ACCOUNT Community Basic *Community Secure
***Four Freedoms

Minimum Opening Balance





Monthly Maintenance Fee

(Waived with 20 debit card transactions or an average daily balance of $1,200.00. Students age 14 – 23 are eligible to have this fee waived while enrolled in high school, college, university or a vocational program)



(Waived with $5,000.00 minimum daily balance, or $5,000.00 combined daily balance in all checking, savings and money market accounts titled the same.)

Unlimited Check Writing

Mastercard Debit Card

Debit Card Fraud Alerts

Instant Debit Alerts

IDProtect® - Identity Theft Protection




Safe Deposit Box Discount




Free 3x5 Box or $35 credit towards larger box

Mobile Banking

Online Banking

Bill Pay

Images with Statement

No service fee for MCCB ATM Transactions


* Community Secure Checking Program: The following benefits will be made available to applicable enrollees:

  •  IDProtect® - Identity Theft Protection Service

    IDProtect® - Identity Theft Protection Service - is a personal identity theft protection service available to account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, & children under 25 years of age & parent(s) who are residents of the same household. Some benefits require registration/activation.
  •  Credit file monitoring and Alerts

    Credit file monitoring and alerts of changes with Equifax, Experian, and TransUnion, ability to request a 3-in-1 credit report every 90 days or upon receipt of a credit alert and up to $10,000 identity fraud reimbursement coverage for expenses associated with clearing the victim’s name and repairing damaged credit following an identity theft. (Registration and activation required to receive all of these benefits.)
  •  Accidental Death & Dismemberment Insurance

    Accidental Death & Dismemberment Insurance -Up to $10,000 of 24-hour accidental death and dismemberment insurance coverage (Coverage divides equally on joint accounts and reduces by 50% at age 70)
  •  Cellular Telephone Protection

    Cellular Telephone Protection - Up to $300 of replacement or repair costs if cell phone is stolen or damaged; up to two (2) claims per year; $50 deductible; covers first three (3) phones listed on cellular telephone bill. (Cellular telephone bill must be paid through this account).
  •  Debit Advantage™

    Debit Advantage™ - Buyer’s Protection covering items for 90 days from the date of purchase against accidental breakage, fire, or theft, and Extended Warranty coverage, which extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than 5 years (Items must be purchased entirely with the Community Secure Checking account.)
  •  Shopping Rewards

    Shopping Rewards – Online cash back shopping with national and local merchants. (Registration and activation required.)
  •  Travel & Leisure Discounts

    Travel & Leisure Discounts – Shopping, dining and travel discounts from thousands of local and national businesses. (Registration and enrollment required.)
  •  Health Discount Savings

    Health Discount Savings- Prescriptions and dental services. (Registration and activation required.) This is NOT insurance.

Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

**Community Golden: Must be age 50 or older.

***Four Freedom Additional Benefits:

  • CD’s receive .0025 above the posted rate

  • Loan’s receive .0025 less than normal rate

  • Money Market Accounts receive .0010 above the posted rate

  • Free 3x5 deposit box or value applied to a larger box (subject to availability)

  • Four Freedom’s checks or $5.00 credit towards other checks

  • Free Money Orders and Official Checks

  • Overdraft Protection fee waived

  • Free Incoming Wires