first order of checks (limit one standard order)

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Personal Savings

Visit one of our Customer Service Representatives for full disclosure information on these accounts

Community Savings
Minimum Opening Amount: $100
Monthly Maintenance Fee: $4.00
Minimum balance of $200 to avoid monthly maintenance fee
Six free withdrawals per month per Federal Regulation or
$8.00 Excessive Transaction Fee per withdrawal after six
Earns competitive rate of interest

Community Youth Savings
Minimum Opening Amount: $25
No Monthly Maintenance Fee
Six free withdrawals per month per Federal Regulation or
$8.00 Excessive Transaction Fee per withdrawal after six
Earns competitive rate of interest

Community Money Market
Minimum Opening Amount: $100
Monthly Maintenance Fee: $8.00
Minimum Balance of $2,000 to avoid monthly maintenance fee
Six free withdrawals per month per Federal Regulation or
$8.00 Excessive Transaction Fee per withdrawal after six
Earns Competitive rate of interest

Community Christmas Club
Minimum Opening Amount: $25
Must set up with an auto transfer from another MCCB account at least monthly
$25.00 penalty for withdrawal prior to annual disbursement
Earns competitive rate of interest

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Business Checking
Visit one of our Customer Service Representatives for full disclosure information on these accounts

Community Business
Minimum Opening Amount: $100
No Monthly Maintenance Fee
No Minimum Balance
250 items no charge then $.15 per item

Community Business Plus
Minimum Opening Amount: $100 Monthly Maintenance Fee: $10
Or Minimum daily balance $2,500 or an average daily balance of $5,000
Or $10,000 average daily balance in all checking, savings and money market accounts titled the same will waive your monthly maintenance fee
1000 items free then $.15 per item

Four Freedoms Business
Minimum Opening Amount: $100
Monthly Maintenance fee: $10, $.14 per item paid and $.10 per item deposited.
No Minimum Balance
Analysis Account: Earns credit rate updated monthly based on average federal funds rate.

Four Freedoms Business Plus (Sole Proprietorships Only)
Minimum Opening Amount: $100
Monthly Maintenance fee: $10, $.14 per item paid and $.10 per item deposited
No Minimum Balance
Analysis Account: Earns credit rate updated monthly based on average federal funds rate.
Earns a competitive rate of interest

Community Benevolence (Non-Profit Organizations Only)
Minimum Opening Amount: $100 No Monthly Maintenance Fee
No Minimum Balance
Unlimited items
Earns competitive rate of interest
Earn rewards for referrals

Four Freedoms Public Funds (Government entities)
Minimum Opening Amount: $100
No Monthly Maintenance Fee
No Minimum balance
Unlimited items
Earns competitive rate of interest

Community Business Savings

Minimum Opening Balance: $100
Monthly Maintenance fee: $4
Minimum balance of $300 to avoid monthly maintenance fee Six free withdrawals per month, then $8.00 per withdrawal
Earns a competitive rate of interest

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Certificates of Deposit & IRA's
We have a wide variety of Certificates of Deposits to fit your savings needs. Let one of our Customer Service Representatives quote you the latest rates and provide you with full disclosure information on these Certificates.

STANDARD CD TERMS:
14 days to 7 years with minimum opening balance of $500
13 MONTH SPECIAL with minimum opening balance of $10,000

CHOICE CD's:
Terms of 12, 18, or 24 months
Minimum opening balance of $2,000
"Bump Up" - During the term of your Certificate your rate may be increased one time to the current rate if the Certificate has been in effect for at least 6 months
Increase Choice CD by up to 1/2 of original face in $500 increments (no more than once monthly)
Withdraw one time up to 1/2 of original face without penalty (must maintain $2,000 balance)

33 MONTH PREMIUM CHOICE

Minimum opening balance of $10,000
"Bump Up" - During the term of your Certificate your rate may be increased two times to the current rate if the Certificate has been in effect for at least 6 months
Increase Premium Choice CD by up to 1/2 of original face in $500 increments (no more than once monthly)
Withdraw one time up to 1/2 of original face without penalty (must maintain $10,000 balance)
Let us help structure your CD investments to maximize FDIC Insurance Coverage or go to www.myfdicinsurance.gov

Need higher levels of FDIC Insurance? Click here to learn more about the CDARs Program or contact Howard Phillips at 850-973-2400