Bank of Monticello - Checking Accounts
FDIC Insured - Backed by the full faith and credit of the U.S. Government

HELPING with all your BANKING NEEDS

Big Bank Services, Small Town Personal Attention

Safe and Secure Online Banking
Mobile Banking
Loan Finder

Checking Accounts

Checking Accounts

  • No Minimum Balance
  • Unlimited transactions
  • Free Online Banking
  • Free Online Bill Pay **

Interest Bearing Checking Accounts

  • Interest earning deposit account with unlimited transactions *
  • $500 minimum balance to earn interest
  • No service charges provided the average balance is maintained
  • $.05 per debit service charge if the average balance falls below $500.00 during the statement cycle
  • Free Online Banking
  • Free Online Bill Pay**

High Yield Checking Accounts

  • Interest earning deposit account with unlimited transactions *
  • Tiered Interest Rates increase as deposit balances increase *
  • $1,000 minimum balance to open account
  • $1,000 minimum balance to earn interest
  • No service charge provided the average balance is maintained
  • $.10 per debit service charge if the average balance falls below $1,000.00 during the statement cycle
  • Free Online Banking
  • Free Online Bill Pay**

Secure Benefits## Checking

  • No Minimum Balance
  • Unlimited Transactions
  • $3.00 per Month Service Charge
  • $2,500 Accidental Death or Dismemberment Insurance#
  • CyberScout – Identity Theft Resolution#
  • Cellular Telephone Protection up to $250 per claim#
  • Free Online Banking
  • Free Online Bill Pay**

More Information or Register Benefits

Money Market Accounts

  • Tiered Interest Rates increase as deposit balances increase *
  • $500 minimum balance to earn interest
  • Depositors are limited to 6 debits per statement cycle with unlimited credits
  • $.15 per debit service charge
  • $1.00 service charge for each debit exceeding 6 per statement cycle
  • Free Online Banking

Health Savings Account

  • Interest earning account that is compatible with certain health insurance plans*
  • $50.00 minimum deposit to open account
  • Service Charge of $2.00 per statement cycle is waived if the HSA has an average balance of $500; or an additional Checking or Savings account has an average balance of $500 or more.
  • No limit on number of debits
  • Interest compounded monthly

* The interest rate on these accounts is determined by bank policy and is subject to change periodically 

**$10.00 reactivation fee if not used in a 3 – month period

## Secure Benefits is a consumer account program that is not available on business or commercial deposit accounts.

# Secure Benefits Insurance features are not insured by FDIC.

 
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