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Checking Accounts

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

A list of our available checking account options.
 Description:Requirements:
Free CheckingDescription:Unlimited check writing, no monthly fee, no hidden cost, no concealed charges – totally Free.Requirements:Initial deposit of $100.00
Regular CheckingDescription:Provides easy access and flexibility to help in your everyday needsRequirements:Initial deposit of $100.00
McCurtain Club CheckingDescription:For the customer who likes a flat monthly fee with a lot of extrasRequirements:Initial deposit of $100.00
Basic Business CheckingDescription:Provides easy access to business customer accountsRequirements:Initial deposit of $100.00
Active Business CheckingDescription:Provides access to more transactions than Basic Business CheckingRequirements:Initial deposit of $100.00
Priority CheckingDescription:For our customers age 55 and overRequirements:Initial deposit of $100.00
Student CheckingDescription:Available for full-time studentsRequirements:Initial deposit of $100.00
NOW Account CheckingDescription:

Provides interest earning and unlimited check writing

Requirements:Initial deposit of $1000.00
Money Market AccountDescription:Provides competitive interest while only using a few checks per monthRequirements:Initial deposit of $1000.00
 

Free Checking

The perfect Account for those who want unlimited check writing with no monthly fee, no hidden cost, no concealed charges – totally Free.

Benefits:

  • No minimum balance required to avoid service charge
  • No monthly service charge
  • Free check images in your monthly statement
  • Unlimited check writing
  • Free visa card
  • Atm access
  • 24 hour tele-bank (580-286-6262 or 580-584-6100)
  • On line bill pay
  • Nsf protection available

Cost:

  • No service charge applied
  • Initial deposit of $100.00 
 

Regular Checking

Benefits:

  • NO minimum balance
  • Unlimited check writing
  • Free check images in your monthly statement
  • Free 24 hour Tele-bank
  • Free Visa card
  • ATM access
  • NSF protection available
  • Online 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
 

McCurtain Club Checking

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
  • Free online banking with bill pay
  • Free 24 hour telephone banking
  • Free Visa check card
  • Free ATM card
  • Unlimited check writing with images
  • No minimum balance
  • PDF statements available and NSF protection

Cost:

  • $9.85 monthly maintenance fee
 

Basic Business Checking

Benefits:

  • No service charge with $1000.00 minimum daily balance
  • Unlimited check writing*
  • Free access to MCNB's Online Banking
  • ATM access
  • Free Visa check card
  • Up to 150 items per statement
  • Free coin and currency deposit
  • Free access to MCNB's Tele-bank

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

 

Active Business Checking

Benefits:

  • Free Online Banking
  • ATM access
  • Free Visa Check card*
  • Free currency and coin deposit
  • Unlimited check writing
  • Free 24 hour access to MCNB's Tele-bank

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

 

Priority Checking

Benefits:

  • No minimum balance
  • Free check images in monthly statements
  • Free banking by phone
  • Free Online Banking with Bill Pay
  • Unlimited check writing
  • Free Visa check card
  • Free 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

 

Student Checking*

Benefits:

  • No minimum balance to maintain
  • No monthly service charge
  • Unlimited check writing
  • ATM card
  • NSF protection available
  • Free Online Banking with Bill Pay

Cost:

  • No monthly service charge

* Must show proof of enrollment

 

NOW Account Checking

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
  • Free Online Banking with Bill Pay
  • Free 24 hour access to Tele-bank

 

 

Money Market Account

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
  •     Free Online Banking
  •     Provides NSF protections for another account
  •     Free 24 hour telephone banking

Costs and Fees:

  •     Service charge $10.00 per month*
  •     No more than 6 withdrawals per cycle
  •     Every debit in excess of 3, subject to charge of $5.00

* Fee waived if daily balance of at least $1000.00 is maintained.

6 transfers per 1 month period, including 3 of which to third parties.

 
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