Personal Checking Accounts | Machias Savings Bank | Maine

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Personal Checking Accounts

No matter how you prefer to bank, you need flexibility and access to your funds. We offer a variety of Ultimate Personal checking accounts that provide the perfect home for your hard-earned money. Whether you want the convenience of internet banking or mobile banking, an account that earns interest, or something with additional benefits, Machias Savings Bank has the perfect solution for you.

AccountOpening RequirementsService ChargeBenefits

Ultimate Green*

Open Account Learn More
$100.00 none**
  • Earns Interest1
  • Nationwide Surcharge-Free ATM Access
  • No Minimum Balance, No Monthly Fee
  • Free MSB Online Banking
  • Free MSB BillPay
  • FDIC insured

Ultimate Simple

Open Account Learn More

$100.00

$7.00

  • Avoid the $7 service charge by maintaining a balance of $250 during the statement period
  • FDIC insured

Ultimate Relationship

Open Account Learn More
$100.00 $10.00
  • Earns Interest2
  • Unlimited Check Writing
  • Nationwide Surcharge-Free ATM Access**
  • Maintain a combined balance of $10,000 in eligible accounts and avoid a $10 service charge per statement period
  • FDIC insured

Health Savings

Learn More

$25.00 $5.00
  • Earns Interest2
  • Avoid the $5.00 service charge by maintaining a balance of $1,000 during the statement period
  • Tax-free***
  • FDIC insured

Rates Disclosure

* Ultimate Green Account Details: The interest rate is variable and may change after the account is open. 0.50% APY paid on daily balances up to $10,000.00, and 0.05% APY paid on daily balances above $10,000.00 each qualifying statement period that all reward requirements are met. Account daily balances will earn 0.05% APY when reward requirements are not met per period. Offer good on personal accounts only. Accounts not enabled to receive a monthly eStatement will incur an $8.00 service fee each statement period.

**In order to receive the monthly green rewards, you must meet the following criteria each statement period: Account must be enabled to receive an eStatement. Perform 10 or more posted POS debit card transactions each month. These transactions must post and clear within the statement period to qualify. (ATM withdrawals do not count); Log in to MSB Online a minimum of one time each statement period; Have at least one direct deposit or direct debit per month (ACH)* To qualify for free ATM access nationwide, you must meet the monthly criteria. When all four of these requirements are met, ATM surcharges will be refunded for that statement period. Accounts not enabled to receive a monthly eStatement will incur an $8.00 service fee each statement period.    

*** Nonqualified uses of Health Savings Accounts are subject to taxation and penalties. Excess contribution amounts are not deductible and may be subject to tax penalties. Consult your tax advisor for more information.

1. To receive the higher interest rate, you must meet the monthly criteria. If your balance exceeds $10,000 a lower interest rate will apply to the entire balance. Fees may reduce earnings on the account.

2. Checking account fees may apply and reduce earnings on the account.

OUR FOCUS

As a customer of Machias Savings Bank, the focus is on you. We will enhance your banking relationship by working with you to discover your banking needs. We will be there when you need us.

© Machias Savings Bank. All rights reserved.

Member FDIC. Equal Housing Lender logo Equal Housing Lender.
Routing Number: 211274531
NMLS Number: 469539

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