A happy young family is sitting on the couch and smiling while the mother uses her cellphone.

Personal Checking & Money Market

With the many personal accounts available at McClain Bank, it's clear our main desire is to help make your life easier. Browse through our personal accounts and services and you'll find some great solutions. And if you need help deciding, our knowledgeable Customer Service Representatives can help you find the right product for your needs.

 Personal Account Solutions include:

 Accounts Comparison -

Account Type Opening Balance Balance to Avoid Service Charge Unlimited Check Writing Interest Bearing
eChecking - Free with eStatements $50 eStatements required Yes No
Basic $50
$500 or 
eStatements
Yes No
Diamond Club $50 N/A Yes No
Plan 62 $50 None Yes No
Double Diamond Club $50 N/A Yes Yes
Super NOW $1,500 $1,500 Yes Yes
Super-T $5,000 $5,000 No
Yes
(on balances $5,000+)


 Accounts Overview -


eChecking 

An account with everything you need, nothing you don't.

  • $50 initial deposit to open the account
  • No monthly service charge
  • No minimum balance requirement
  • eStatements required
  • Bounce Protection (Available at Bank's discretion)

Basic

The most simple "no frills" checking account available.

  • $50 initial deposit to open the account
  • $4.95 monthly service charge waived if 
    • enrolled in eStatements or
    • Minimum Daily Balance is $500 or greater
  • Paper statements or eStatements
  • Bounce Protection (Available at Bank's discretion)

Diamond Club

The most complete checking package we offer. A unique account with many additional features and benefits.

  • $50 initial deposit to open the account
  • $9.95 monthly service charge
  • $15 off any available Safety Deposit Box
  • FREE Club checks 
  • FREE Paper statements with check images 
  • 10 FREE ATM Transactions (per statement cycle) at non-McClain Bank ATMs
  • Bounce Protection (Available at Bank's discretion)
  • FREE Cashier's Checks and Money Orders
  • Member Benefits include:
    • Total Identity Monitoring®
    • Cell Phone Protection
    • Roadside Assistance
    • Accidental Death & Dismemberment Insurance

Plan 62

A simple checking account available for our more mature customers - who've earned that little something extra.

  • $50 initial deposit to open the account
  • No monthly service charge
  • FREE Paper statements with check images 
  • Bounce Protection (Available at Bank's discretion)

Double Diamond Club

Our most complete checking package that also pays interest. Eligible to customers age 62 or better.

  • $50 initial deposit to open the account
  • $6.95 monthly service charge if average daily balance is $500 or greater, or
    • $9.95 monthly service charge if average daily balance is less than $500
  • Interest compounded monthly based on average daily balance*
  • $15 off any available Safety Deposit Box
  • FREE Club checks with unlimited check writing
  • FREE Paper statements with check images 
  • 10 FREE ATM Transactions (per statement cycle) at non-McClain Bank ATMs
  • Bounce Protection (Available at Bank's discretion)
  • FREE Cashier's Check and Money Orders
  • Member Benefits include:
    • Total Identity Monitoring®
    • Cell Phone Protection
    • Roadside Assistance
    • Accidental Death & Dismemberment Insurance

Super NOW

Our most flexible, interest bearing account - freely accessible and without limitations.

  • $1,500 initial deposit to open account
  • $9.95 monthly service charge waived if average daily balance is $1,500 or greater
  • Interest compounded on monthly basis based on average daily balance*
  • FREE Paper statements with check images 
  • Bounce Protection (Available at Bank's discretion)
 

Super-T

Earn the highest rate offered while still giving you access to your money with no surrender fees.

  • $5,000 initial deposit to open account
  • $15.00 monthly maintenance fee waived if average daily balance is $5,000 or greater
  • Tiered rate interest bearing if average daily balance is $5,000 or greater*
    • Interest compounded on monthly basis based on average daily balance
  • One FREE withdrawal per month - others incur $15 charge
  • FREE Paper statements with check images
   

 

* Interest Rates and Annual Percentage Yields are variable and subject to change.