Checking Accounts

From our Internet Checking to our interest bearing N.O.W. and Super N.O.W. accounts, McClave State Bank offers a checking account that will fit your needs.  If you aren’t already a customer, come see us today to open a checking account and experience that friendly, hometown service our customers enjoy each time they visit us. Each depositor is insured to at least $250,000.00.

Internet Checking

  • No Minimum Balance
  • No Monthly Maintenance Fee
  • No Per Check Charge
  • Free Online Banking with Bill Pay
  • Free Monthly Statement Available Online
  • Debit Card Available (with approved credit)
  • Minimum deposit to open account is $100.00

**This is a non-interest bearing account**

Age Advantage

  • No Minimum Balance
  • No Monthly Maintenance Fee
  • No Per Check Charge
  • Free Online Banking with Bill Pay
  • Monthly Statement with Images via United States Postal Service
  • Minimum deposit to open account is $100.00
  • Primary Account Holder must be under age 25 or over age 62 to qualify

**This is a non-interest bearing account**

Regular Checking

  • Waive Monthly Maintenance Fee on $500.00 minimum balance
  • Waive Per Check Fee on $500.00 minimum balance
  • If account balance falls below $500.00 minimum balance, a monthly maintenance fee of $3.50 per month plus $.12 per check fee will apply for that month
  • Monthly Statement with Images via United States Postal Service
  • Free Online Banking with Bill Pay
  • Debit Card Available (with approved credit)
  • Minimum deposit to open account is $100.00

**This is a non-interest bearing account**

N.O.W. Account

  • Waive Monthly Maintenance Fee on $1,000.00 minimum balance
  • Waive Per Check Fee on $1,000.00 minimum balance
  • If account balance falls below $1,000.00 minimum balance, a monthly maintenance fee of $10.00 per month plus $.12 per check fee will apply for that month
  • Interest Compounded and Credited to Account Monthly
  • Monthly Statement with Images via United States Postal Service
  • Free Online Banking with Bill Pay
  • Debit Card Available (with approved credit)
  • Minimum deposit to open account is $1,000.00

**Please contact us for our current competitive interest rates**
***see Other Account Information***

Super N.O.W. Account

  • Waive Monthly Maintenance Fee on $2,500.00 minimum balance
  • Waive Per Check Fee on $2,500.00 minimum balance
  • If account balance falls below $2,500.00 minimum balance, a monthly maintenance fee of $15.00 per month plus $.12 per check fee will apply for that month
  • Interest Compounded and Credited to Account Monthly
  • Monthly Statement with Images via United States Postal Service
  • Free Online Banking with Bill Pay
  • Debit Card Available (with approved credit)
  • Minimum deposit to open account is $2,500.00

**Please contact us for our current competitive interest rates**
***see Other Account Information***

***Other Account Information***

  • Interest Rate and Annual Percentage Yield may change.  At our discretion, we may change the interest rate for your account at any time.
  • You must maintain a minimum balance of $1,000 in the account each day to obtain the Annual Percentage Yield listed.
  • The daily balance method is used to calculate the interest on your account.  The daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.  The period we use is a statement month.
  • Daily Balance means actual current balance for each day.
  • Interest begins to accrue on the business day you deposit cash and non-cash items (i.e.:  checks).
  • Interest will be compounded and paid to your account monthly when your statement is cycled. 
  • You must purchase checks.  Prices vary.  Checks are available either by contacting us directly or through the link on our website. 
  • Transactions presented after 3:00 p.m. will be posted on the next business day.