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McHenry Savings Bank

Personal Banking

Checking Accounts

Essential Student Checking

For students 16+ years and young adults up to age 23.

  • Open account with $25.
  • No monthly maintenance fees or balance requirement while under age 23.


Essential Checking

For everyday checking, non-interest bearing.

  • Open account with $100.
  • No monthly maintenance fees for average account balance of $500 or greater.


Advantage Checking

Interest-bearing checking account for everyday checking.

  • Open account with $100.
  • Must maintain daily balance of $1,000 to obtain disclosed annual percentage yield.
  • No monthly maintenance fees for average account balance of $5,000 or greater.
  • Interest accrues daily and credited monthly.


Premier Indexed Checking

Earn more on the money in your checking account.

  • Open account with $10,000.
  • No monthly maintenance fee for average account balance of $5,000 each statement period.
  • Must maintain daily balance of $1,000 to obtain disclosed annual percentage yield.
  • Interest accrues daily and credited monthly.


Premier Indexed Checking1

Earn more on the money in your checking account.

  • Open account with $10,000.
  • No monthly maintenance fee for average account balance of $5,000 each statement period.
  • Must maintain daily balance of $1,000 to obtain disclosed annual percentage yield.
  • Interest accrues daily and credited monthly.


1A $10,000 minimum deposit is required to open Personal or Business account and obtain the stated Annual Percentage Yield (“APY”). Public Fund customers do not qualify. Interest Rate is based on the weekly average 4-week Treasury Bill secondary market rate as published by the Federal Reserve in their H.15 Release located at their website https://www.federalreserve.gov/releases/H15/#1. Interest is compounded daily and credited to account monthly. MSB, at its discretion, may offer a rate greater than the minimum allowable rate. Rates may change at any time. A minimum balance fee of $5.00 will be imposed every month if the daily balance in your account falls below $5,000.00 any day of the month. Maximum account balance may not exceed $2,000,000. Transaction limitations will apply. Fees may reduce earnings. See a Personal Banker for product details and account disclosure with full Terms and Conditions and Fee Schedule. MSB reserves the right to withdraw this offer any time.



Health Savings Account (HSA) Checking

  • Open account with $100.
  • No monthly maintenance fees or balance requirement.
  • No daily balance requirement to earn interest.
  • Interest accrues daily and credited monthly.


Come on in!

Visit us at any MSB branch location to open your account today.



Online-Only Checking Accounts

MSB’s online only accounts are a secure and convenient way for personal clients to open accounts for their banking and investing needs without coming into a bank location. Online-Only accounts may have different rates and terms than in branch accounts. Click on the link to start the secure account opening process. MSB offers the following online-only accounts: checking; savings; money markets and Certificate of Deposits.

You can open one of our secure Online-Only checking accounts at any time. Just click the button below to view options and apply.

Online-Only Accounts


Need to order checks?

A Personal Banker can order your initial checks for you. Additional check orders can be completed online by logging into your Personal eBanking. This is the best way to keep your history of check orders.

You can also order your checks online directly from Deluxe Check Printers. It’s quick and easy!