Personal Checking - Merrimack County Savings Bank

New Alert: Due to scheduled maintenance, access to some online, mobile and telephone banking services may be intermittent beginning at 9:00pm on Saturday, May 21 through Sunday morning, May 22. During this time, balance and transaction information displayed online and at ATMs, or provided by telephone banking may not be up-to-the-minute. Thank you for your patience and understanding.

Everyday Checking
A basic no-fuss checking account with no account service fees.
- $10 minimum deposit to open.
- No monthly service charge.
- $300 Courtesy Pay limit.
- Optional Mutual Benefits membership for a monthly fee.
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Better Checking
No account service fees plus earn interest on your checking account funds. What’s better than that?
- $10 minimum deposit to open.
- No monthly service charge.
- Earns interest on balances of $100 or greater.
- $500 Courtesy Pay limit.
- Optional Mutual Benefits membership for a monthly fee.
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Senior Checking
A special account designed for customers who are age 62 or older.
- $10 minimum deposit to open.
- No monthly service charge.
- Earns interest on balances of $100 and greater.
- $750 Courtesy Pay limit.
- Standard checks at no cost. 50% off other styles.
- Optional Mutual Benefits membership for a monthly fee.
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Premier Checking
A benefits-rich loyalty account with special discounts and exclusive access to our Premier Money Market.
- $10 minimum deposit to open.
- Monthly service charge of $15 waived with $15,000 combined loan and deposit account balance* or a relationship with NHTrust.
- Earns interest on balances of $500 and greater.
- $1,000 Courtesy Pay limit.
- Standard checks at no cost. 50% off other styles.
- $250 discount on mortgage closing costs.
- Waiver of CheckReserve Line of Credit annual fee.
- Discounted Consumer Loan rates with autopay.
- Optional Mutual Benefits membership for a monthly fee.
*Combined monthly balance consists of average collected monthly balance in all checking and savings accounts, ledger balance for CDs, and all outstanding balances on home equity lines or credit, home equity loans, installment loans and mortgages owned and/or serviced by Merrimack County Savings Bank.

** 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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Personal checking account customers save time and money with complimentary convenience services:

$5 Allowance
$5 Allowance – Intended for those accidental “oops” moments, $5 Allowance gives you the flexibility to overdraw your personal checking account up to $5 on any given day and without the risk of an overdraft fee. To learn about other ways you can protect yourself from overdrafts visit our Overdraft Programs page.

Debit Cards
Make purchases and withdrawals from your Merrimack checking account anywhere Mastercard is accepted with a Merrimack debit card. Call us to have a card shipped to you or stop by any Merrimack location to have one issued instantly.

Online, Mobile & Telephone Banking
Regular business hours are so yesterday. Bank the way that is most convenient for you, any time!

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Mutual Benefits Value Added Service
All Merrimack personal checking customers have access to Mutual Benefits membership with a monthly fee.

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Everyday Checking

Better Checking

Senior Checking

Premier Checking