Merrimack County Savings Bank

Merrimack County Savings Bank
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Peter Lemiska, 2016

Checking

Banking solutions for real life.

There are no “one size fits all” checking accounts at Merrimack County Savings Bank. With five checking accounts to choose from, we’re sure to have a checking account that makes sense for you.

Premium Plus Checking

A loyalty account for customers with a combined deposit and loan balance of $15,000 or greater.

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  • $50 Minimum Deposit to Open
  • $15 Monthly Service Charge
  • $15,000 combined monthly personal deposit and loan account balance* to waive monthly service charge
  • $500 Minimum Daily Balance to earn interest
  • $750 Courtesy Pay Limit
  • Unlimited Check Writing, Mobile Banking, Mobile Deposit, Online Banking, Netpay, Telephone Banking, Debit Card, Combined Statements, Night Deposits, and eStatements
  • Blue standard checks at no additional charge. Other check styles are 50% off
  • Optional, $6 fee for GenGold® Savings & Identity Theft Membership
  • $250 discount on Merrimack mortgage closing costs
  • Discounted rates on personal consumer loans** with automatic payments
  • Single signature travelers’ cheques at no additional charge
  • Waiver of CheckReserve Line of Credit annual fee
  • Access to Premium Plus Savings and CDs
* Combined monthly balance consists of average collected monthly balance in all deposit accounts plus all outstanding balances on home equity lines or credit, home equity loans, installment loans and mortgages owned and/or serviced by the Merrimack.
** Discount does not apply to home equity lines of credit or loans, collateral and stock loans, time loans or CheckReserve line of credit.

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GenGold® Checking

Checking that includes membership in the GenGold® Savings and Identity Theft Program as well as other benefits.

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  • $50 Minimum Deposit to Open
  • $0 Monthly Service Charge with a minimum daily balance of $10,000
  • $3 Monthly Service Charge with minimum daily balance of $5,000 – $9,999.99
  • $6 Monthly Service Charge with a minimum daily balance of less than $5,000
  • $10,000 minimum daily balance to waive monthly service charge
  • $1,000 Minimum Daily Balance to earn interest
  • $500 Courtesy Pay Limit
  • Unlimited Check Writing, Mobile Banking, Mobile Deposit, Online Banking, Netpay, Telephone Banking, Debit Card, Combined Statements, Night Deposits, and eStatements
  • Blue standard checks at no additional charge. Other check styles are 50% off.
  • GenGold® Savings & Identity Theft Membership included with no additional fee
  • $250 discount on Merrimack mortgage closing costs
  • Money order and/or Treasurer’s Check limited to one per day at no additional charge
  • Single signature travelers’ cheques at no additional charge

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Mobile Checking

For customers who travel or are on the go, regularly use their debit card, prefer eStatements and wish to earn interest.

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  • $50 Minimum Deposit to Open
  • $3 Monthly Service Charge
  • $100 minimum daily balance to waive monthly service charge
  • Higher interest is paid provided you meet the following requirements each statement cycle: 14 fully processed debit card transactions, have eStatements
  • $500 Courtesy Pay Limit
  • Unlimited Check Writing, Mobile Banking, Mobile Deposit, Online Banking, Netpay, Telephone Banking, Debit Card, Combined Statements, Night Deposits, and eStatements
  • Optional, $6 fee for GenGold® Savings & Identity Theft Membership

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Senior Checking

Benefits-rich account designed for customers who are age 65 years and over.

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  • $50 Minimum Deposit to Open
  • $5 Monthly Service Charge
  • One posted direct deposit per statement cycle OR a $250 minimum daily balance to waive monthly service charge
  • $500 Courtesy Pay Limit
  • Unlimited Check Writing, Mobile Banking, Mobile Deposit, Online Banking, Netpay, Telephone Banking, Debit Card, Combined Statements, Night Deposits, and eStatements
  • Blue standard checks at no additional charge. Other check styles are 50% off.
  • Optional, $6 feed for GenGold® Savings & Identity Theft Membership

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Just Checking

If you are looking for a basic, no-frills account with low fees, consider this account.

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  • $50 Minimum Deposit to Open
  • $3 Monthly Service Charge
  • One posted direct deposit per statement cycle OR $100 minimum daily balance to waive monthly service charge
  • $300 Courtesy Pay Limit
  • Unlimited Check Writing, Mobile Banking, Mobile Deposit, Online Banking, Netpay, Telephone Banking, Debit Card, Combined Statements, Night Deposits, and eStatements
  • Optional, $6 fee for GenGold® Savings & Identity Theft Membership

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Personal Checking Services

  • $5 Allowance
    This service is automatic for all Merrimack customers in good standing.Learn More
  • Debit and ATM Card Protection
    We monitor your debit and/or ATM card for potential fraud 24 hours a day, 7 days a week, 365 days a year.Learn More
  • GenGold® Value Added Service
    All Merrimack personal checking customers have access to GenGold® membership with a monthly fee.Learn More