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Personal Checking Accounts

The Convenience of Banking Made Simple.

Our checking accounts are designed to help you manage your finances and achieve your financial goals.

Browse our personal checking options listed below.  For more information visit one of our convenient branch locations or give us a call at (815) 467-4386 or contact us.

  Free Checking Platinum Checking NOW Checking NOW Premier
Checking(5)
Golden Checking (age 55 & better)
Minimum Balance to Avoid Service Charge $0 $500.00 $1,000.00 $5,000.00 $0
Minimum Opening Deposit $100.00 $500.00 $1,000.00 $5,000.00 $100.00
Monthly Maintenance Fee(1) $0 $8.00(1) $12.00(1) $15.00(1) $0
Interest None None Variable Interest Rate and APY set by Bank Variable Interest Rate and APY set by Bank None
ATMs Unlimited ATM transactions at both M&M Bank and MoneyPass® Network ATMs(7) Unlimited ATM transactions at both M&M Bank and foreign ATMs(6) and MoneyPass® Network ATMs(7) Unlimited ATM transactions at both M&M Bank and MoneyPass® Network ATMs(7) Unlimited ATM transactions at both M&M Bank and MoneyPass® Network ATMs(7) Unlimited ATM transactions at both M&M Bank and MoneyPass® Network ATMs(7)
POS Debit Card, Automated Bank-by-Phone and Online Banking and Online Bill Payment Transactions Unlimited Unlimited Unlimited Unlimited Unlimited
           
Overdrafts Per item and daily fees apply(4) Per item and daily fees apply(4) Per item and daily fees apply(4) Per item and daily fees apply(4) Per item and daily fees apply(4)
Other Benefits

Free Debit Card

Free Online Banking

Free Online Bill Pay

Free Mobile Banking

Free eStatements

Free eAlerts

Free Debit Card

Free Online Banking

Free Online Bill Pay

Free Money Orders(2)

Free Cashiers Checks (2)

Free Mobile Banking

Free eStatements

Free eAlerts

Free Debit Card

Free Online Banking

Free Online Bill Pay

Free Mobile Banking

Free eStatements

Free eAlerts

Free Debit Card

Free Online Banking

Free Online Bill Pay

Free Mobile Banking

Free eStatements

Free eAlerts

Free Debit Card

Free Online Banking

Free Online Bill Pay

Free Money Orders(2)

Free Cashiers Checks(2)

Free Order of Checks Annually(3)

Free Mobile Banking

Free eStatements

Free eAlerts

(1) Monthly maintenance fee if account falls below minimum balance requirement.

(2) Free Cashiers Checks and Free Money Orders limited to 1 each per day.

(3) Limited selection of check styles. Ask for details.

(4) Per day fee applies to each business day after the first business day that the account remains in a negative collected balance. See fee schedule for current overdraft charges.

(5) Direct deposit required.

(6) An additional fee may be charged by the owner of the foreign ATM.

(7) M&M Bank is a member of the MoneyPass® Surcharge-Free ATM network. Use of any MoneyPass® ATM will not result in a fee from M&M Bank, nor the owner of the MoneyPass® ATM. Transactions at non-participating foreign ATMs may result in a fee from the ATM owner. Look for the MoneyPass® logo for surcharge-free ATM transactions.