McHenry-Savings-Bank
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Personal Accounts

Personal
Accounts
Essential
Checking
Essential Student
Checking
Advantage Checking w/ Interest Money Market Indexed Money Market
Minimum Balance to Open $100 $25 $100 $1,000 $10,000
Monthly Balance Requirement Fee $5.00 None $5.00 $5.00 $5.00
Minimum Balance to Avoid Balance Requirement Fee $500 Average Daily Balance N/A $5,000 Average Daily Balance $1,000 Minimum Daily Balance $5,000 Minimum Daily Balance
Transaction Limits

See Product Disclosure for More Details1
NONE NONE NONE LIMITED- Per Statement Six debits including checks, automatic or preauthorized transfer or payments LIMITED- Per Statement Six debits including checks, automatic or preauthorized transfer or payments
Minimum Balance to Earn Interest N/A N/A $1,000 Minimum Daily Balance $1,000 Minimum Daily Balance $5,000 Minimum Daily Balance
Earns interest/Tiers2 N/A N/A Tiered Based on Balances Compounded Daily Tiered Based on Balances Compounded Daily Tiered Based on Balances Compounded Daily
Account Statements eStatements - Free
Paper Statements - $5 per month
eStatements - Free
Paper Statements - $5 per month
eStatements - Free
Paper Statements - $5 per month
eStatements - Free
Paper Statements - $5 per month
eStatements - Free
Paper Statements - $5 per month
Account Comes with: - 8 Starter Checks
- 3 Foreign ATM waive fees per month
-1 Debit Card per Signer
- 8 Starter Checks
- 3 Foreign ATM waive fees per month
-1 Debit Card per Signer
- 8 Starter Checks
- 3 Foreign ATM waive fees per month
-1 Debit Card per Signer
- 8 Starter Checks - 8 Starter Checks
Additional Services Which May Have Associated Fees
Personalized Customer Service
Home Equity Line of Credit
Minor Savings
Online eBanking
Consumer Loans
Certificates of Deposit
Mobile App
Wire Funds
Notary
Remote Check Deposit
Mortgage & Refinance Loans
License Stickers/Stamps
SecurLOCK Debit Card Protection
Christmas Club Savings
Visa Gift Cards

1. See Product Disclosure for more details on product.

2. Ask a Customer Service Representative for the deposit rate sheet for current rates, tiers and terms

Information correct as of 10/7/2018, subject to change.




  • Image link to our locations page.
  • Image link to our financial calculators page.
  • Image link to our VA Loans page.
  • Image link to our safe deposit page.
  • Image link to our Health Savings Account page.