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Mobile Banking

New Apps available 7/27/15

Deposit ATM

Our McHenry ATM (3615 Elm Street) has been redesigned to accommodate every ATM user! Not only does this ATM feature a touch screen and a large tilting screen to adjust to any vehicle, it also has an envelope-free deposit system!

Features include:



Identity Thieves Love Your Mailbox!
Fight Identity Theft with eStatements

Your mailbox is full of personal information that a thief would love to steal. Protect your financial information and reduce the possibility of identity theft by converting to eStatements TODAY.

eStatements offer you the peace of mind and convenience of retrieving your McHenry Savings Bank statements securely through Online Banking.

eStatements also provide the following benefits:

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Teller Services

At McHenry Savings Bank there is never a charge for the personal attention you receive.

The experienced tellers at our three office locations provide personalized attention to your checking, savings, or loan accounts.

Additionally, we accept McHenry County Real Estate Tax Payments and process Cash Advances.

The following items are available for sale at all of our locations:


Check Imaging

Who was that check made out to?

Forgot to record that information in your register?

Now you can see a copy of that check with McHenry Savings Bank online check images.

It's simple, quick, and included with our on-line banking service.

You no longer need to wait for that once a month statement to be delivered, no more time consuming phone calls to be made.

You can view the front and back of the check and even print on your own printer!


Health Savings Accounts

What is a Health Savings Account?

A Health Savings Account (HSA) is an interest bearing, tax deferred account for the purpose of saving for and paying the deductibles associated with a High Deductible Health Plan (HDHP).

A key aspect of a High Deductible Health Plan (HDHP) is your ability to set aside money to be used to pay your deductible or qualified medical expenses. Contributions to an HSA are tax deductible or, in the case of an employer sponsored plan, made with pre-tax dollars.

Distributions from an HSA (withdrawals) used to pay deductibles and qualified medical expenses are tax and penalty free.

HSA funds that are unused at year end can be carried forward into future years. Unused funds can even be used to supplement your retirement income.

For additional information, please refer to the following resources:

Qualified Medical Expenses: Refer to the IRS website at for IRS Publication 502
Contribution Limits: Department of the Treasury
Web site: (Publication 969)