BenefitsPremium Plus CheckingGenGold CheckingMobile CheckingSenior CheckingJust Checking
Minimum Deposit to Open$50$50$50$50$50
Monthly Service Charge$15

  • 0% with a mimimum daily balance of $10,000

  • $3 with minimum daily balance of $5,000 - $9,999.99

  • $6 with minimum daily balance of less than $5,000

Requirement to Waive Monthly Service Charge$15,000 combined monthly personal deposit and loan account balance5$10,000 minimum daily balance$100 minimum daily balanceOne posted direct deposit per statement cycle OR $250 minimum daily balanceOne posted direct deposit per statement cycle OR $100 minimum daily balance
Minimum Daily Balance to Earn Interest1$500$1,000Higher interest is paid provided you meet the following requirements each statement cycle: 14 fully processed debit card transactions, have eStatementsNot applicableNot applicable
Courtesy Pay Limit2$750$500$500$500$300
At no additional charge3
Unlimited Check Writing
Mobile Banking
Mobile Deposit
Online Banking
Bill Pay
Telephone Banking
Debit Card and/or ATM Card
Combined statements
Night Deposits
Discounted checksBlue standard checks at no additional charge. Other check styles are 50% offBlue standard checks at no additional charge. Other check styles are 50% offNoBlue standard checks at no additional charge. Other check styles are 50% offNo
GenGold® Savings & Identity Theft Membership4Optional, $6 monthly feeIncluded with no additional feeOptional, $6 monthly feeOptional, $6 monthly feeOptional, $6 monthly fee
$250 discount on MCSB mortgage closing costs
Discounted rates on personal consumer loans6 with automatic payments
Waiver of set up fee to open Health Savings Account
Waiver of Health Savings Account monthly fees
Money order and/or Treasurer's Check at no additional chargeOne per day
Single signature travelers' checks at no additional charge
Waiver of CheckReserve Line of Credit Annual Fee
Access to Premium Plus Savings and CDs


1 Variable‑rate account. At our discretion, we may change the interest rates and annual percentage yields at any time without notice. Fees may reduce earnings. Interest will be compounded every month and credited to your account every month. The daily balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. On non-cash deposits (checks, for example), interest will begin to accrue no later than the next business day. Rate sheet available at any office or online at
2 Overdrafts may be created by check, ACH, online banking transactions, phone transactions or other electronic means. Recurring debit card transactions (payments that are set up to pay automatically) such as automatic draft from your health club or insurance company may continue to be covered by your overdraft service. Once an overdraft has occurred you are required to bring your account to a positive balance within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. We do not typically pay overdrafts if your account is not in good standing.
3 Available at no additional charge. Terms and conditions may apply, as well as an additional application process.
4 Merrimack County Savings Bank has selected Generations Gold, Inc., a fully independent third party service provider, to provide travel and other discounted services on an exclusive basis directly to GenGold® members. All liabilities, claims, damages, and demands are the direct responsibility of Generations Gold, Inc., the benefits provider. The Merrimack and GenGold® are not affiliated. Not all services available in all areas. Complimentary ID Theft services must be activated by the customer. GenGold® is not FDIC insured or an equal housing lender.
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.