We offer a full range of accounts, any one of which will fit your needs for the future. Select an account for more information.
Available Checking Accounts
| Description: | Requirements: | |
|---|---|---|
| Free Checking | Description: Unlimited check writing, no monthly fee, no hidden cost, no concealed charges – totally Free. | Requirements: Initial deposit of $100.00 |
| Regular Checking | Description: Provides easy access and flexibility to help in your everyday needs | Requirements: Initial deposit of $100.00 |
| McCurtain Club Checking | Description: For the customer who likes a flat monthly fee with a lot of extras | Requirements: Initial deposit of $100.00 |
| Basic Business Checking | Description: Provides easy access to business customer accounts | Requirements: Initial deposit of $100.00 |
| Active Business Checking | Description: Provides access to more transactions than Basic Business Checking | Requirements: Initial deposit of $100.00 |
| Priority Checking | Description: For our customers age 55 and over | Requirements: Initial deposit of $100.00 |
| Student Checking | Description: Available for full-time students | Requirements: Initial deposit of $100.00 |
| NOW Account Checking | Description: Provides interest earning and unlimited check writing | Requirements: Initial deposit of $1000.00 |
| Money Market Account | Description: Provides competitive interest while only using a few checks per month | Requirements: Initial deposit of $1000.00 |
| Super Smart Saver S3 Checking Account | Description: S3 Account is designed to reward academic success and encourage good saving habits among students. | Requirements: Initial deposit of $25.00 |
The perfect account for those who want unlimited check writing with no monthly fee, no hidden cost and no concealed charges – totally free!
Benefits:
- No minimum balance required to avoid service charge
- No monthly service charge
- Unlimited check writing
- Free Visa Debit Card
- ATM access
- 24 hour telephone banking access (580-286-6262 or 580-584-6100)
- Online Banking with Bill Pay
- NSF protection available
Cost:
- No service charge applied
- Initial deposit of $100.00
- $5.00 monthly fee for paper statements, if wanted.
Benefits:
- No minimum balance
- Unlimited check writing
- Free check images in your monthly statement
- 24 hour telephone banking access (580-286-6262 or 580-584-6100)
- Free Visa Debit Card
- ATM access
- NSF protection available
- Online Banking with Bill Pay
Cost:
- Service charge is based on account balance
- Balance above $700.00 during entire statement cycle = $0.00
- The following are determined by any given day during the statement cycle
- Balance below $700.00 above $500.00= $5.00
- Balance below $500.00 above $400.00 = $6.00
- Balance below $400.00 above $300.00 = $7.00
- Balance below $300.00 = $8.00
Benefits:
- $10,000.00 accidental death insurance
- Free basic club checks
- Flat monthly fee
- No fees on travelers checks
- No fees on bank money orders
- Online Banking with Bill Pay
- 24 hour telephone banking access (580-286-6262 or 580-584-6100)
- Free Visa check card
- Free ATM card
- Unlimited check writing with images
- No minimum balance
- NSF protection
Cost:
- $9.85 monthly maintenance fee
Benefits:
- No service charge with $1000.00 minimum daily balance
- Unlimited check writing
- Free access to MCNB's Online Banking
- ATM access
- Free Visa Debit Card
- Up to 150 items per statement
- Free coin and currency deposit
- 24 hour telephone banking access (580-286-6262 or 580-584-6100)
Cost:
- Each month you will be assessed a service charge of $10.00 and a 'per item' charge fee of 15¢ for each item (debit or credit)**
- 10¢ per item charge for items over 150 per statement
* Images of all items and computer disk containing checks for the current year
** Fees waived if minimum $1000.00 balance is maintained during the entire statement cycle
Benefits:
- Online Banking with Bill Pay
- ATM access
- Free Visa Debit Card
- Free currency and coin deposit
- Unlimited check writing
- 24 hour telephone banking access (580-286-6262 or 580-584-6100)
Cost:
- Each month you will be assessed a service charge of $20.00**
- 10¢ for each item over 350 per statement cycle
* Up to 350 items per month
** Fee waived if minimum daily balance of $5000.00 is maintained
Benefits:
- No minimum balance
- 24 hour telephone banking access (580-286-6262 or 580-584-6100)
- Online Banking with Bill Pay
- Unlimited check writing
- Free Visa Debit Card
- NSF Protection
- Reduced rates on money orders
Cost:
- Each month you will be assessed a service charge of $3.00*
* Fee waived if daily minimum balance of $500.00 is maintained
Benefits:
- Competitive interest
- Unlimited check writing*
- Add savings account for no monthly fee
- 3 month free rent on safe deposit box(subject to availability)
- Free Visa check card
- NSF Protections available
- ATM access
- Online Banking with Bill Pay
- 24 hour telephone banking access (580-286-6262 or 580-584-6100)
For the customer who uses only a few checks each month but would like to earn preferred Money Market rates.
Benefits:
- Earn competitive interest
- Check images in monthly statement
- Online Banking with Bill Pay
- NSF protections
- 24 hour telephone banking access (580-286-6262 or 580-584-6100)
Costs and Fees:
- Service charge $10.00 per month*
* Fee waived if daily balance of at least $1000.00 is maintained.
Super Smart Saver S3 Checking Account
The Super Smart Saver S3 Account is designed to reward academic success and encourage good saving habits among students.
Benefits:
- $10 per A and $5 per B on semester end Honor Roll (all A's & B's)
- Up to $80 Max per semester
- Students not on the Honor Roll still earn $2 per A and $1 per B
- If the student has perfect attendance for the school year, MCNB will double their spring semester grade reward earnings
- 1 debit card issued
- E-Statements Only
- Free Online Banking
- Free Mobile Banking
- 24 hour telephone banking access (580-286-6262 or 580-584-6100)
- No minimum balance fee
Cost:
- Initial Opening Deposit of $25
- No monthly service charge fee
Redemption:
- Students must submit a copy of their official semester end report card to the New Account Representative
- Report card must include the student's name, school name, and the semester/year
- Only the most recent semester end report card will be accepted
- Fall Term (December End) report cards may be submitted through February 28 of the following year
- Spring Term (May End) report cards may be submitted through July 31 of the same year
- Perfect attendance documentation may also be submitted through July 31 of the same year
Additional Details & Account Requirements:
- Non-Interest Bearing Account
- Parent/Guardian must be listed as joint owner
- Overdraft Privilege will be turned off automatically with optional overdraft link to parent's line of credit, credit card, or savings account permitted at the request of the parent/guardian
- Teens will be asked to provide a photo ID, if they have one
