Checking 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

 Barbara and Kim
  Kim Dickinson and Barbara Driggers

New Deposit Insurance Limits.

FDIC deposit insurance has been temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013. Additionally, Madison County Community Bank is participating in the Temporary Account Guarantee Program (TAG) under which all non interest-bearing transaction accounts are fully insured through December 31, 2009. Non interest-bearing transaction accounts include NOW and IOLTA accounts which pay interest not greater than .5%. The FDIC deposit insurance under the TAG program is over and above the regular FDIC insurance coverage.

 For more information on FDIC Insurance Coverage go to www.myfdicinsurance.gov or speak to one of our Customer Service Representatives.

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

Community Checking
Minimum to open $100
No Monthly Maintenance Fee with minimum daily balance of $300 or
average monthly balance of $600
Unlimited Checks
No Monthly Maintenance Fee with minimum daily balance of $300 or average monthly balance of $600,

Community Direct Checking
Minimum to open $50
No Monthly Maintenance Fee with a direct deposit each statement cycle.
No Minimum Balance
Unlimited Checks

Community Easy Checking
Minimum to open $50
Nominal Monthly Maintenance Fee
No Minimum Balance
Maximum of 10 free checks per statement cycle

Community Interest Checking
Minimum opening amount $100
No Monthly Maintenance Fee with minimum daily balance of $1,500 or average monthly balance of $2,500
Unlimited checks
Earns competitive rate of interest

Four Freedoms Checking

Minimum to open $100
Minimum average balance of $5,000 in all other accounts
(excluding Certificates of Deposit) waives monthly fee
Unlimited Checks
Free Four Freedom Checks
Earns competitive rate of interest
Many other free products, services and benefits (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 50 to qualify
Minimum to open $100
No Monthly Maintenance Fee
No Minimum Balance
Unlimited checks
Free Community Golden Checks

Four Freedoms Golden Checking
Age 50 to qualify
Minimum to open $100
Minimum average balance of $5,000 in all other accounts
(excluding Certificates of Deposit) waives monthly fee
Unlimited Checks
Free Four Freedoms Golden Checks
Earns competitive rate of interest
Many other free products, services and benefits (ask for details)

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

Community Youth Checking
Age 15-18 to qualify
Minimum to open $25
Parent or legal guardian must sign on account
No Monthly Maintenance Fee
No Minimum Balance
Maximum of 7 free checks per month
Free first order of Bronco or Cowboy checks

Community Scholar Checking
Age 18-23 to qualify and active student
Minimum to open $25
No Monthly Maintenance for first year
No Monthly Maintenance Fee if parent banks with MCCB
No Monthly Maintenance Fee with Direct Deposit
No Minimum Balance
Maximum of 7 free checks per month
Free first order of standard checks

Personal Savings

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

Community Savings
Minimum to open $100
No Monthly Maintenance Fee with minimum daily balance of $200
Six free withdrawals per month, then $5 per withdrawal
Earns competitive rate of interest

Community Youth Savings
Minimum to open $25
No Monthly Maintenance Fee
Six free withdrawals per month
Earns competitive rate of interest

Community Money Market
Minimum to open $100
No Monthly Maintenance Fee with minimum daily balance of $2,000
Earns competitive rates of interest based on balance
Number of Transactions limited per Federal Regulations

Community Christmas Club
Minimum to open $25
Must have auto transfer from another MCCB account at least monthly
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 to open $100
No Monthly Maintenance Fee
No Minimum Balance
250 items free

Community Business Plus
Minimum to open $100
No Monthly Maintenance Fee with Minimum daily balance of $2,500 or average daily balance of $5,000 or minimum daily average balance of $10,000 in all other accounts (excluding Certificates of Deposit)
First 999 items free

Four Freedoms Business
Minimum to open $100
No Minimum Balance
Analysis account. Earns credit rate updated monthly based on
average Federal Funds Rate against fees and charges

Four Freedoms Business Plus (Sole Proprietorships Only)
Minimum to open $100
No Minimum Balance
Analysis account. Earns credit rate updated monthly based on
average Federal Funds Rate against fees and charges
Earns a competitive rate of interest

Community Benevolence (Non-Profit Organizations Only)
Minimum to open $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 to open $100
No Monthly Maintenance Fee
No Minimum Balance
Unlimited items
Earns competitive rate of interest


Community Business Savings

Minimum to open $100
No Monthly Maintenance fee with minimum daily balance of $300 Six free withdrawals per month then $5 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” your rate once during the term if our board rates go up
Increase Choice CD by up to ½ of original face in $500 increments (no more than once monthly)
Withdraw one time up to ½ of original face without penalty (must maintain $2,000 balance)

33 MONTH PREMIUM CHOICE
Minimum opening balance of $10,000
“Bump Up” your rate twice during the term if our board rates go up
Increase Premium Choice CD by up to ½ of original face in $500 increments (no more than once monthly)
Withdraw one time up to ½ of original face without penalty (must maintain $2,000 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? Let us explain the CDARs Program!

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